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  Commence Student Mastercard

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Commence Student Mastercard

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Commence Student Mastercard

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Highlights
Purchase APR  (Variable APR) 14.99% - 23.99%
Balance Transfer APR  (Variable APR) 14.99% - 23.99%
Credit Score Range 640 - 850
Annual Fee $0

Commence Student Mastercard Review

Commence Student Mastercard is no longer available to new customers on SuperMoney.

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This is a cashback credit card issued by Barclays Bank. If you're wondering whether Commence Student Mastercard is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways

  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers.
  • Competitive APRs. Commence Student Mastercard has a variable purchase APR that ranges from 14.99% up to 23.99%.
  • No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as emergency support, extended warranty protection on purchases, and fraud protection.
  • Fair or better credit required. You will have good approval odds if your credit score is above 640.

Pros & Cons of Commence Student Mastercard

The Good The Bad
  • Potentially lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers .
  • No balance transfer fee.
  • No annual fee.
  • Multiple credit card perks.
  • Extended warranty on purchases.
  • Free access to your credit score.
  • Cardholders can earn rewards on their purchases.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
  • You don't earn rewards on every purchase.
  • Does not report to credit bureaus.

Commence Student Mastercard FAQ

Does Commence Student Mastercard have a cash back or rewards program?

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.

Commence Student Mastercard Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

Does Commence Student Mastercard have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Commence Student Mastercard offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Commence Student Mastercard benefits?

It provides the following benefits:

  • Free Credit Score
  • Emergency Support
  • Extended Warranty Protection
  • Zero fraud liability

What are the relevant APRs for Commence Student Mastercard?

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 lower than average regular APRs.

Commence Student Mastercard has a variable purchase APR that ranges from 14.99% up to 23.99%. The card has a variable balance transfer APR that ranges from 14.99% up to 23.99%.

Does Commence Student Mastercard have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0%

Commence Student Mastercard Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer APR 14.99% - 23.99%

Does Commence Student Mastercard 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 Commence Student Mastercard?

The following fees apply:

Commence Student Mastercard Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Late Payment Fee $37

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

Does Commence Student Mastercard have a foreign transaction fee?

Commence Student Mastercard charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. 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 Commence Student Mastercard?

The Commence Student Mastercard customer service number is (888) 710-8756.

What is the support contact email for Commence Student Mastercard?

The support contact email for Commence Student Mastercard is online@barclaysus.com.

What is the Commence Student Mastercard login page?

You can access the Commence Student Mastercard login page here.

How do people rate the customer service and user experience of Commence Student Mastercard?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

How to apply for Commence Student Mastercard

  • Visit the Commence Student Mastercard 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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 50 states and Washington, D.C.
  • 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

No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 23 days
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $0.50
Returned Payment Fee Starting at $37
Late Fee Amount $37
Customer Type Student
Minimum Age 18
Credit Score Range 640 - 850
Credit Card Benefits
  • Extended Warranty Protection
  • Emergency Support
  • Fraud Liability
  • Free Credit Score
Rewards Type No Rewards
Balance Computation Daily balance (including new transactions
Purchase APR (Variable APR) 14.99% - 23.99%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer APR (Variable APR) 14.99% - 23.99%
Card Type
  • Student
  • Rewards
  • Balance Transfer
  • Cashback
Card Network Mastercard

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