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Commence Student Mastercard
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| Purchase APR (Variable APR) | 14.99% - 23.99% |
| Balance Transfer APR (Variable APR) | 14.99% - 23.99% |
| Credit Score Range | 640 - 850 |
| Annual Fee | $0 |
Commence Student Mastercard Review
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This is a cashback card issued by Barclays Bank. If you're wondering whether Commence Student Mastercard is the right card for you, read on.
Key Takeaways
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers.
- Competitive APRs. Commence Student Mastercard has a variable purchase APR that ranges from 14.99% up to 23.99%.
- No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as emergency support, extended warranty protection on purchases, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 640.
Pros & Cons of Commence Student Mastercard
| The Good | The Bad |
|---|---|
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Commence Student Mastercard FAQ
Does Commence Student Mastercard have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Rewards rate (all purchases) | N/A |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) | 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%
| 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:
| 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.
Contact
- Headquarters
-
125 South West Street
Wilmington, DE 19801 USA - (888) 710-8756
- Visit Site
- Email Support
Other Services by Barclays Bank
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Foreign Currency Transaction Fee | 3% |
| No Annual Fee | |
| Annual Fee | $0 |
| Minimum Interest Charge | $0.50 |
| No Interest Grace Period for Late Payment | 23 days |
| Returned Payment Fee | Starting at $37 |
| Late Fee Amount | $37 |
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