| Rewards | Every $1 spent on fuel purchases earns the user 3 points, every $1 spent at grocery stores earns user 2 points and every $1 spent on everyday purchases earns user 1 point |
|---|---|
| Signup Bonus | $100 cash back rewarded as a bonus if you spend $500 or more within the first 90 days |
| Annual Fee | $0 |
| Cardmember Agreement | View Here |
| Cash Advance APR | 25.24% (APR is subject to change) |
| Cash Advance Fee | $10 or 5%, whichever is more |
| Late Payment Fee | Up to $37 |
| Purchases APR | 13.24% to 23.24% (APR is subject to change) |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
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Easy student-friendly card with solid perks
I signed up for the Missouri State University Cash Rewards Visa when I started my last semester, because the idea of cash back tied to the university seemed like a neat bonus. The approval process was straightforward and I was able to get modest credit lined up even as a student. I like that rewards accrue on everyday purchases and it’s not overly complicated.
On the downside: the rewards rate isn’t quite as high as some of the big bank cards I’ve seen, and there are fewer premium perks (travel insurance, lounge access) than luxury cards. Also I wish the online dashboard was a bit more modern.
Overall it’s a very good fit for a student or alumni who wants simplicity and cash-back without heavy fees. I’d give it a solid 4.2 stars.
