Credit Cards

¹ Offer subject to credit approval. Benefits will vary depending upon the card for which you are approved. Not everyone will qualify for the World MasterCard credit card and its benefits. If at the time of your application you do not meet the credit criteria previously established for this offer, or the income you report is insufficient based on your obligations, we may not be able to open an account for you or you may receive a Platinum card which has fewer benefits. Please review the materials provided with the Cardmember Agreement you will receive after account opening for more information about the benefits that will apply if you are not approved for the World MasterCard. This offer is available to new cardmembers only. For information about rates, fees, other costs, the reward program rules (including rewards accrual rate, awards, etc.) and benefits associated with the use of the credit card program, please see the Terms and Conditions. By applying for the card, you will be identifying yourself to Barclaycard as a Upromise member who is eligible for this offer.

² To earn a $25 Cash Back bonus you must use your new Upromise Credit Card to make your first purchase, cash advance, or balance transfer transaction within 90 days of opening your account. This is a limited time offer and may be cancelled at any time without notice.

³ Offer subject to credit approval. Benefits will vary depending upon the card for which you are approved. Not everyone will qualify for the World MasterCard credit card and its benefits. If at the time of your application you do not meet the credit criteria previously established for this offer, or the income you report is insufficient based on your obligations, we may not be able to open an account for you or you may receive a Platinum card which has fewer benefits. Please review the materials provided with the Cardmember Agreement you will receive after account opening for more information about the benefits that will apply if you are not approved for the World MasterCard. This offer is available to new Cardmembers only. For information about rates, fees, other costs, the reward program rules (including rewards accrual rate, awards, etc.) and benefits associated with the use of the credit card program, please see the Terms and Conditions. By applying for the card, you will be identifying yourself to Barclaycard as a Sallie Mae customer and/or visitor to salliemae.com who is eligible for this offer.

⁴ Restrictions apply. See the Terms and Conditions for complete details. 5% gasoline category rewards are earned on the first $250 net purchases made per monthly billing cycle at eligible gas stations and service stations. 5% groceries category rewards are earned on the first $250 net purchases made per monthly billing cycle at eligible grocery stores and super markets. 5% books category rewards are earned on the first $750 net purchases made per monthly billing cycle at eligible book stores. After that, for net monthly purchases made in each of these categories in excess of the dollar amounts specified (gasoline, groceries, and books) you will earn the base reward amount of 1%. After earning 2,500 rewards points, you may redeem your rewards for cash back in the form of a statement credit in the amount of $25, get a rewards credit applied to help you pay down your eligible Sallie Mae student loan, or redeem as cash back in a Upromise account. Sallie Mae serviced loans and other student loans may not be eligible for linking. Rewards used to pay down student loans reduce the total amount owed on the loan but are not applied to payments due. Subject to the terms and conditions applicable to your Sallie Mae student loan and/or Upromise account. Your participation in the rewards program may end if your credit card account is inactive for 13 months or more.

⁵ To earn the $25 First-Use Bonus which is in the form of a statement credit on the Sallie Mae Credit Card account (equivalent to 2,500 rewards points), you must use your new Sallie Mae Credit Card account to make a purchase, cash advance transaction, convenience checks, or transfer a balance within ninety (90) days of your Sallie Mae Credit Card account being opened. This a limited-time offer and may be cancelled any at any time without notice.

You must be a Upromise member to redeem your rewards points for Upromise cash back. If you do not have a Upromise account, you can learn more and join for no cost at Upromise.com.

Sallie Mae and the Sallie Mae logo are service marks or registered service marks of Sallie Mae Bank or its subsidiaries. SLM Corporation and its subsidiaries, including Sallie Mae Bank, are not sponsored by or agencies of the United States of America.

Upromise and the Upromise logo are registered service marks of Upromise, Inc. The Sallie Mae MasterCard and the Upromise MasterCard is issued by Barclaycard pursuant to a license by MasterCard International Incorporated. MasterCard and World MasterCard are registered trademarks of MasterCard International Incorporated.