$0 Annual Fee3

0% Intro APR for 15 months on purchases and any balance transfers made within 60 days of account opening,3 then a standard variable APR of 15.24% to 27.24%

The only card that gives 2% cash back to help pay down any student loan, or 1.5% for everything else.2

Other cards might give you airline miles or next-to-impossible to use bonus points. This one gives you a real reward: the chance to help pay down any federal or private student loan faster.

We don't skimp on cash back rewards, either.

Redeem 2% cash back to help pay down any student loan, or 1.5% for everything else,2 with no limits—and never an annual fee.3

We've got your back, but you're in control.

Manage everything from spending to security straight from the mobile app4 with only a few taps.

dark blue icon with coral accent for pause card. dark blue credit card with a coral pause symbol in front.
Pause your credit card for any reason
accent dark blue and coral icon for credit card feature benefit custom alerts svg. bell ring ringing sound noise warning attention
Set customized alerts
icon for credit card feature dispute transactions accent coral dark blue list no exclamation point circle alert document invoice bill
Dispute transactions5

And you'll never be responsible for any unauthorized charges on your Sallie Mae AccelerateSM credit card.

Here's a tip: Quick tips.

Customizable quick tips can help you manage your credit like a financial pro. Opt in to push notifications and we'll jump into action.

Everything you’d expect. And more.

It’s more than a card. It’s a card packed with features and perks, to make life easier and more rewarding.

icon for credit card cc feature digital wallets wallet phone signal internet paperless
Digital wallets

Add your card to a digital wallet in seconds and speed through checkout.

icon for credit card cc feature phone protection protected mobile defense shield safe safety
Cell phone protection

Pay your monthly cell phone bill with your Sallie Mae AccelerateSM credit card and get up to $600 per claim in cell phone protection.6

icon for credit card cc feature not liable shield accent cyan white safe liability none
$0 liability on unauthorized charges

You're never responsible for unauthorized purchases on your card.

icon for credit card cc feature united states us usa based customer service agent speak speaking chat
Customer service

100% US-based customer service

1. You'll earn $200 in bonus rewards after you've spent $1,000 (net) on eligible purchases in the first three months after you open the account. The following do not qualify as eligible purchases, do not earn cash back and do not count as part of the net spend requirement for the bonus reward: cash advances (including cash-like transactions), balance transfers, convenience check amounts, purchases that we believe have been made by or for a business, commercial or investment purpose, account fees, interest charges, and unauthorized or fraudulent transactions. Bonus rewards will be applied to your rewards balance within one or two billing periods after you spend the required amount. Your account must be open and up-to-date at time of fulfillment to earn rewards. This promotion is not valid in combination with any other promotion or offer. See Cardmember Agreement and Rewards Terms and Conditions for full details.

2. Base cash back is earned at a rate of 1.5%. Accelerate cardmembers will earn a 33 1/3% bonus on rewards redeemed to help pay down a student loan (Bonus Rewards) which gives you a total cash back value of 2% on the amount redeemed. For example, if you redeem $100 in Rewards to pay a student loan, you will earn an additional $33.33 in Bonus Rewards, which will be included as part of the student loan payment, resulting in a total payment of $133.33 toward your student loan. Bonus Rewards only apply on reward amounts redeemed to help pay down a student loan. The reward redemption amount may not satisfy the loan payments due to your lender and you are responsible for meeting the specific payment terms of your loan.

3. View pricing and terms for Sallie Mae Accelerate. 0% introductory APR on Purchases and Balance Transfer for 15 months from the date of account opening; Balance Transfers must be authorized within 60 days from date of account opening.

4. To access these features and benefits you must download the Sallie Mae credit card app.

5. You may initiate a dispute through the mobile app within the transaction details or by contacting us in writing at Sallie Mae, PO Box 1230, Menlo Park, CA 94026.

6. Cell phone protection is provided by Mastercard under a group insurance policy issued by New Hampshire Insurance Company, an AIG company. Policy provides secondary coverage only. The $600 benefit amount applies to each claim and is subject to a $50 co-pay per claim. Protection applies to up to 3 phones, the primary line and up to the first two secondary lines on the covered phone bill. $1,000 maximum claim benefit per 12 months. Refer to your Guide to Benefits for additional information as terms and exclusions may apply.

The Sallie Mae Accelerate credit card is issued by Sallie Mae Bank pursuant to a license by Mastercard International Incorporated. Mastercard and World Mastercard are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated.