Idaho Visa Card: Should You Apply for the University of Idaho Rewards Visa?

The University of Idaho Rewards Visa is a new credit card offering cash back and other perks to members of the Vandals community. Offered through Commerce Bank, this niche card provides an opportunity to show school spirit while earning rewards on everyday purchases.

Idaho Visa Card

This article will outline the key features, how the rewards work, the application process, account management, and responsible use recommendations for the card.

How the Rewards Work

The rewards structure is tailored specifically for students, alumni, faculty, parents and fans of the University of Idaho.

You’ll earn:

  • 3% cash back on coffee shops, fast food, and rideshare services like Uber and Lyft. These categories match common spending around campus.
  • 2% back at gas stations and restaurants. Fuel and dining are major expenses that can quickly add up rewards.
  • 1% back on all other purchases with no limit on earnings. Even everyday shopping accrues some cash rewards.

Intro 0% APR Offer

The card provides a 1.99% intro APR on purchases and balance transfers for the first 6 billing cycles. After that, a variable 20.24% – 30.24% APR applies based on your creditworthiness. This intro period can help you save on interest for new purchases or transferred balances.

Who This Card Is For

With University of Idaho branding and tailored rewards, this card clearly suits students, alumni, faculty, staff, fans, and parents closely tied to the university.

The combination of no annual fee and bonus categories like coffee, fast food, rideshares, gas, and restaurants matches the spending profile of most college-affiliated consumers. It encourages everyday use for things you likely purchase regularly.

But the niche rewards categories also limit the card’s appeal to the general public. Non-University of Idaho affiliates may be better served by a flat-rate cash back card like the Citi Double Cash or Wells Fargo Active Cash.

Alternatives to Consider

For a flat-rate cash back card with no annual fee, consider the Citi Double Cash Card. It provides 2% back on all purchases – 1% when you buy, 1% when you pay.

The Capital One SavorOne Cash Rewards Credit Card also earns 3% back on dining and entertainment, 2% at grocery stores, and 1% elsewhere. The Wells Fargo Active Cash Card offers unlimited 2% cash rewards on purchases.

The University of Idaho Visa card is best for Vandals community members who can maximize the tailored rewards. But generic cash back cards may suit other consumers better.

Rates and Fees

The University of Idaho Rewards Visa has:

  • No Annual Fee – No annual fee for having the card.
  • Regular APR – 20.24% to 30.24% variable APR on purchases based on your credit and the Prime Rate.
  • Balance Transfer APR – Balance transfers also have a 20.24% to 30.24% variable APR tied to your credit and Prime Rate.
  • Cash Advance APR – Cash advances have a higher 30.24% variable APR.
  • Intro APR – 1.99% APR on new purchases and balance transfers for the first 6 billing cycles.

The competitive variable rates and lack of annual fee help save money with this rewards card. Check your approved APR terms based on your credit profile.

How to Apply for the Idaho Visa Card

If you decide the University of Idaho Rewards Visa fits your spending habits and financial needs, applying is straightforward:

  • Go to their website and click “Apply Now” to access the Commerce Bank application page.
  • Enter your personal details like name, address, birthdate, and Social Security number so they can verify your identity.
  • Provide income, housing, employment and education details for eligibility requirements.
  • Review and agree to the terms and conditions.
  • Submit your application for review. If approved, your card should arrive within 7-10 business days.

How to Login to Your Account

You can conveniently access your University of Idaho Visa account online:

  • On the Commerce Bank website, click “Credit Cards” then “Account Login.”
  • If it’s your first time, click “Activate Card” and enter your card details. Follow the prompts.
  • After activation, return to the login page and enter your username and password.
  • If you forget your credentials, use the password recovery options.
  • Once logged in, view your balance, transaction history, make payments, set up autopay, and more!

Tips to Make Payments

Be sure to pay your bill on time each month to avoid fees and interest:

  • You can pay online via your account login. Select “Make a Payment” and enter the amount.
  • Set up recurring autopay to have payments made automatically each billing cycle.
  • Call the number on the back of your card to pay by phone.
  • Mail a check or money order to the payment address listed on your statement.
  • Go paperless by opting into e-statements to get statements online.
  • Always pay at least the minimum amount due by the payment due date.

Should You Apply for the University of Idaho Rewards Visa?

The University of Idaho Rewards Visa is targeted at Vandals community members who can take advantage of the unique rewards categories. With 3% back on coffee, fast food, and rideshares, plus 2% on gas and dining, the card matches spending habits for students, alumni, faculty, parents, and fans.

The no annual fee structure also makes it a cost-effective option for frequent everyday purchases. But the rewards categories are still fairly narrow, limiting the card’s broad appeal. Non-Vandals members may be better off with a flat-rate cash back card like the Citi Double Cash.

For University of Idaho affiliates, however, the tailored rewards can add up quickly on things you purchase regularly like morning coffee, takeout, Uber rides, and gas fill-ups. The 1.99% intro APR is also a nice feature for transfers or large purchases.

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