Last Updated: 09/26/2025
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Highlights
Purchase APR (Variable APR)
15.99% - 27.99%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
15.99% - 27.99%(Verified 06/21/2024)
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Credit Score Range
650 - 850
Annual Fee
$0
Sallie Mae Evolve Credit Card Review
This is a cashback credit card issued by Sallie Mae. If you're wondering whether Sallie Mae Evolve Credit Card is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 2.5x.
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 15 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 15 months.
- APRs: Sallie Mae Evolve Credit Card has a variable regular purchase APR that ranges from 15.99% up to 27.99%.
- 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.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Sallie Mae Evolve Credit Card
| The Good | The Bad |
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Sallie Mae Evolve Credit Card FAQ
Does Sallie Mae Evolve Credit Card have a cash back or rewards program?
No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description |
- Zero fraud liability
- Cell Phone Protection
- Reports to major credit bureaus
What are the relevant APRs for Sallie Mae Evolve Credit Card?
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.Sallie Mae Evolve Credit Card has a variable purchase APR that ranges from 15.99% up to 27.99%. The card has a variable balance transfer APR that ranges from 15.99% up to 27.99%. It also has a variable cash advance APR of 27.99% .
Does Sallie Mae Evolve Credit Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 15 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 15.99% - 27.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 15 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % After Intro Period | 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Sallie Mae Evolve Credit Card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 15 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 15 months.
What are the fees for Sallie Mae Evolve Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does Sallie Mae Evolve Credit Card have a foreign transaction fee?
Sallie Mae Evolve Credit Card 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 Sallie Mae Evolve Credit Card?
The customer service number for Sallie Mae Evolve Credit Card is (800) 472-5543.
What is the support contact email for Sallie Mae Evolve Credit Card?
The support contact email for Sallie Mae Evolve Credit Card is schoolassist@salliemae.com.
What is the login page for Sallie Mae Evolve Credit Card?
You can access the login page of Sallie Mae Evolve Credit Card here.
How do people rate the customer service and user experience of Sallie Mae Evolve Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Sallie Mae Evolve Credit Card report your account activity to credit bureaus?
Yes, Sallie Mae Evolve Credit 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 Sallie Mae perform a hard credit pull?
Yes, Sallie Mae Evolve Credit Card 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 Sallie Mae Evolve Credit Card
- Visit the website of Sallie Mae Evolve Credit Card.
- 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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Sunday
Closed
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9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
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Thursday
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Friday
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Saturday
Closed