The Student Advantage is a personal credit card from Student Advantage. The annual fee is null. The ongoing APR is as low as 11.49% after a 0% for 6 months on purchases and balance transfers introductory rate for 6 months. Approval typically requires a credit score of Good or No Credit or higher. Rewards: 5% at amazon®, doordash®, college bookstores* 1% everywhere else.