Mastercard® Student Card

You’re smart, reliable and definitely ready for your first credit card. Our Mastercard® Student Credit Card helps you manage your account while giving you the spending power you need.

No Annual Fee Icon

No Annual Fee

Enjoy the safety, security and convenience of Visa® with no
annual fee.

Overdraft Protection Icon

Overdraft Protection

Prevent overdrafts by transferring funds from another account.

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Financial Tools

Stay informed and learn about practical money skills, your credit score and more.

  • No annual fee
  • Automatic payment draft option
  • Online budgeting calculators
  • Students can only apply in-branch
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Features & Benefits

Features and Benefits

  • No annual fee
  • Enjoy a low Annual Percentage Rate on purchases and cash advances(3)
  • With our Rewards Program,(2) for every dollar you spend, you'll earn a rewards point to redeem towards gift cards, air travel, car rentals, cruises and vacations
  • Enroll in optional Overdraft Protection for BancorpSouth checking accounts
  • Set up automatic bill payment
  • Utilize Mobile Wallet – a fast and secure way to keep pace with your lifestyle(14)
  • Gain 24-hour access to your credit card information through our secure website
  • Secure ATM access with customer-selected PIN
  • Mastercard® Extended Warranty Doubles the original manufacturer's or store brand warranty for up to one year when you pay with your eligible Mastercard® credit card
  • Identity Theft Resolution Services provides you with access to a number of Identity Theft resolution services, should you believe you are a victim of Identity Theft
  • With Price Protection should you find a lower price for a new item within 60 days from the date of purchase using your eligible Mastercard® credit card, you may be reimbursed for the price difference.
  • Mastercard Global Service™ provides emergency customer service anywhere, anytime, in any language
  • For complete benefit details, see the Mastercard® Cardholder Core Credit Benefits
Requirements & Fees


  • Subject to credit approval(1)


  • Annual fee: none
  • Transaction fees:
    • Balance transfer: Either $10 or 3% of the amount of each balance transfer, whichever is greater (maximum fee: $60).
    • Cash advance: Either $10 or 3% of the amount of each cash advance, whichever is greater (maximum fee: $60).
    • Foreign transaction: 2% of the U.S. dollar amount of transactions converted from a foreign currency
  • Over-the-credit-limit fee: none
  • Late fees:
    • Up to $35
  • Returned payment fee:
    • Up to $35
  • Rates:
    • Prime + 12.65% APR on purchases(3)
    • Prime + 18.65% APR on cash advances(3)
For additional fees, please see our Cardholder Agreement.

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