Cadence Bank Mastercard® Student Card
Cadence Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Cadence Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Cadence Bank Mastercard® Student Card from Cadence Bank earns up to 0% effective value on dining in Madeen's catalog snapshot. It has no annual fee.
- Top category
- Dining
- Effective value
- 0%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 0x points.
What does the Cadence Bank Mastercard Student Card earn in each category?
Dining is the strongest category at 0% effective value (0x points at about 0 cents each). The five-category effective-rate table on this page shows how Cadence Bank Mastercard Student Card compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 0% effective value (0x points at about 0 cents each). The five-category effective-rate table on this page shows how Cadence Bank Mastercard Student Card compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 0x points | 0% Top category |
| Grocery Supermarkets and grocery stores | 0x points | 0% |
| Gas Gas stations and fuel | 0x points | 0% |
| Travel Flights, hotels, transit | 0x points | 0% |
| Other General everyday spend | 0x points | 0% |
Madeen values points at about 0 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Cadence Bank Mastercard Student Card?
The Cadence Bank Mastercard Student Card fits spenders who put meaningful volume in dining and can earn 0x points. Best for spenders who put meaningful volume in dining and can earn 0x points.
Cadence Bank Mastercard Student Card fits spenders who put meaningful volume in dining and can earn 0x points. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 0x points.
Foreign transaction fees make it weaker for international spend. Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 0% effective (0x points).
- No annual fee in our catalog snapshot.
Cons
- Charges $2 foreign transaction fees.
- points value depends on how you redeem, not straight cash back.
Does the Cadence Bank Mastercard Student Card have an annual fee?
The Cadence Bank Mastercard Student Card has an annual fee of $0 and a foreign transaction fee of $2. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- $2
Related encyclopedia topics
Common questions about the Cadence Bank Mastercard Student Card
Does the Cadence Bank Mastercard Student Card have an annual fee?
The Cadence Bank Mastercard Student Card carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Cadence Bank Mastercard Student Card?
Dining is the strongest Madeen category for the Cadence Bank Mastercard Student Card at about 0% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Cadence Bank Mastercard Student Card charge foreign transaction fees?
The Cadence Bank Mastercard Student Card charges a foreign transaction fee of $2 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
What credit score do you need for the Cadence Bank Mastercard Student Card?
Madeen's catalog lists a typical credit range of No Credit History / Rebuilding for the Cadence Bank Mastercard Student Card. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the Cadence Bank Mastercard Student Card?
Rewards on the Cadence Bank Mastercard Student Card post as points. Redemption value depends on how you use points (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How do I maximize rewards on the Cadence Bank Mastercard Student Card?
To maximize the Cadence Bank Mastercard Student Card, route dining and other bonus categories through this card when they match your spend, then compare it against cards you already carry with Madeen at checkout.
How does the Cadence Bank Mastercard Student Card compare to similar cards?
Compare the Cadence Bank Mastercard Student Card against Cadence Bank Gold Mastercard (1% on Dining, $0 fee); Cadence Bank Platinum Mastercard (1% on Dining, $0 fee); Cadence Bank Standard Mastercard (1% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Cadence Bank Mastercard Student Card This card | Dining | 0% | $0 |
Cadence Bank | Dining | 1% | $0 |
Cadence Bank | Dining | 1% | $0 |
Cadence Bank | Dining | 1% | $0 |
Related Madeen guides
Related cards
See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Cadence Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Cadence Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure