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  Sallie Mae Evolve Credit Card
Sallie Mae Evolve Credit Card
in Credit Cards from Sallie Mae
Unaffiliated

Sallie Mae Evolve Credit Card

Unaffiliated
in Credit Cards from Sallie Mae
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Highlights
Purchase APR  (Variable APR) 15.99% - 27.99%
(Verified 10/21/2022)
Balance Transfer APR  (Variable APR) 15.99% - 27.99%
(Verified 10/21/2022)
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 maximum cashback rewards rate of up to 2.5x.
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 15 months, which is longer than the average 0% APR period of 12 months.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 15 months.
  • Competitive APRs. Sallie Mae Evolve Credit Card has a variable 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 3% every time you make a transaction outside the U.S.
  • Fair or better credit required. You will have good approval odds if your credit score is above 650.

Pros & Cons of Sallie Mae Evolve Credit Card

The Good The Bad
  • Potentially lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 15 months.
  • No balance transfer fee.
  • 0% APR on new purchases during the first 15 months. There is then a variable purchase APR that ranges from 15.99% up to 27.99%.
  • No annual fee.
  • Identity Theft Protection.
  • Sallie Mae Evolve Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.

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. You will receive 1.25% cash back on travel, dining, groceries, drugstore purchases, or any other purchase. For example, if you buy a $1,000 laptop, you will receive $12.5 back in cash. However, you can earn up to 2.5% for purchases in a bonus category.

What are the Sallie Mae Evolve Credit Card benefits?

It provides the following benefits:

  • 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 is 15% for all credit cards and 17% for accounts that carry a balance. 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 up to 15 months.

Sallie Mae Evolve Credit Card Balance Transfers
Description
Balance Transfer Fee % After Intro Period 3%
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 15 months
Balance Transfer APR 15.99% - 27.99%
Balance Transfer Fee Minimum $5

Does Sallie Mae Evolve Credit Card have an intro APR offer on new purchases?

Sallie Mae Evolve Credit Card Purchase Intro Offer
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 up to 15 months.

What are the fees for Sallie Mae Evolve Credit Card?

The following fees apply:

  • There is no overlimit fee
Sallie Mae Evolve Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee up to $39
Late Payment Fee up to $39

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 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 Sallie Mae Evolve Credit Card customer service number 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 Sallie Mae Evolve Credit Card login page?

You can access the Sallie Mae Evolve Credit Card login page 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 your account activity to the following credit reporting agencies:

  • 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 improve your credit.

How to apply for Sallie Mae Evolve Credit Card

  • Visit the Sallie Mae Evolve Credit Card 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.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday Closed

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Availability

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

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 15 months
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
No Annual Fee
Annual Fee $0
Minimum Interest Charge $0.50
Over-Limit Fee $0
No Interest Grace Period for Late Payment 23 days
Returned Payment Fee Up to $39
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 650 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
  • Cellular Telephone Protection
Rewards Categories
  • 1.5% - 2% Cash Back on Every Purchase
Cash Advance APR (Variable APR) 27.99%
APR Type Variable APR
Balance Computation Average daily balance (including new purchases)
Purchase APR (Variable APR) 15.99% - 27.99%
(Verified 10/21/2022)
Balance Transfer Fee % After Intro Period 3%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 15 months
Balance Transfer APR (Variable APR) 15.99% - 27.99%
(Verified 10/21/2022)
Balance Transfer Fee Minimum $5
Card Type
  • Cashback
Card Network Mastercard

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