| Rewards | 1.5% cash back or equivalent points on all purchases |
|---|---|
| Signup Bonus | None |
| Annual Fee | No annual fee |
| Cardmember Agreement | View Here |
| Cash Advance APR | 25.99% – 29.99% variable APR |
| Cash Advance Fee | Either $10 or 4%–5% of the amount (whichever is greater) |
| Late Payment Fee | Up to $41 |
| Purchases APR | 17.99% – 28.99% variable APR (based on creditworthiness) |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Elk River Bank College Rewards Visa Credit Card is one of those quiet, small-bank student cards that sits in the background of the credit card world. It’s typically tied to an Elan Financial Services program, meaning it behaves like a basic student Visa with modest rewards, no annual fee, and standard credit-building features rather than anything flashy like travel perks or big intro bonuses.
Most users say they like that it’s easy to get approved for compared to mainstream cards, especially for first-time credit users. Many reviewers mentioned the appeal of a simple rewards setup (usually around 1–1.5% cash back or points) and the fact that it helps build credit without an annual fee or complicated rules.
On the downside, many reviewers mentioned that the card feels generic and limited, with average rewards, high APR if you carry a balance, and very little in the way of signup incentives or long-term perks. Some also note that customer experience depends heavily on the issuing bank, which can feel less polished than big national issuers.
Personally, I think this card is best for true beginners who just want a basic credit-building Visa and don’t care about maximizing rewards. But if you’re looking for long-term value, stronger student cards from major issuers usually offer more cash back, better bonuses, and more features overall.
RATE THIS CREDIT CARD
Please enter a title of your review.
Please enter a title of your review.
Please write some review.
Bro sorry, but some error occurred :O
J
good for college students
This card was good for earning rewards while I was in college. Points are decent for gas and food. It helped build my credit and I switched to a bigger card after graduating.
A
Not the best choice for student starting out
I picked up the river bank college rewards visa thinking it would help me build credit, but it's been more frustration than progress. The rewards are tiny, and the online dashboard feels outdated and slow. I also had trouble getting clear answer when I called about a payment issue. It's usable, but definitely not the smooth start I hoped for as a student
