The best card for students! No annual fee. No application fees. 0% Introductory APR. Monogrammed with your initials and your choice of images. Sign up today and receive a monogrammed backpack.

• 0% APR increases after 6 months to 19.5%
• Annual fee of $75 assessed if any late payments received
• Over-the-limit and late payment fee of $30 per occurrence
• Cash advance fee of $5 per transaction or 3% of cash advance, whichever is greater.

No frills. No fuss. Simply credit when you need it. No hidden fees. We will give you a free T-Shirt for signing up. Call us at 888-555-5678 to apply over the phone, or visit us online

• 12.5% fixed APR
• Standard fees:
  • $20 Annual fee
  • $30 Late fee
  • $30 Over-the-limit fee
  • Cash advance fee of $3 per transaction or 3% of cash advance, whichever is greater
• 25-day grace period