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Contactless card
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Low-interest rate credit card
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Control your card with Card Defense®
A card that's with you from dorm room to boardroom.
Looking to upgrade your wardrobe, binge-watch your favorite shows, or enjoy Taco Tuesdays? Our Platinum Mastercard® is not only a great fit for those looking for a low-interest rate, it's the perfect credit card for students. And did you know making regular payments and keeping your card balance under control can beef up your credit rating? That'll pay off down the road when you're applying for a loan, a job, or rental housing in Pittsburgh and elsewhere. Get started on building a solid financial foundation with with our student credit card option and pave the way for a secure financial future.
- No annual fee
- 25-day grace period on purchases
- May require a cosigner
- Emergency cash and card replacement
- Receive text alerts whenever we notice a potentially fraudulent use of your card
- Instant issue cards available at select locations
Additional cardholder benefits
Beyond offering a competitive low-interest rate credit card for students, Mastercard is dedicated to providing comprehensive support. Here are some of the services offered:
Mastercard Global Service™
Get assistance in case of lost or stolen cards, emergency cash advances, or account inquiries 24/7.
Mastercard Airport Concierge™
Studying abroad or traveling for spring break? Simplify your travel experience by letting you arrange dedicated agents to assist you through the airport during departure, arrival, or connecting flights.
Mastercard ID Theft Protection™
Complimentary services to help detect and resolve identity theft issues.
Save more for late night snacks.
10.49% APR
Get our low rate credit card.
Things to keep in mind before you apply for a student credit card
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How do credit cards work?
Our Platinum Mastercard® is a great credit card for students, but as a first-time cardholder, you may be wondering how they work. Credit cards establish a line of credit through which you can borrow funds from a lender. By opening one, you’re agreeing to pay back any borrowed funds under the agreed upon terms which includes things like credit limit, the annual percentage rate (APR), and other fees. When you use your card, you’ll need to make regular minimum payments to the account to cover the purchases. When possible, you should pay your balance off every month to avoid paying interest and other fees.
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How does APR work?
When you use your student credit card and carry a balance, there's a cost associated for borrowing. This cost is also known as interest and is charged if you don’t pay your account in full before the grace period, or the time frame between the billing cycle’s end and the payment’s due date. This interest is typically set at an annual rate and referred to as the annual percentage rate (APR).
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How can a student credit card help me build credit?
When developing a credit score, it's important to keep these things in mind: make regular payments on time and keep your balance low.
Payment history accounts for 35% of your credit score, so making those regular payments (in full if you can) goes a long way in helping build your credit.
The second-biggest impact to your score is the amount you owe. On top of the total you owe on your student credit card, your overall credit utilization is also taken into account. Your credit utilization rate is determined by taking the amount of credit you're using divided by your total credit limit. So if you have a balance of $250 on your card that has a $2,500 limit, your utilization rate is 10%. It's generally recommended to keep credit use under 30% of your total credit limit.
It's important to note that you might need a cosigner; however, you'll still be able to establish credit.
Student credit card FAQs
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Clearview offers competitive rates and flexible repayment terms. View our current credit card rates and terms.
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For new members, you can apply by using our online application, starting a video call with Clearview Live®, visiting your local financial center, or calling us directly at 1-800-926-0003.
For current Clearview members, check the “My offers” section within digital banking to see if you’ve been pre-approved. You can also apply using our online application or through digital banking by selecting Add Product. You can also apply by starting a video call with Clearview Live®, visiting your local financial center, or calling us directly at 1-800-926-0003.
Once an application is completed, it’s either sent to underwriting for review, or for closing if it has been pre-approved or instant approved.
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Our goal is to provide members with a loan decision within 24 hours after the application is received.
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There is a $250 minimum amount for credit cards.
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There is no fee to apply for a mortgage. However, once you reach the stage in the application process where an appraisal is required, you will be responsible for that cost.
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We do not have a minimum credit score to apply for a loan.
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Visit our Payment Protections page to explore coverage options for auto, powersports, personal loans, and credit cards.
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For questions regarding business membership,1-800-926-0003 ext. 23659 or or fill out the form below and someone will reach out.
FAQs about your existing card
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To review recent transactions, select your credit card from the My accounts page. For additional credit card information, under Manage account, select Manage my credit card.
To view or redeem your rewards, select Premium Perks under Additional services.
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No. Your online account information is available only via secure access by using your username and password. The information is not public. Unless you share your password, no one else can access your account information online.
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We use email to communicate with digital banking users. Please log in to digital banking and select My profile under Manage account. Under Personal Information, type your new email address in the Email section and click the Update button. You can also call us at 1-800-926-0003 and we'll make this change for you.
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You can make a payment to your credit card in digital banking, over the phone, or by mailing a check.
In digital banking, you can make a one time or recurring transfer from your Clearview accounts by selecting Make a transfer under Move money. To pay from another financial institution, select Pay my loan or credit card under Move Money.
To pay by phone, call our Care Center at 1-800-926-0003. There's a service fee per transaction. You can avoid this fee by making a payment within digital banking.
If you're unable to use any other methods to make a payment to your credit card, please send payments to the following addresses:
Clearview Federal Credit Union, PO Box 37603, Philadelphia, PA 19101-0603
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Protect yourself by registering for real-time text fraud alerts for your Clearview credit and debit cards. Once registered, you'll receive a text and/or pre-recorded voice call when there's a suspicious transaction on your card.
Register today. It only takes a few minutes!
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If you're traveling internationally please take the following steps:
- Set travel notifications for your debit and credit card(s) with Card Defense® in digital banking under Manage Account..
- You can also contact us at 1-800-926-0003 prior to your departure with the dates and cities you’ll be traveling to so we can notate your cards for travel. We recommend taking more than one form of payment with you when you travel.
- You'll be asked for a PIN number if you're using your card outside of the U.S., so make sure you have a PIN set up on all cards you'll be taking with you. To set up a PIN for credit cards, call 1-866-576-1342, for debit cards, call 1-866-985-2273.If you have our Premium World® Mastercard®, you can travel confidently knowing there are no foreign transaction fees.
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Looking to speak with someone about credit cards? Complete the below form and we'll be in touch!