Points · Visa · No annual fee
Last verified 2026-09-09. Review issuer source
1st Source Bank Visa College Real Rewards is a no-annual-fee points card from 1st Source Bank. It earns 1.5x on every purchase with no categories to track. Rewards are Elan Rewards points that only spend inside that program, so we value them at about 0.67¢ each.
On our reference budget of $24,600 a year it returns about $246, an effective 1% back. The welcome bonus, 2,500 points, adds to the first year's return.
It is a stepping-stone card. Keep the balance low and revisit once your score reaches the good range, where no-fee cards with better rates open up. It charges 3% on foreign purchases, so leave it home when you travel abroad.
2,500 bonus rewards points awarded after first purchase3, redeemable for $25 cash back, merchandise, gift cards or travel savings.
No benefits are stored for this catalog entry yet.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| 1st Source Bank Visa® College Real RewardsThis card · 1.5x on everything | None | $246 | +$246 | 688th of 1,291 |
| 1st Source Bank Visa® Max Cash Preferred1st Source Bank's most-held other card · 5% on cable TV | None | $552 | +$552 | 23rd of 1,291 |
| Savor RewardsThe strongest no-fee card on this budget · 3% on dining | None | $642 | +$642 | 4th of 1,291 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 1st of 1,291 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
