1.5% unlimited cash back on every purchase

$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 12.99% to 24.99%

Cash back rewards that adapt to you.

Your spending habits change. So this card adapts. Whether it's travel, entertainment, groceries or gas, you'll automatically earn 2% cash back on your two highest-spending eligible categories each month.2

You'll also earn a $200 cash back reward after spending $1,000 in the first 3 months,1 1.5% unlimited cash back on every purchase, and there's never an annual fee.3

Rewards you with cash back. And protects it too.

Evolve helps you feel good about your spending. But also protected. If you ever lose your card, or it’s stolen, pause it instantly from our mobile app. No harm done.

It even protects your phone. Hello.

Pay your monthly cell phone bill with your Sallie Mae EvolveSM card, and get up to $600 per claim in cell phone protection.4

Friendly reminder: friendly reminders.

Set and receive alerts to help manage your credit like a financial pro-opt in to push notifications.

Control. In your pocket.

The Sallie Mae Evolve card puts control of your spending and security right where it belongs: with you. Use the mobile app5 to:

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
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Set customized alerts
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Dispute transactions6
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Track your credit score7

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

Evolve is your co-pilot.

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Digital wallets

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

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Cell phone protection

Pay your monthly cell phone bill with your Sallie Mae EvolveSM credit card and get up to $600 per claim in cell phone protection.4

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$0 liability on unauthorized charges

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

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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%. Evolve cardmembers will earn a 33 1/3% bonus on the two highest-spending eligible categories which gives you a total cash back value of 2% on those categories. Click here to learn more about the eligible categories. For example, if you earn $10 in rewards in dining and grocery in one billing cycle, we will award you with an additional $3.33 in rewards.
3. View pricing and terms for Sallie Mae Evolve. 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. 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.
5. To access these features and benefits you must download the Sallie Mae credit card app.
6. 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.
7. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries. 
The Sallie Mae Evolve℠ 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.
SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE. CHECK SALLIEMAE.COM FOR THE MOST UP-TO-DATE PRODUCT INFORMATION.