What makes this credit card offer different
This credit card offer should be judged by net value after annual fees and required spend, not just the welcome-bonus headline.
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Credit Card
Sallie Mae Accelerate & Evolve Bonus — Up to $200 + $25
Apply to Sallie Mae Accelerate & Evolve Bonus and earn up to $225 in combined sign-up and referral bonuses.
Qualifying Period
90 days (within 3 months of account opening)
Requirements
- ✓$1,000 spend within first 3 months
- ✓Min $1,000 spend in first 3 months
- ✓Spend $1,000 in the first 3 months
- ✓$1,000 spend in first 3 months
- ✓$1,000 in net eligible purchases in first 3 months
- ✓Spend $1,000 in first 3 months
- ✓Minimum $1,000 net spend on eligible purchases within first 3 months
- ✓Minimum $1,000 net spend in first 3 months
- ✓Spend $1,000 in net eligible purchases in first 3 months
- ✓Account must be open and up-to-date at time of fulfillment
Restrictions
- ⚠New customers only
- ⚠New cardmembers only
- ⚠Promotion not valid in combination with any other promotion or offer
- ⚠Not valid in combination with other promotions or offers
- ⚠Account must be open and in good standing at time of fulfillment
- ⚠Account must be open and up-to-date at time of fulfillment
Fees
- $0 annual fee
- No annual fee
- Accelerate: 2% cash back on student loan payments, 1.5% on all other purchases
- Evolve: 2% cash back on two highest-spending categories, 1.5% on all other purchases
- 0% intro APR on purchases for 6 months (then variable 15.24%-27.24%)
- Balance transfers and cash advances do not count toward the $1,000 spend requirement
- Business purchases do not count toward spend requirement
- Ineligible purchases include cash advances, balance transfers, convenience checks, business/commercial purchases, account fees, interest charges, and unauthorized transactions
- Cash advances, balance transfers, convenience checks, business purchases, account fees, interest charges, and unauthorized/fraudulent transactions do not qualify as eligible purchases
- Cash advances, balance transfers, convenience checks, business purchases, and fraudulent transactions do not count toward spending requirement
- Cards are issued by Sallie Mae Bank
- 0% introductory APR on purchases and balance transfers for 15 months (balance transfers must be authorized within 60 days)
- Promotion not valid in combination with any other promotion or offer
- Account must be in good standing to receive referral credit
Total potential bonus
$225
Additional Referral Bonus (how it works)
$25
Your 50% share of $50 paid directly by the referrer
View Referral Terms →$200 (sign-up) + $25 (referral) = $225 total
Last updated August 16, 2026
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How to evaluate Sallie Mae Accelerate & Evolve Bonus
Before applying, compare the welcome bonus against the annual fee, minimum spend, rewards currency, and issuer eligibility rules for repeat cardholders.
Qualification checklist
Timing
- Qualifying period
- 90 days (within 3 months of account opening)
How to qualify
- $1,000 spend within first 3 months
- Min $1,000 spend in first 3 months
- Spend $1,000 in the first 3 months
- $1,000 spend in first 3 months
Common pitfalls
- New customers only
- New cardmembers only
- Promotion not valid in combination with any other promotion or offer
- Not valid in combination with other promotions or offers
What makes this offer different
Bonus value versus similar offers
The sign-up bonus is below the current nearby $2,750 median, so the requirements and any referral or portal stack matter more.
Stacking potential
The tracked value can include $200 sign-up bonus, $25 referral share for a total displayed potential of $225. Confirm which apply path you use before assuming every component stacks.
Requirement clarity
Credolix has extracted 4 requirements for this offer, so compare the bonus against the actual steps rather than the headline payout alone.
Frequently Asked Questions
Can Sallie Mae Accelerate & Evolve Bonus stack with a referral?
Credolix tracks a referral path for this offer. The displayed user share is $25 based on 50% of the listed referral payout.
How long do I have to qualify for Sallie Mae Accelerate & Evolve Bonus?
The qualifying period listed for Sallie Mae Accelerate & Evolve Bonus is 90 days (within 3 months of account opening).
