William & Mary Alumni Association Visa® Card
- Annual fee
- None
- Recommended credit
- Excellent / Good
- Card network
- Visa
- Intro purchase APR
- 1.99% for 6 months from account opening date
At a glance
The William & Mary Alumni Association Visa® Card earns cardholders 3% cash back on purchases they make at fast food restaurants, coffee shops, and through ridesharing services. Cardholders also earn 2% cash back on purchases they make at restaurants and gas stations. All other purchases earn cardholders 1% cash back. Additionally, new cardholders can take advantage of a reduced APR on balance transfers and purchases for 6 months from account opening date.
Our review of the William & Mary Alumni Association Visa® Card
If you’re a proud graduate of the College of William & Mary, you may be interested in the William & Mary Alumni Association Visa® Card from Commerce Bank. This rewards card offers a tiered earning system and is available to alumni and non-graduates alike.
Earning Rewards
This Visa® Card allows you to earn points that can be redeemed for cash back. You’ll earn 3% cash back on purchases at fast food restaurants, coffee shops, and ridesharing services. Additionally, you’ll earn 2% cash back at restaurants and gas stations, and 1% cash back on all other purchases.
Using Your Rewards
While this card is promoted as a cash back rewards card, you have the flexibility to redeem your points for other items such as gift cards, airline tickets, and fuel discounts. You can also choose to receive cash back rewards as a statement credit.
Introductory APR Offers
New cardholders can take advantage of a reduced APR on purchases and balance transfers for six months. This can be beneficial for financing smaller purchases, but may not be ideal for larger expenses.
In conclusion, the William & Mary Alumni Association Visa® Card offers a decent rewards program and introductory APR offers. However, there are other credit cards on the market that may provide better benefits and rewards. Consider your spending habits and financial goals before applying for this card.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- No annual fee
- Earn 3% cash back at coffee shops and fast food restaurants and through rideshare services
- Earn 2% at restaurants and gas stations, and 1% everywhere else
- Enjoy a reduced APR for 6 months on purchases and balance transfers
Who this card may suit
- You're an alumni of The College of William & Mary and want to show your affiliation
- You spend frequently on fast food, coffee, and ridesharing and want to earn 3% cash back on those purchases
- You want to earn 2% cash back at restaurants and gas stations, and 1% on everything else
- You would like to have reduced APR for 6 months on purchases and balance transfers
- You don’t want to pay an annual fee to use a credit card
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Intro Purchase APR | 1.99% for 6 months from account opening date |
| Regular Purchase APR | 20.24% to 30.24% variable based on creditworthiness and the Prime Rate |
| Intro Balance Transfer APR | 1.99% for 6 months from account opening date |
| Balance Transfer APR | 20.24% to 30.24% variable based on creditworthiness and the Prime Rate |
| Balance Transfer Transaction Fee | Either $10 or 5% of the amount of each transfer, whichever is greater |
| Cash Advance APR | 30.24% variable based on the Prime Rate |
| Cash Advance Transaction Fee | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction Fee | 1% of the transaction amount in U.S. dollars; 2% of the transaction amount in other currencies |
| Penalty APR | 32.24% variable based on the Prime Rate |
| Late Payment Penalty Fee | Up 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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William & Mary Alumni Association Visa® Card
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