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Premier Privileges Student Mastercard®

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This card is designed for students with no credit history, offering more forgiving terms and fewer fees than your typical Mastercard. You’ll also get introductory rates for purchases, balance transfers, and cash advances, with no fee for balance transfers. You’ll have to make a $5 deposit to become a member of Premier America Credit Union before you can apply.

Our rating
Min. credit level: Limited Credit History
Annual Fee: $0
Regular APR: 10.50% Variable
Intro Balance Transfer APR: 0% for 6 months
Intro Purchase APR: 0% for 6 months

Premier Privileges Student Mastercard®

Our rating
Limited Credit History Min. credit level
$0 Annual Fee
Apply Now

Highlights & Features

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR 0% for 6 months
Regular Balance Transfer APR 10.50% Variable
Balance Transfer Fee None
How to Transfer a Balance on a Credit Card


Penalty APR N/A
Late Fee Up to $15
Returned Payment Fee N/A
Additional Cards Annual Fee N/A
Foreign Transaction Fee 1%
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 0% for 6 months, then 10.50% Variable
Cash Advance Fee 3%, $3 minimum
How to Get a Cash Advance with a Credit Card
Premier Privileges Student Mastercard®


  • 0% introductory APR for 6 months for purchases, balance transfers, and cash advances. Then 10.50% Variable.
  • Credit limit from $500–$2,000
  • Airport Concierge
  • ID Theft Protection
  • Mastercard Global Service
  • No balance transfer fee
  • No annual fee

Premier America Federal Credit Union

Manage your Account & Pay your Bill

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While this card doesn’t offer any rewards, it does offer a 0% introductory APR for 6 months for purchases, balance transfers, and cash advances. After your intro period ends your APRs will be 10.50% Variable. There’s also no fee for balance transfers, making this card ideal if you need to transfer over some debt (though the maximum credit limit is $2,000).

You’ll also get a few Mastercard benefits like ID Theft Protection, an airport concierge, and Mastercard Global Service.

You’ll need to deposit at least five dollars in a Premier America Federal Credit Union account to join, if you’re not already a member.

If you’re looking for a different kind of student card, check out our list of the Best Student Credit Cards.

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