
Cadence Bank Mastercard® Student Credit Card
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Purchase APR (Variable APR) |
19.90% (Verified 10/25/2022) |
Balance Transfer APR (Variable APR) | 21% |
Credit Score Range | 350 - 600 |
Annual Fee | $0 |
Cadence Bank Mastercard® Student Credit Card Review
This is a credit card issued by Cadence Bank. If you're wondering whether Cadence Bank Student Credit Card is the right card for you, read on.
Key Takeaways
- High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 19.90%
- No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
- 3% Balance transfer fee. Cadence Bank Mastercard® Student Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $10.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 2% every time you make a transaction outside the U.S.
- Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have relatively good approval odds.
Pros & Cons of Cadence Bank Student Credit Card
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Cadence Bank Student Credit Card FAQ
Does Cadence Bank Student Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the Cadence Bank Student Credit Card benefits?
It provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Cadence Bank Student Credit Card?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.Cadence Bank Mastercard® Student Credit Card has a variable purchase APR of 19.90%. The card has a variable balance transfer APR of 21% . It also has a variable cash advance APR of 21% . Note that late payments are subject to an APR of 21% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Does Cadence Bank Student Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Cadence Bank Student Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Cadence Bank Student Credit Card?
The following fees apply:
- There is no overlimit fee
Fees | Amount |
---|---|
Annual Fee | $0 |
Overlimit Fee | $0 |
Foreign Transaction Fee | 2% |
Returned Payment Fee | up to $35 |
Late Payment Fee | up to $35 |
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does Cadence Bank Student Credit Card have a foreign transaction fee?
Cadence Bank Student Credit Card charges a foreign transaction fee of 2%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $40. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Cadence Bank Student Credit Card?
The Cadence Bank Student Credit Card customer service number is (800) 636-7622.
What is the support contact email for Cadence Bank Student Credit Card?
The support contact email for Cadence Bank Student Credit Card is n/a.
What is the Cadence Bank Student Credit Card login page?
You can access the Cadence Bank Student Credit Card login page here.
How do people rate the customer service and user experience of Cadence Bank Student Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Cadence Bank Mastercard® Student Credit Card report your account activity to credit bureaus?
Yes, Cadence Bank Mastercard® Student Credit Card reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply for Cadence Bank Student Credit Card
- Visit the Cadence Bank Student Credit Card website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
201 S Spring St
Tupelo, MS 38804 USA - (800) 636-7622
- Visit Site
- Email Support
Other Services by Cadence Bank
Availability
- Alaska
- Alabama
- Arkansas
- Arizona
- California
- Colorado
- Connecticut
- Washington, DC
- Delaware
- Florida
- Georgia
- Hawaii
- Iowa
- Idaho
- Illinois
- Indiana
- Kansas
- Kentucky
- Louisiana
- Massachusetts
- Maryland
- Maine
- Michigan
- Minnesota
- Missouri
- Mississippi
- Montana
- North Carolina
- North Dakota
- Nebraska
- New Hampshire
- New Jersey
- New Mexico
- Nevada
- New York
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Virginia
- Vermont
- Washington
- Wisconsin
- West Virginia
- Wyoming
Feature Breakdown
Cash Advance Fee Minimum | $10 |
Cash Advance Fee (%) | Starting at 3% |
Minimum Cash Advance Fee ($) | $10 - $60 |
Foreign Currency Transaction Fee | 2% |
No Annual Fee | |
Annual Fee | $0 |
Minimum Interest Charge | $0.50 |
Over-Limit Fee | $0 |
No Interest Grace Period for Late Payment | 25 days |
Returned Payment Fee | Up to $35 |
Late Fee Amount | Up to $35 |
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