international student credit card

Terms and Conditions

SelfScore® Credit Card Terms and Conditions

SelfScore® has partnered with Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC, to offer this credit card, specifically designed for international students studying in the United States (the “Card”). These Terms and Conditions highlight the details of the card program, should you qualify. While we have summarized the terms of the Card here, be sure to review the full Cardholder Agreement for more detail.

Interest Rate and Interest Charges
Annual Percentage Rate (APR) for Purchases This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers None
APR for Cash Advances None
Penalty APR and When It Applies None
Paying Interest Your due date is at least 23 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the webite of the Consumer Financial Protection Bureau at
Annual Fee None
Transaction Fees
1)Balance Transfer None
2)Cash Advance None
3)Foreign Transactions None
Penalty Fees
1)Late Payment Up to $25
2)Over-the-credit-limit None
3)Returned Payment Up to $37

How We Will Calculate Your Balance: We use the average daily balance method (including new transactions). See Customer Agreement for details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights are included at the end of your Customer Agreement.


To be eligible for the Card, you must be at least 18 years old; an international student; attending a qualified program of study in the United States; and meet other qualification criteria as established by SelfScore. Additional restrictions apply.

Effective December 23, 2016