Student Visa®

Rates as low as
2.99
% APR*

Earn great rewards and get a low introductory rate

Start building your credit history with a card that delivers plenty of convenient features.

Monterra Student Visa Card Image

The credit card at the head of the class

Your purchases earn valuable Monterra Rewards points, every time

No annual fee 

Variable rates from 13.49% APR* to 18.00% APR*

Introductory APR as low as 2.99% APR* for the first 12 months on purchases

Earn 1 Monterra Rewards point for every $1 spent toward every purchase

Credit limits from $100 up to $2,000

Use as overdraft protection for your Monterra checking account 

Contactless payments 

Building your credit has never been so rewarding

The Student Visa® Credit Card from Monterra Credit Union lets you address various expenses that pop up on and around campus while building your credit safely with a smart limit and manageable rate. And every time you make a purchase using your card, you'll earn rewards points redeemable for all types of merchandise and experiences. 
  • Plus, access exclusive Visa® specials on travel, shopping and entertainment:

Additional Protection

Roadside Dispatch®— A 24/7 on-demand referral dispatch network that offers roadside assistance, towing, or locksmith service at any time you require assistance. Learn More

Auto Rental Collision Damage Waiver— Coverage is provided for damage resulting from collision or theft on rental cars. Learn More

Get Started
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*APR = Annual Percentage Rate. Rate effective 01/2/2026. Introductory APR as low as 2.99%APR for the first 12 months on purchases is available only on a new Visa® Platinum Rewards (Student) Credit Card line of credit and not available on any other offer. Cards carry a variable rate that can change monthly. Introductory offers carry conditions and can change without notice. If applicable, the promotional APR offer will be applied to all purchase transactions posted within the first 90 days of account opening. All loans and credit cards are offered on approved credit. Must be a member in good standing. Please ask Monterra Credit Union representative for card details or refer to your Card Agreement for complete card terms and conditions. Membership eligibility requirements apply.