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
Enjoy the safety, security and convenience of Visa® with no
annual fee.
Overdraft Protection
Prevent overdrafts by transferring funds from another account.
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
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
- Subject to credit approval(1)
Fees
- 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)
Disclaimers:
(1)Approval subject to standard credit card lending policies. Certain conditions apply.
(2)To earn points towards purchases you must enroll in the BancorpSouth Rewards Program. Your enrollment of your account in the BancorpSouth Rewards program constitutes your acceptance of and agreement to the Terms & Conditions located at www.bancorpsouthrewards.com.
(3)Purchase rate will not exceed 21.00% APR.
(9)Applicants must be of legal contractual age and be enrolled in an accredited two-year or four-year college or university. Our minimum credit limit is $500.
(14)• Not available for BancorpSouth VISA credit card, Mastercard Business debit or credit card, or HSA customers. Only available for Mastercard personal debit cards or credit cards issued by BancorpSouth. • Not all retailers accept mobile wallet payments. Look for the symbol or icon representing the mobile wallet app you use prior to making purchases. Additionally, the retailer must also accept Mastercard. • Availability of your mobile wallet may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply.
