Build Your Credit History, Achieve Your Goals

With the Ambition Student Mastercard®, everyday purchases and on-time payments add up to good credit history1 – and a bright financial future. From textbooks to take-out, you can establish credit history safely and easily.

  • No credit check to qualify
  • No interest or late fees2
  • Cash back on all purchases3
  • Built-in fraud protection

How Does Ambition Compare?

It's the best of both worlds:

Ambition Card Credit Cards Debit Cards
No credit check to qualify
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No interest charges2
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No late fees2
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Impacts your credit score1
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How Ambition Card Works

1

Sign Up

It only takes minutes to start your credit journey. There is no credit check, and the sign up process is fast & easy.

ambition signup
2

Make A Deposit

Set your own credit limit by the amount you put into your Ambition Card account4, 5. To transfer funds, simply download the app and link your existing bank account.

Scan to download the mobile app

Ambition App QR code
ambition transfer
3

Start Using Your Card

You don't have to wait for a physical card to arrive to make purchases. Once funds have been deposited into your Ambition account, you can add your card to your virtual wallet and begin using it right away!

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4

Pay Your Balance

Pay your balance on time each month and you're on your way to a healthy credit history1. We report your payment activity to all three major credit bureaus.

ambition pay

Why Building A Good Credit History Matters

Establishing and building credit history early puts you on track for a bright financial future1. We report your on-time Ambition Card payments to all three major credit bureaus, so you're building trust with lenders every time you use it.

From groceries and gas to lattes and laptops, using Ambition for little things can help you qualify for big things:

An Apartment Lease

An apartment lease.

A Car Loan

A car loan.

Lower Interest Rates

A lower interest rate.

With a swipe or tap, you can earn cash back3

Earn cashback rewards with ambition

Food Delivery

Savor the rewards of 1.25% cash back on every purchase of food. That includes take-out and delivery.

Rideshare

Move closer to your goals with 1.25% cash back on rides. Meet up with friends, explore your city, and get to class on time.

Streaming

Watch your savings grow with 1.25% cash back on streaming. Binge your favorite shows or take in the latest blockbuster.

All Other Purchases

Earn cash back on every purchase you make!

Frequently Asked Questions

Still have Questions? We're here to help.

  • How can the Ambition Student Card help my credit history?

    The Ambition Student Card can help students with little or no credit history establish a credit line. It also offers features that help students stay on top of key credit score factors, such as making on time monthly payments and lengthening your credit history over time.

    We report to the major credit bureaus - TransUnion®, Experian®, and Equifax® - and we report your VantageScore® credit score right in your account. Watch it change over time as you use your Ambition card!

  • What makes the Ambition Student Card different from other student credit cards?

    Unlike traditional student credit cards, the Ambition card helps students build credit history with no interest and no credit check required at application.

    The Ambition card is a secured student credit card. The money you deposit into your Ambition deposit account establishes your credit line and available money to spend. The money in your deposit account can be used to pay your monthly balances so that you'll never miss a monthly payment. You will also have a pre-set limit so that you'll only spend what you can contribute to your deposit account - no going over your budget, spending beyond your means, or high utilization on your credit history.

  • Is the Ambition card a secured credit card?

    Yes, the Ambition student card is a secured credit card specifically designed for students. The money you add to your Ambition deposit account establishes your credit line and how much you can spend with your Ambition card.

  • What happens if I miss a payment?

    Don't stress if you miss a payment! We will use funds in your deposit account to pay down your balance. However, this will decrease your credit limit and funds available to spend in the future. If you want to restore your credit limit to a higher amount, simply deposit more money into your deposit account from any checking or savings account you already have.

  • Is the Ambition Card right for me?

    If you're ready to build credit history, the Ambition Card by College Ave is right for you. But it takes time and dedication. The Ambition Card can be a useful tool for a successful financial future. All you have to do is fund your account and make on-time payments each month.

Ready to get started?

Set up your student card account and download the mobile app to start building credit history1, and easily manage your Ambition Mastercard.

Footnotes

1

The Ambition Card is designed to help you build your credit history; however, a variety of factors impact your credit including payment history, utilization, derogatory marks, account age, total number of accounts, and inquiries—not all factors are equally weighted.

2

0% Annual Percentage Rate. Account is subject to a monthly account fee of $2, account fee is waived for the initial six-monthly billing cycles.

3

Cash back rewards are subject to the Ambition Rewards Terms & Conditions.

4

Credit limit based on amount deposited into the Secured Deposit Account, up to a maximum limit of $2,500.

5

A minimum deposit of at least $50.00 is required to get started.

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Which product best suits you?

Interested in building your credit?

Set sights on a brighter financial future by establishing a positive credit history easily and safely with Ambition Card.

Ambition Card by College Ave
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