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Last Updated: 07/28/2025
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Commence Student Mastercard
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in Credit Cards from Barclays Bank
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
14.99% - 23.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
14.99% - 23.99%(Verified 06/21/2024)
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Credit Score Range
640 - 850
Annual Fee
$0
Commence Student Mastercard Review
Commence Student Mastercard is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs. |
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.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers.
- APRs: Commence Student Mastercard has a variable regular 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 up to 3% every time you make a transaction outside the U.S.
- Student credit card. This card is geared toward students. In other words, college students with limited credit history and low incomes can still apply, especially if they have a cosigner ready to vouch for them.
- 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 you have a fair credit score or better.
Pros & Cons of Commence Student Mastercard
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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.
| Description |
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?
Commence Student Mastercard 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 for accounts that carry a balance (as of November 2024) is 22.80%. 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 APR | 14.99% - 23.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Starting at $37 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $37 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
There is a late fee of up to $37 . Does Commence Student Mastercard have a foreign transaction fee?
Commence Student Mastercard charges a foreign transaction fee of up to 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 customer service number for Commence Student Mastercard is .
What is the login page for Commence Student Mastercard?
You can access the login page of Commence Student Mastercard 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.
Does Barclays Bank perform a hard credit pull?
Yes, Commence Student Mastercard performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Commence Student Mastercard
- Visit the website of Commence Student Mastercard.
- 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.
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