Advertiser Disclosure – BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace.
Editorial Disclosure – The opinions expressed on BestCards’ reviews, blogs, and all other content on or relating to the website are solely those of the content’s author. They are not reflective of any card issuer or financial institution and have not been reviewed or approved by these entities unless otherwise noted. Further, BestCards lists credit card offers that are updated daily with information believed to be accurate to the best of our knowledge.
Valley Visa Signature® College Real Rewards Card
2,500 Bonus Points for Your First Purchase
- Regular Purchase APR 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 23.99% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 0% for 6 months from account opening date
- Processing Network Visa
- 0% introductory APR on purchases for 6 months
- 0% introductory APR on balance transfers for 6 months
- 3% cash back at gas stations
- 2% cash back at supermarkets
- 1% cash back on all other purchases
- 2,500 bonus points on your very first purchase with no spending requirement
- Intro Purchase APR: 0% for 6 months from account opening date
- Regular Purchase APR: 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 6 months from account opening date
- Balance Transfer APR: 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 23.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $35
- 20% off + Free Shipping on Fanatics.com orders of $49+ – Offer Expires on April 15, 2021 – See Details
- Stay 3, Pay 2 – Offer Expires on April 30, 2021 – See Details
- Stay 3, Pay 2 – Offer Expires on December 22, 2021 – See Details
- Save 10% on Select Regularly Priced Jewelry – Offer Expires on February 03, 2022 – See Details
- Save 10% and complimentary daily breakfast for two with Preferred Hotels – Offer Expires on March 31, 2022 – See Details
- Save $25 in the US with 1-800-GOT-JUNK? – Offer Expires on December 31, 2021 – See Details
- Save 15%* off the Merchandise Value** of your purchase with promotion code VISA38 – Offer Expires on December 31, 2021 – See Details
- Save 15%* off the Merchandise Value** of your purchase at Harry & David – Offer Expires on December 31, 2021 – See Details
- Troon® Golf for Visa Infinite – Offer Expires on January 26, 2022 – See Details
- Sonoma Wine Tastings 2:1 Offer with a Visa Signature or Visa Infinite Card – Offer Expires on December 31, 2021 – See Details
- View All Deals –
At a Glance
The Visa Signature College Real Rewards Card from Valley National Bank makes building good credit while in school look easy. Coming from a full line of uncomplicated cards, this option allows students to get started on their credit while earning a steady 1.5x points on purchases, with modest bonuses and introductory APRs in between.Ideal for Those Who:
- Are getting ready to start college and can utilize the introductory APR on dorm room supplies and textbooks
- Have little to no credit history established
- Want to build credit without missing out on rewards
Valley Visa® College Real Rewards Card Review
The Valley National Bank Visa College Rewards Card doesn’t make any claims about big rewards or endless benefits. Instead, it serves as a basic starter credit card that students can use to begin the journey toward good credit.Establish Credit While Earning Rewards
Like all cash back rewards cards, this Valley National Bank credit card has a set rewards rate that allows you to collect cash back on your purchases. While 1.5 points on every dollar spent may not sound like a lot, eventually they start to add up. Since there’s no limit to the points you can earn and no rotating categories to worry about, collecting these points feels as easy as earning extra credit for in-class participation. To get you started, Valley awards a 2,500-point bonus when you make your first purchase with the card, which has a value of $25. The only drawback is that these points expire in 5 years, so you’ll want to cash-in before then. Once you have your points in the bag, you can start to redeem them for a variety of rewards, including:- Gift cards from your favorite retailers
- Discounted travel
- Cash back in the form of statement credits or cash deposits