Student Mastercard® 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.

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Financial Tools

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

Overdraft Protection

Prevent overdrafts by transferring funds from another account.

No Annual Fee

Enjoy the safety, security and convenience of Mastercard® with no annual fee.
Additional Features
  • Automatic payment draft option
  • Online budgeting calculators
  • Students can only apply in-branch
See Student Mastercard® Details
Features and Benefits
  • No annual fee
  • Low Annual Percentage Rate on purchases and cash advances3
  • 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 Cadence Bank checking accounts
  • Set up automatic bill payment
  • Utilize Mobile Wallet – a fast and secure way to keep pace with your lifestyle4
  • Gain 24-hour access to your credit card information through our secure website
  • Secure ATM access with customer-selected PIN
  • 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
  • Mastercard Global Service provides emergency customer service anywhere, anytime, in any language
  • For complete benefit details, see the Mastercard® Cardholder Core Credit Benefits
Requirements and Fees


  • Subject to credit approval3


  • 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 + 13.65% APR on purchases3
    • Prime + 19.65% APR on cash advances3
  • For additional fees, please see our Cardholder Agreement.

To get started, stop by a Cadence Bank branch today

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1Approval subject to standard credit card lending policies. Certain conditions apply.

2To earn points towards purchases you must enroll in the Cadence Bank Rewards Program. Your enrollment of your account in the Cadence Bank Rewards program constitutes your acceptance of and agreement to the Terms & Conditions.

3Purchase rate will not exceed 21.00% APR. 

4Not available for Cadence VISA credit card, Mastercard Business debit or credit card, or HSA customers. Only available for Mastercard personal debit cards or credit cards issued by Cadence Bank. • 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.

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.

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