Laurel Road Student Loan Cashback® Card

Introducing the first credit card that lets you redeem 2% cashback towards your student loans with 95% of U.S. servicers. Or, you can redeem 1% cashback towards anything else.

  • 0% Intro APR: No interest for the first 12 months on balance transfers made in the first 60 days.*
  • No Annual Fee† Take advantage of our $0 annual fee. Plus, no foreign transaction fees.
  • Flexible Cashback: 2% cashback towards eligible student loans, 1% cashback towards anything else.*
  • Extended Eligibility: The first card that lets you redeem cashback with 95% of student loan servicers.*
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Excellent Credit, Good Credit, Above Average Credit Student $0* 0.00% for 12 monthly billing cycles N/A* 18.74%* - 27.74%* Cash Back

Laurel Road Student Loan Cashback® Card Quick Summary:
This is a Mastercard cash back rewards card, issued by KeyBank N.A.. This card may be restricted to college students with a nearly perfect credit history. It is unlikely, but possible that you will be asked for proof of acedemic involvement before finalization of the card acceptance. Rates may vary among applicants, however the lowest standard APR is 18.74%* (Variable)* and may be as high as 27.74%* (Variable)*, depending on your credit worthiness*.

Important Rates:
There is a introductory balance transfer offer APR of 0.00% for 12 monthly billing cycles*. There is no annual fee for this card.*

This card is a cash back card, where you can expect cash rewards for your purchases.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a great credit record. A FICO credit score of 714 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.

FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any KeyBank N.A. product.

Other Basics:
The grace period listed for the Laurel Road Student Loan Cashback® Card is at least 25 days*. So interest charges will not be applied for new purchases during this time if balance is paid in full by the due date. Be aware that some issuers will begin charging interest on cash advances and balance transfers on the transaction date.

Before applying, you may need information about your college or university, such as the name, address, phone numbers, and dates attended.This card contains the brand of Mastercard, where acceptance is global. Most businesses that accept credit cards will accept Mastercard as a form of payment (subject to available credit).

Approval Rate:
Currently, we have no applicant results in our system. You can be the first one to help by submitting your application results to assist other applicants before they apply for this card.

There have been no approvals in our internal system that we can calculate for this card. This could be due to lack of time that this card has been listed at Finance Globe or from other various factors. As we gain more information about the approval rates, we will update them here. Furthermore, if your FICO score is close to or higher than 714, then your chance of approval may be even greater.

Approval Time:
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.

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