| Rewards | 3% cash back on eligible streaming, cable and ride-sharing; 2% on gas and restaurants; 1% on all other eligible purchases. Points can be redeemed for cash back, travel, gift cards or merchandise. |
|---|---|
| Signup Bonus | None |
| Annual Fee | None |
| Cardmember Agreement | View Here |
| Cash Advance APR | Prime Rate + 21.99% variable |
| Cash Advance Fee | $10 or 5% of each cash advance, whichever is greater |
| Late Payment Fee | Up to $40 |
| Purchases APR | Prime Rate + 11.99% to 21.99% variable, depending on creditworthiness |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Southwestern Oklahoma State University Credit Card is a no-annual-fee rewards card issued by Commerce Bank, designed primarily for SWOSU supporters and alumni. It offers cash-back rewards across everyday spending, including higher rewards on categories such as gas and restaurants.
Most users say the $0 annual fee and straightforward rewards make the card easy to keep long term. Many reviewers mentioned that earning rewards while supporting their university is an appealing combination.
On the downside, some users may find the card less competitive than major national rewards cards, particularly if they want a large signup bonus, travel perks, or more flexible rewards. The university-affiliated design also means its appeal is naturally more limited.
Personally, I think this card makes the most sense for SWOSU alumni, students, and supporters who want simple rewards without an annual fee. If maximizing rewards is the main g
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Bro sorry, but some error occurred :O
M
Easy College Card That Grew With Me
I got this card as a freshman to build credit. Simple rewards and no surprise fees made managing textbooks and meals less stressful helped me stay on track financially through graduation.
A
nope
no APR breakdown, no clear rewards
