As the name suggests, one might readily think that student credit cards are meant for students. However, it might be a myth; anybody can acquire a student credit card as long as they are within the age requirements. Our student credit cards aim to aid in the habit of building credit and learning how to manage financials in younger adults.  To be eligible for a Student Credit Card at Aspire Credit Union, here are a few things to consider:

As A Student, Can You Get A Credit Card?

If you are between the ages of 16-25, now is a great time to consider getting a credit card.  At Aspire, based on your age and income, you may be required to have a  co-signer on your card.   A credit card works to help you build credit as you earn money independently.  A strong credit score, which will be developed over years of proving you are a reliable borrower, will help you as you get older and need or require a larger loan, whether it is for a car or a home. a

Pros and Cons Of Owning a Student Credit Card


  •  Having an excellent credit score from early on will make your future borrowing and credit card issuing process easier. By establishing early, you will have proven your ability to pay back borrowed funds, illustrating you a reduced-risk borrower.
  • Having good credit will provide you the opportunity to receive better rates in the future, too. 
  • You can enjoy reward points on every purchase by using a student credit card while maintaining a low-interest rate. The amount of rewards earned is compounded over time. 



  • Due to your credit history, you may start with a smaller limit. This is to protect you from spending more than you can afford.
  • If you fail to hold up your end and you don’t make payments on your card, it can affect your credit score. Late payments, if they are sent to collections can stay on your credit report for up to 7 years.


Student credit cards are a great way to educate young adults about financial responsibility and independence. As a parent or guardian, one can encourage their child to opt for a student visa to start establishing a positive relationship with earning credit. One reliable way to obtain one is to contact us at Aspire Credit Union, and speak with our professional team. Through our student credit card program, you will receive rewards and benefits at a low-interest rate while also building your credit for your financial future.