Student Credit Card

"Studying hard will help me build a good GPA. Making smart use of a credit card can help me build an impressive credit score."
New member? Apply here

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
  • 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.
What's included?
11.99% APR*
Hold the line on interest with our Platinum Mastercard®
*Rates as low as
View ratesOpens credit card rates page

Things to keep in mind before you apply.

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.

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).

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.
Still have questions about student credit cards?
Clearview offers competitive rates and flexible repayment terms. View our current credit card rates and terms.
For current Clearview members, check the “My offers” section within digital banking to see if you’ve been pre-approved. You can apply using this feature 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.

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.
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.
Our goal is to provide members with a loan decision within 24 hours after the application is received. Many times an answer can be given on the spot.
There is a $250 minimum amount for credit cards.
We don’t have any fees to complete a loan application. There’s a small fee for a refinance of a vehicle, motorcycle, boat, RV, or powersport.
We do not have a minimum credit score to apply for a loan. Many factors are taken into consideration for a loan decision than just a credit score.
While we don't offer a dedicated student credit card, we highly recommend our Platinum Mastercard® credit card. Students may need a cosigner to qualify.
Visit our Payment Protections page to explore coverage options for auto, powersports, personal loans, and credit cards.
For additional questions contact our Care Center by calling 1-800-926-0003 or fill out a form below and someone will reach out.
Questions about your current credit card?

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.

No. Your online account information is available only via secure access by using your User ID and password. The information is not public. Unless you share your password, no one else can access your account information online.
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.

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 71050, Charlotte, NC 28272-1050

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!
If you're traveling internationally please take the following steps:
  • Set travel notifications for your debit and credit card(s) from our Card Defense® app. Within Card Defense® tap on your card then select Travel Notifications. If you have multiple cards, you'll have to set the notification for each card individually. You can also contact us <a data-cke-saved-href=" tel:18009260003="">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.
Use your Premium World® Mastercard® 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!

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Community Awards

As part of the city of champions, we know how to celebrate a win! Learn more about our recent award recipients.

“Clearview takes the time to understand the customer at a human level instead of as numbers on a paper.” William, Member since 2016
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I moved to San Diego in 2003. I decided to keep Clearview because I could not find any other bank that treats me as good as Clearview! It is now 2020 and I am still with them and as long as I am doing banking it will always be Clearview! Robert, Member since 1992
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Clearview has helped with saving me time and money. Angela, Member since 2017
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They have helped me completely with my financial needs and have worked with me so that made my life less stressful in my time of need. Dyanna, member for 20+ years
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