Sallie Mae IgniteSallie Mae AccelerateSallie Mae Evolve
Annual fee$0.$0.$0.
First-year rewards2% cash back on all purchases during the first year.2.5% cash back on all purchases during the first year.2.5% cash back on all purchases during the first year.
Ongoing rewards

  • 1% on all purchases.

  • Plus, 25% bonus on your base cash back rewards if you make six months of consecutive on-time payments.


  • 1.25% on all purchases.

  • Earn an additional 25% bonus on cash back rewards used to pay down any federal or private student loan.


  • 1.25% on all purchases.

  • Get an extra 25% on cash back rewards earned in two top spending categories each month.