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What’s the annual fees?

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You’re subject to a $450 annual fee as soon as you’re approved for the card. According to Experian, more than half of Americans want a credit card with no annual fee; if that sounds like you, check out our no-annual-fee pick. The annual fee isn’t a deterrent for many Reserve fans—cardholders we talked to recouped $300 through travel credits within a few months, effectively reducing the annual fee to $150.

You don’t receive great rewards value for any non-travel or non-dining spending, which nets one point per $1 spent, or 1.5 points if you redeem the points for travel through Chase Ultimate Rewards.

A high annual fee

You’re subject to a $450 annual fee as soon as you’re approved for the card. According to Experian, more than half of Americans want a credit card with no annual fee; if that sounds like you, check out our no-annual-fee pick. The annual fee isn’t a deterrent for many Reserve fans—cardholders we talked to recouped $300 through travel credits within a few months, effectively reducing the annual fee to $150.
imate Rewards.

What’s the annual fees?

You’re subject to a $450 annual fee as soon as you’re approved for the card. According to Experian, more than half of Americans want a credit card with no annual fee; if that sounds like you, check out our no-annual-fee pick. The annual fee isn’t a deterrent for many Reserve fans—cardholders we talked to recouped $300 through travel credits within a few months, effectively reducing the annual fee to $150.

You’re subject to a $450 annual fee as soon as you’re approved for the card. According to Experian, more than half of Americans want a credit card with no annual fee; if that sounds like you, check out our no-annual-fee pick. The annual fee isn’t a deterrent for many Reserve fans—cardholders we talked to recouped $300 through travel credits within a few months, effectively reducing the annual fee to $150.

You don’t receive great rewards value for any non-travel or non-dining spending, which nets one point per $1 spent, or 1.5 points if you redeem the points for travel through Chase Ultimate Rewards.

A high annual fee

You’re subject to a $450 annual fee as soon as you’re approved for the card. According to Experian, more than half of Americans want a credit card with no annual fee; if that sounds like you, check out our no-annual-fee pick. The annual fee isn’t a deterrent for many Reserve fans—cardholders we talked to recouped $300 through travel credits within a few months, effectively reducing the annual fee to $150.
imate Rewards.

Ascent

4.5

Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.

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Ascent

4.5

Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.

Variable APR

2.73% to 13.01%

Fixed APR

3.62% to 14.50%

View Details

Why We Picked It

Ascent offers both co-signed and non-co-signed student loans, which gives borrowers without co-signers more college funding options. We scored the company based on its co-signed credit-based student loan for undergraduates.

Ascent stands out for its range of payment reduction and postponement options, rare among private lenders. Borrowers can choose a graduated repayment plan, which provides a lower monthly payment to start that increases over time. That can be useful for graduates just starting out, who will likely make more money as they move up in their careers.

Borrowers also can pause payments if they’re experiencing a temporary financial hardship for one to three months at a time, up to a maximum of 24 months total. (Taking this forbearance means you will repay the loan over a longer period, though.) Interest continues to accrue during forbearance, which is true for the vast majority of private student loans.

Ascent also offers a graduation reward of 1% of the loan’s original principal balance. Check the conditions you must satisfy to qualify.

Extra Details
Loan terms: 5, 10 or 15 years

Loan amounts available: $1,000 up to total cost of attendance, to a maximum of $200,000 per academic year ($200,000 aggregate)

Eligibility: Student borrowers with no credit history can qualify with a creditworthy co-signer. Co-signers must show income of at least $24,000 for the current and previous year. Co-signers must have a minimum credit score of 660 if the student has a score of less than 700, and a minimum credit score of 620 if the student has a score of 700 or higher.

Forbearance options: When experiencing financial hardship, borrowers can suspend payments for up to three months at a time, for a total of up to 24 months throughout the loan term. Only four rounds of forbearance (up to 12 months’ worth) may be taken consecutively.

Co-signer release policy: Available after 24 months of consecutive automatic debit payments, if the primary borrower meets certain credit score requirements.

Pros

• Both co-signed and independent loans available
• International students can qualify with a co-signer who has U.S. citizenship or permanent residency
• Interest rate estimate available without undergoing a hard credit check

Cons

• Charges late fees
• Maximum APR is above 10%

You’re subject to a $450 annual fee as soon as you’re approved for the card. According to Experian, more than half of Americans want a credit card with no annual fee; if that sounds like you, check out our no-annual-fee pick. The annual fee isn’t a deterrent for many Reserve fans—cardholders we talked to recouped $300 through travel credits within a few months, effectively reducing the annual fee to $150.
imate Rewards.

PolicyGenius

What’s the annual fees?

You’re subject to a $450 annual fee as soon as you’re approved for the card. According to Experian, more than half of Americans want a credit card with no annual fee; if that sounds like you, check out our no-annual-fee pick. The annual fee isn’t a deterrent for many Reserve fans—cardholders we talked to recouped $300 through travel credits within a few months, effectively reducing the annual fee to $150.

You don’t receive great rewards value for any non-travel or non-dining spending, which nets one point per $1 spent, or 1.5 points if you redeem the points for travel through Chase Ultimate Rewards.
A high annual fee
You’re subject to a $450 annual fee as soon as you’re approved for the card. According to Experian, more than half of Americans want a credit card with no annual fee; if that sounds like you, check out our no-annual-fee pick. The annual fee isn’t a deterrent for many Reserve fans—cardholders we talked to recouped $300 through travel credits within a few months, effectively reducing the annual fee to $150.
imate Rewards.

