How to Negotiate with Your Credit Card Company

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With the cost of colleges and universities on the rise, student credit cards are more popular than they have every been before. A student credit card can be used for a variety of different expenses such as books, daily living essentials, school supplies, transportation and so much more. Below is a list of the top-rated credit cards for students. The application process is quick and easy. Apply Now with confidence on a secure page.
$300 - $5,000 credit limits
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Annual Fee 0.00
Credit Recommended Fair/Bad/Limited/No Credit
Regular Purchase APR 24.74 - 34.24% Variable
Full Details Card Page
We think it’s about time a credit card company helped people succeed financially. That’s why we’ve used modern technology to design credit card products that help you budget, control your spending, and build credit.
We think it’s about time a credit card company helped people succeed financially. That’s why we’ve used modern technology to design credit card products that help you budget, control your spending, and build credit.
Intro (Purchases) | n/a |
---|---|
Intro (Transfers) | n/a |
Regular APR | 24.74 - 34.24% Variable |
Annual Fee | 0.00 |
Credit Recommended | Fair/Bad/Limited/No Credit |
Cash Advance APR | n/a |
Cash Advance Fee | n/a |
Cash Grace Period | n/a |
Late Payment Fee | Late fees up to $29 for first late payment, $40 for second late payment. |
Overlimit Fee | n/a |
Return Check Fee | Bounced payment fee up to $29 |
Foreign Transaction Fee | n/a |
Balance Transfer Fee | n/a |
At Firstcard, you’ll face no annual fees, overdraft fees, or transaction fees.°
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Annual Fee 0.00
Credit Recommended No Credit, Limited
Regular Purchase APR 0.00%
Full Details Card Page
Join Firstcard today and start enjoying up to 15% cashback on your everyday purchases!
Tired of digging up promo codes or student IDs everytime you shop? With Firstcard, all your discounts are applied automatically. Just show up, shop, and save up to 15% in cashback — easy as that!
With us, students save more and stress less. At Firstcard, we’ve built our team to include student voices, because no one knows what students want more than students themselves.
We know students are busy. So, we’ve made signing up for Firstcard as easy and as safe‡ as possible. Open your account in just a few minutes. No sign-up fees, no minimum balance requirement, no problem. Note: you must be at least 18 years old to sign up for Firstcard.
To us, fees are a thing of the past. At Firstcard, you’ll face no annual fees, overdraft fees, or transaction fees.°
* Earn up to 15% cashback at select merchants
‡ Firstcard uses industry standard encryption technology to make sure your information is safe and secure.
° Please note that Firstcard does not have control over fees charged by other institutions you choose to do business with while using your Firstcard debit card or account (e.g. ATM withdrawal fees). When you use an ATM that is not a part of Firstcard’s network, the operator of the ATM will notify you if they charge a fee.
Join Firstcard today and start enjoying up to 15% cashback on your everyday purchases!
Tired of digging up promo codes or student IDs everytime you shop? With Firstcard, all your discounts are applied automatically. Just show up, shop, and save up to 15% in cashback — easy as that!
With us, students save more and stress less. At Firstcard, we’ve built our team to include student voices, because no one knows what students want more than students themselves.
We know students are busy. So, we’ve made signing up for Firstcard as easy and as safe‡ as possible. Open your account in just a few minutes. No sign-up fees, no minimum balance requirement, no problem. Note: you must be at least 18 years old to sign up for Firstcard.
To us, fees are a thing of the past. At Firstcard, you’ll face no annual fees, overdraft fees, or transaction fees.°
* Earn up to 15% cashback at select merchants
‡ Firstcard uses industry standard encryption technology to make sure your information is safe and secure.
° Please note that Firstcard does not have control over fees charged by other institutions you choose to do business with while using your Firstcard debit card or account (e.g. ATM withdrawal fees). When you use an ATM that is not a part of Firstcard’s network, the operator of the ATM will notify you if they charge a fee.
Firstcard is a financial technology company, not a bank. Banking services provided by Regent Bank, Member FDIC. The Firstcard Debit Card is issued by Regent Bank, Member FDIC, pursuant to a license from Mastercard®.
Intro (Purchases) | n/a |
---|---|
Intro (Transfers) | n/a |
Regular APR | 0% |
Annual Fee | 0.00 |
Credit Recommended | No Credit, Limited |
Cash Advance APR | See Terms |
Cash Advance Fee | See Terms |
Cash Grace Period | See Terms |
Late Payment Fee | See Terms |
Overlimit Fee | See Terms |
Return Check Fee | See Terms |
Foreign Transaction Fee | See Terms |
Balance Transfer Fee | See Terms |
$300 - $10,000 credit limits
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Annual Fee 0.00
Credit Recommended Excellent/Good/ Limited/No Credit
Regular Purchase APR 17.74 - 31.74% Variable
Full Details Card Page
We think it’s about time a credit card company helped people succeed financially. That’s why we’ve used modern technology to design credit card products that help you budget, control your spending, and build credit.
We think it’s about time a credit card company helped people succeed financially. That’s why we’ve used modern technology to design credit card products that help you budget, control your spending, and build credit.
Intro (Purchases) | n/a |
---|---|
Intro (Transfers) | n/a |
Regular APR | 17.74 - 31.74% Variable |
Annual Fee | 0.00 |
Credit Recommended | Excellent/Good/ Limited/No Credit |
Cash Advance APR | n/a |
Cash Advance Fee | n/a |
Cash Grace Period | n/a |
Late Payment Fee | 0.00 |
Overlimit Fee | 0.00 |
Return Check Fee | n/a |
Foreign Transaction Fee | n/a |
Balance Transfer Fee | n/a |
Advertiser Disclosure * Advertisements which display guaranteed credit lines or credit limits of $500.00-$750.00 are exclusively for usage through online retail stores, online marketplace websites and/or online auction websites. Credit limit offers displayed on advertisements are contingent on getting approved by the credit institution issuing the credit card or issuing the line of credit. When searching for the best credit card for you, there are several factors that you ought to consider. Some cards have APR rates that you need to review before you sign on with a bank or lender. Financing costs will influence your decision if you anticipate using the card for single purchases or if you intend to carry a monthly balance. If you don’t make your timely required payments by the due date, financing costs increase and you’ll have to pay the credit issuer those fees plus your current balance. Please review the credit card applications for specifics into the terms and conditions. We strive to display current and up-to-date information. Nonetheless, all credit card offers are displayed without guarantee. To affirm terms and conditions, tap the "Apply Now" to learn more about the credit offer on a secure page provided by the card issuer(s). Please review full terms and conditions prior to applying for any credit card.
General Disclaimer Please review the credit card applications for specifics into the terms and conditions. We strive to display current and up-to-date information. Nonetheless, all credit card offers are displayed without guarantee. To affirm terms and conditions, tap the "Apply Now" to learn more about the credit offer on a secure page provided by the card issuer(s)
Editorial Note Our team of editors rate credit card offers unbiasedly in light of the components the credit card offers purchasers, expenses, financing costs, and how a credit card is related by category. The evaluations are the master supposition of our editors, and not affected by any compensation this site gets from the credit card issuer(s).