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Who is East West Bank's College Rewards Visa Card Designed For?

East West's Bank College Rewards Visa Card is designed for college students with limited or no credit history that want a credit card with a rewards program and no annual fee. The card includes several travel benefits that are not common among student credit cards, particularly those available to people with average credit.

The East West Bank is a Chinese/American full-service commercial bank with over 130 locations throughout China and the US. It has $29.8 billion in assets, an A+ rating with the BBB and a four-star rating with Bauer Financial.

What are the Interest Rates for East West Bank College Rewards Visa Credit Card?

The East West Bank College Rewards Visa Card has an APR for purchases and balance transfers that ranges from 11.99% to 22.99%. Cash advances have a 23.99% APR and there is no penalty rate for late payments. However, there are penalty fees to consider for not paying on time.

What Are the Fees for the East West Bank College Rewards Visa Card?

The East West Bank College Rewards Visa Card doesn't have an annual fee or an overlimit fee. It does charge a 3% balance transfer ($5 minimum) and a 4% cash advance fee ($10 minimum). Foreign transactions incur a 2% fee when in U.S. Dollars and 3% when in a foreign currency.

What Is East West Bank College Rewards Visa Card's Rewards Program Like?

The East West Bank College Rewards Visa Card gives cardholders 1 point per $1 spent on purchases. There is no limit to the amount of points a cardholder can earn but points do expire after 5 years. Members can redeem points as a cash deposit to a savings account or as a statement credit to their credit card account.

What about East West Bank's College Rewards Visa Card Signup Bonus?

The East West Bank College Rewards Visa Card gives new cardholders a 1,000-point bonus after their first purchase. Cardholders can earn an additional 1,000 points by enrolling in auto-pay and e-statements.

Does East West Bank College Rewards Visa Card Have Any Other Benefits?

The East West Bank College Rewards Visa Card offers a unusually wide selection of travel and shopping benefits for a student credit card. These include, extended warranty coverage (double the manufaturer's warranty), auto rental collision damage waiver, travel assistance and zero fraud liability.

How Is the East West Bank College Rewards Visa Card Better Than Other Credit Cards?

The East West Bank College Rewards Visa Card is available to students with just average credit but still manages to include a signup bonus, a rewards program, and decent travel and shopping benefits. However, it doesn't charge an annual fee and it has competitive interest rates. The rewards program only offers 1 point per $1 spent, but cardholders can redeem them for a cash deposit or statement credit.

  • Card Type
    Balance Transfer Rewards
  • Customer Type
    Student
  • Card Network
    Visa
  • Minimum Age
    18
  • Co-signing Allowed
  • Grace Period / Deferred Interest
    24
  • Late Payment Penalty
    $38
  • Minimum Interest Charge
    $2
  • Returned Payment Fee
    $35
  • Foreign Currency Transaction Fee
    3%
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Free FICO Score
  • Lost Luggage Insurance
  • Travel Insurance
  • Air Miles
  • Cashback
  • Points
  • Purchases APR
    11.99% – 22.99% var. APR% - %
  • Transfer Fee
    3% w/$5 min.
  • Balance Transfer APR
    11.99% – 22.99% var. APR% - %
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11.99% – 22.99% var. APR
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js-table-filter credit-required-114
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  • Cashback
  • Points
  • No Annual Fee
Card Type Balance Transfer
Card Type Rewards
Purchases APR 11.99% – 22.99% var. APR%
Balance Transfer APR 11.99% – 22.99% var. APR%
006
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