Early access limited - join now to be amongst the first to experience the future of student loans

Earn 1x points for every dollar spent towards student loan payments, as well as 3x points on dining and up to 5x points in other categories!

Refer a friend for 2500 additional points

When you refer a friend to our waitlist, we will reward you and your friend with 2500 points each upon approval!*

fred Rewards

Redeem your fred rewards points for flights, hotels, and more through the fred rewards portal and its partners.

No annual fees

The fred card has no annual fee, and is designed to help students and graduates skip the starter card.*

Join the Waitlist

Get early access to the fred card

*This product is currently in development and not yet available to the public. Joining the waitlist does not guarantee access, approval, or availability. All features, rewards, and offers described are subject to change or cancellation without notice and do not constitute a commitment to lend or issue credit.