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UMSL Alumni Rewards Visa® Card card

UMSL Alumni Rewards Visa® 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

Trident faithful can show their UMSL love with every swipe of the UMSL Alumni Rewards Visa® Card. The no annual fee card earns 3% back on fast food, coffee, and rideshares, 2% back on gas and restaurants, and comes with an introductory APR offer.

Our review of the UMSL Alumni Rewards Visa® Card

Looking for a credit card that offers cash back rewards on everyday purchases? Do you frequently use rideshare services like Uber and Lyft? Are you a proud alum of the University of Missouri – St. Louis? If so, the UMSL Alumni Rewards Visa® Card could be the perfect choice for you.

Earn Rewards on Your Everyday Expenses

The UMSL Alumni Rewards Visa® Card allows you to earn cash back rewards in various categories, including:

  • 3% cash back on fast food, coffee shops, and ridesharing services like Uber and Lyft
  • 2% cash back on gas station purchases and dining out at restaurants (excluding fast food and coffee shops)
  • 1% cash back on all other purchases

There are no limits to the amount of rewards you can earn, but keep in mind that points expire after three years. With its generous cash back categories, this card is ideal for socializing with friends, commuting to work, or enjoying a meal out with loved ones.

Easy Redemption Options

Redeeming your rewards is simple with the UMSL Alumni Rewards Visa® Card. Points earned can be redeemed for cash back, air travel, gift cards, merchandise, or fuel discounts. You can even gift points to friends or family members. Cash back rewards are valued at one cent per point, making it easy to calculate your earnings.

Special Introductory APR Offer

For the first six months, the UMSL Alumni Rewards Visa® Card offers a low introductory APR of 1.99% on both purchases and balance transfers. While not as competitive as a 0% intro APR, this offer can still provide some relief for those looking to pay down existing balances.

Competitive Regular APR and Other Considerations

The regular APR on the UMSL Alumni Rewards Visa® Card is competitive compared to similar rewards cards. While the penalty APR is high at nearly 29%, cardholders have a generous 60-day grace period before it is applied. Additionally, the card charges a foreign transaction fee of up to 2%, so keep this in mind if you plan to use it while traveling abroad.

Is the UMSL Alumni Rewards Visa® Card Right for You?

If you’re a UMSL alum looking to earn rewards on your everyday purchases, the UMSL Alumni Rewards Visa® Card is a great choice. With no annual fee and attractive cash back categories, this card is perfect for showing off your Triton pride while earning rewards. Whether you’re grabbing coffee with friends or filling up your tank, this card offers value and versatility. Apply today and start earning rewards on your purchases.

Card features

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

  • No annual fee
  • 3% back on fast food, coffee shop, and rideshare purchases
  • 2% back on gas and restaurants
  • 1% back on all other purchases
  • Rewards expire after 3 years

Who this card may suit

  • You're a University of Missouri – St. Louis alumnus
  • You want a no-annual-fee card to use for everyday purchases
  • You frequently use rideshare services like Uber or Lyft

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 APR20.24% to 30.24% variable based on creditworthiness and the Prime Rate
Intro Balance Transfer APR1.99% for 6 months from account opening date
Balance Transfer APR20.24% to 30.24% 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 APR30.24% variable based on the Prime Rate
Cash Advance Transaction FeeEither $10 or 5% of the amount of each advance, whichever is greater
Foreign Transaction Fee1% of each transaction in U.S. dollars; 2% of each transaction made in currencies other than U.S. dollars
Penalty APR22.24% variable based on the Prime Rate
Late Payment Penalty FeeUp to $40

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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UMSL Alumni Rewards Visa® Card

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