Last Updated: 07/28/2025
Old Second College Real Rewards Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
19.49% - 29.49%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
19.49% - 29.49%(Verified 06/21/2024)
Credit Score Range
N/A
Annual Fee
$0
Old Second College Real Rewards Card Review
This is a rewards card issued by Old Second National Bank. If you're wondering whether Old Second College Real Rewards Card 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 for 6 months, which is shorter than the average 0% APR period of 12 months.
- After your first purchase, you'll get 2,500 bonus rewards points.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 19.49% up to 29.49%.
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
- A 3% balance transfer fee. Old Second College Real Rewards 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 $5.
- 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, identity theft protection, purchase security, travel accident insurance, travel assistance, and fraud protection.
Pros & Cons of old second credit cards
| The Good | The Bad |
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old second credit cards FAQ
Does old second credit cards have a cash back or rewards program?
old second credit cards is a rewards card.
| Description |
Does old second credit cards have a signup bonus?
Yes. After your first purchase, you'll get 2,500 bonus rewards points.
Does old second credit cards offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the old second credit cards benefits?
Old Second College Real Rewards Card provides the following benefits:
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for old second credit cards?
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.Old Second College Real Rewards Card has a variable purchase APR that ranges from 19.49% up to 29.49%. The card has a variable balance transfer APR that ranges from 19.49% up to 29.49%. It also has a variable cash advance APR of 29.99% .
Does old second credit cards have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 6 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 19.49% - 29.49% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does old second credit cards 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 old second credit cards?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does old second credit cards have a foreign transaction fee?
old second credit cards 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 old second credit cards?
The customer service number for old second credit cards is (877) 866-0202.
What is the support contact email for old second credit cards?
The support contact email for old second credit cards is SupportCenter@oldsecond.com.
How do people rate the customer service and user experience of old second credit cards?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Old Second College Real Rewards Card report your account activity to credit bureaus?
Yes, Old Second College Real Rewards Card reports to the following credit bureaus:
- 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 build your credit.
Does Old Second National Bank perform a hard credit pull?
Yes, old second credit cards 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 old second credit cards
- Visit the website of old second credit cards.
- 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.
Hours of Operation
Sunday
Closed
Monday
8:00AM - 5:00PM
Tuesday
8:00AM - 5:00PM
Wednesday
8:00AM - 5:00PM
Thursday
8:00AM - 5:00PM
Friday
8:00AM - 5:00PM
Saturday
8:00AM - 1:00PM
Other Services by Old Second National Bank
Other Credit Cards from Old Second National Bank
Rating not yet determined
Purchase APR
19.49% - 29.49%
Disclaimer popup with additional information
Balance Transfer APR
19.49% - 29.49%
Disclaimer popup with additional information
Credit Score Range
670 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
28.99%
Disclaimer popup with additional information
Balance Transfer APR
28.99%
Disclaimer popup with additional information
Credit Score Range
500 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
19.49% - 29.49%
Disclaimer popup with additional information
Balance Transfer APR
19.49% - 29.49%
Disclaimer popup with additional information
Credit Score Range
690 - 850
300
850
Annual Fee
$390
Rating not yet determined
Purchase APR
19.49% - 29.49%
Disclaimer popup with additional information
Balance Transfer APR
19.49% - 29.49%
Disclaimer popup with additional information
Credit Score Range
690 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
19.49% - 29.49%
Disclaimer popup with additional information
Balance Transfer APR
19.49% - 29.49%
Disclaimer popup with additional information
Credit Score Range
690 - 850
300
850
Annual Fee
$0 - $99
Rating not yet determined
Purchase APR
29.99%
Disclaimer popup with additional information
Balance Transfer APR
29.99%
Disclaimer popup with additional information
Credit Score Range
500 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
18.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
18.99% - 28.99%
Disclaimer popup with additional information
Credit Score Range
620 - 850
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
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