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• Test 1
• Test 1
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1. You swipe your card. When it comes time to pay for something, you use your card at the cash register by running it through a card reader (or, if you’re online, you enter your card information on the checkout page).

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2. The purchase is authorized. The card reader contacts your credit card company to make sure the card is valid for the purchase amount. Assuming everything is OK, the transaction is authorized.

3. The merchant gets paid. The bank that issued your credit card sends money for the purchase to the merchant where the transaction took place.

4. You pay. The transaction shows up on your credit card statement, and you repay the bank for the purchase.

“Without a working knowledge of money, it is extraordinarily difficult to do well in life,” says Sam X Renick, co-creator of Sammy Rabbit, a children’s character and financial literacy initiative. “Money is central to transacting life, day-in and day-out. Where we live, what we eat, the clothes we wear, the car we drive, health care, education, child-rearing, gift giving, vacations, entertainment, heat, air-conditioning, insurance—you name it, money is involved.”
Yet, plenty of parents aren’t helping their kids become financially literate. T. Rowe Price’s 11th Annual Parents, Kids & Money Survey found that nearly half of parents said they miss opportunities to talk to their kids about money and finances. And a quarter said they are very reluctant or extremely reluctant to discuss financial topics with their children.

Start With the Basics at a Young Age

Renick has been teaching kids about money through his Sammy Rabbit storybook character since 2001. He has found that the earlier you start a child’s financial education process, the better. Lessons should begin before age seven, he says, because research shows that money habits and attitudes are already formed by then. Your kids’ early interactions with money will likely involve spending. They see you using it to purchase things, including things for them. So it’s important to teach them from a young age that money isn’t just for spending—they should be saving money regularly, too.
Learning to save isn’t just an essential money habit. “Saving teaches discipline and delayed gratification,” Renick says. “Saving teaches goal-setting and planning. Saving stresses being prepared. Saving builds security and independence.”
Help your kids get in the habit of saving by giving them a piggy bank or savings jar where they can deposit coins or cash. Then use short, simple messages to encourage your kids. Renick offers these examples:

• Saving is a great habit.
• I love to save.
• It feels good to save money and build my future.

With young kids, though, you’ll likely have more luck teaching them to save for short-term goals—such as a toy they really want—rather than for the future, says Tim Sheehan, co-founder and CEO of Greenlight, a debit card for kids with parental controls. The father of four says that encouraging his kids to set short-term goals when they were little helped them learn the value of delayed gratification. As they have gotten older, they are now able to save for longer-term goals.

Both Peckham and Sheehan say they wanted their children to learn that money is earned. There are some chores the kids have to do without pay because they’re expected to help out as part of a family. But if they want to get paid, they have to complete certain tasks.
“Amazingly, it worked,” he says. They track how much they have coming in and going out and how much they’re saving using the Greenlight app. Learning how to budget now will help them when they enter the real world, Sheehan says. You could do as Peckham did with his kids when they were little and create spending, saving and giving jars. The Greenlight and FamZoo apps allow kids to create giving accounts. Or you could help your kids set up a special savings account for giving.
Then help your children plan their giving by discussing what groups or causes they want to support. They can visit CharityNavigator.org to find highly rated organizations.

Teach Kids How Their Money Can Grow

Saving money is a great habit. But if you want your kids to learn how to truly build wealth, teach them about investing, Sheehan says. “I’ve tried to pass on this knowledge and insight to my kids,” he says.
All four of his children have custodial investment accounts he set up for them (minors can’t open their own accounts). Sheehan started teaching his two oldest children, who are 20 and 18, when they were young about how they could invest their money and see it grow at a faster rate. He’s still working to get his younger two children to understand. “Some are ready for it at a young age,” Sheehan says. “Some maybe a little bit later.”
If you want your children to develop good spending and saving habits, they need to see you making smart spending and saving choices. In short, practice what you preach. And preach with consistency. Educating your children about personal finance is a process that can take time. But if you put in the effort and continuously communicate a clear message about money, you will instill good habits that will serve your children well.
If you want your children to develop good spending and saving habits, they need to see you making smart spending and saving choices. In short, practice what you preach. And preach with consistency. Educating your children about personal finance is a process that can take time. But if you put in the effort and continuously communicate a clear message about money, you will instill good habits that will serve your children well.

Short code test:

You’re subject to a $450 annual fee as soon as you’re approved for the card. According to Experian, more than half of Americans want a credit card with no annual fee; if that sounds like you, check out our no-annual-fee pick. The annual fee isn’t a deterrent for many Reserve fans—cardholders

You’re subject to a $450 annual fee as soon as you’re approved for the card. According to Experian, more than half of Americans want a credit card with no annual fee; if that sounds like you, check out our no-annual-fee pick. The annual fee isn’t a deterrent for many Reserve fans—cardholders

You’re subject to a $450 annual fee as soon as you’re approved for the card. According to Experian, more than half of Americans want a credit card with no annual fee; if that sounds like you, check out our no-annual-fee pick. The annual fee isn’t a deterrent for many Reserve fans—cardholders

You’re subject to a $450 annual fee as soon as you’re approved for the card. According to Experian, more than half of Americans want a credit card with no annual fee; if that sounds like you, check out our no-annual-fee pick. The annual fee isn’t a deterrent for many Reserve fans—cardholders

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