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NDSU Visa® Rewards Card

By the Best Credit Cards Guide editorial team · Information from the original card page, updated May 28, 2025

Annual fee
None
Recommended credit
Excellent / Good
Card network
Visa
Intro purchase APR
1.99% for 6 months from account opening date
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Check before you apply: the rates, fees and offers on this page are as listed on the original card page (updated May 28, 2025) and may have changed. Confirm current terms on the issuer’s website. Best Credit Cards Guide may be compensated by some issuers; see our Advertiser Disclosure.

At a glance

The NDSU Visa® Rewards Card combines Bison school pride with rewards for dining and local travel. Need a ride to campus, or heading home for the holidays? Enjoy 3% cash back on rideshares and 2% on gas. If you’re looking for a study break, the 3% on fast food and cafes can help you save with every latte or cheeseburger bought. Not to mention, you’ll also get 2% at dine-in restaurants when you really need to treat yourself.

Our review of the NDSU Visa® Rewards Card

The NDSU Visa rewards card from Commerce Bank is tailored for North Dakota State University students, offering top rewards on popular spending categories like fast food, coffee, and ridesharing. While these rewards may not appeal as much to graduates and fans, the elevated rewards on dining and gas provide an extra incentive. With limited additional perks, the card’s main value lies in its rewards and school spirit.

NDSU Visa® Credit Card Rewards

The rewards structure of the NDSU Visa card is designed to benefit students, with 3% cash back on streaming, cable, and ridesharing purchases, 2% cash back on gas, restaurants, and fast food, and 1% cash back on all other purchases. These categories cater to common student expenses and can be particularly beneficial for those living in cities with popular ridesharing services.

How to Use Your NDSU Visa® Rewards

While your spending won’t directly benefit NDSU through donations, you can redeem your cash back for a variety of options including airfare, hotel vouchers, gift cards, statement credits, fuel discounts, and charity donations. Points expire after 3 years and have minimum redemption thresholds for statement credits and other rewards.

Additional Visa® Rewards Card Perks

In addition to the rewards program, the NDSU Visa card offers access to toggle, a budget management tool, and a limited time introductory APR of 1.99% on purchases and balance transfers for the first 6 months. While not as competitive as some other cards, these perks can still be valuable for cardholders.

Should You Apply for the NDSU Visa® Rewards Card?

If supporting NDSU is a priority for you and the cash back categories align with your spending habits, the NDSU Visa rewards card could be a good fit. However, if you don’t frequently make purchases in the top earning categories, you may want to explore other cards with more rewarding benefits. Consider your spending patterns and existing credit cards before making a decision on whether to apply for the NDSU Visa card.

Card features

Benefits as listed on the original card page. They can change; confirm details with the issuer.

  • Earn 3% cash back on rideshares and fast food, including at cafes
  • Earn 2% cash back at gas stations and dine-in restaurants
  • Earn 1% cash back on all other purchases
  • Low introductory APR

Who this card may suit

  • You're fans, graduates, students, faculty, or staff of North Dakota State University
  • You want to earn up to 3% cash back for their Bison pride
  • You frequently spend on fast food and ridesharing, along with gas and dining out

Rates, fees and terms

Rates, fees and terms as listed on the original card page (updated May 28, 2025). Confirm current terms on the issuer’s site.
Annual FeeNone
Intro Purchase APR1.99% for 6 months from account opening date
Regular Purchase APR20.49% to 30.49% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR1.99% for 6 months from account opening date
Balance Transfer APR20.49% to 30.49% variable based on creditworthiness and the Prime Rate
Balance Transfer Transaction FeeEither $10 or 5% of the amount of each transfer, whichever is greater
Cash Advance APR30.49% variable based on the Prime Rate
Cash Advance Transaction FeeEither $10 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction Fee1% of the transaction amount in U.S. dollars; 2% of the transaction amount in other currencies
Penalty APR32.49% variable based on the Prime Rate

Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit.

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NDSU Visa® Rewards Card

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