Student Credit Cards

Best Student Credit Cards – Get the Best Credit Cards for Students
  • Compare student credit cards from our partners intended for students looking to establish a solid credit history
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Discover it® for Students - New! Good Grades Rewards

 

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Your Rating:

3.7/5.0 from 59 Cardholder Reviews Over the Past 60 Days!

Intro Purchase APR

0% for 6 Months*

Bonus Rewards

Earn 5% Cash Back*

Exclusive Bonus Offer

Double cash back at end of 1st year*

Annual Fees

$0*

Credit Needed

 
Fair Credit

Credit cards for fair credit are intended for those with a credit score between 600 - 659.

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Fair Credit

Highlights

  • Click "APPLY NOW" to apply online
  • New! Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.*
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
  • 5% cash back in categories that change each quarter like gas, restaurants, Amazon.com and more - up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
  • Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online.* Plus get 100% U.S.-based service, text alert payment reminders & a mobile app.
  • New Freeze It℠ on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.*
  • 0% intro APR* on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99%.
  • New! Double all the cash back you’ve earned at the end of your first year, automatically - only for new cardmembers.*
  • *See rates, rewards, FICO® Credit Score terms & other info by clicking “Apply.”

Discover it® Chrome for Students - New! Good Grades Rewards

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.9/5.0 from 24 Cardholder Reviews Over the Past 60 Days!

Intro Purchase APR

0% for 6 Months*

Bonus Rewards

Earn 2% Cash Back*

Exclusive Bonus Offer

Double cash back at end of 1st year*

Annual Fees

$0*

Credit Needed

 
Fair Credit

Credit cards for fair credit are intended for those with a credit score between 600 - 659.

Get Your Free Score!
Fair Credit

Highlights

  • Click "APPLY NOW" to apply online
  • New! Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.*
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter - no sign-ups needed.* 1% cash back on all your other purchases.
  • Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online.* Plus get 100% U.S.-based service, text alert payment reminders & a mobile app.
  • New Freeze It℠ on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.*
  • 0% intro APR* on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99%.
  • New! Double all the cash back you’ve earned at the end of your first year, automatically - only for new cardmembers.*
  • *See rates, rewards, FICO® Credit Score terms & other info by clicking “Apply.”

Journey® Student Rewards from Capital One®

 

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Your Rating:

3.8/5.0 from 33 Cardholder Reviews Over the Past 60 Days!

Rewards Rate

Earn 1% cash back on all purchases

Bonus Cash Back

Earn 25% bonus on cash back you earn each month you pay on time

Regular Purchase APR

19.8% (Variable)

Annual Fees

$0

Credit Needed

 
Fair Credit

Credit cards for fair credit are intended for those with a credit score between 600 - 659.

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Average/Fair/Limited

Highlights

  • Click "APPLY NOW" to apply online
  • Earn 1% cash back on all purchases, plus a 25% bonus on the cash back you earn each month you pay on time, for a total of 1.25% cash back
  • There’s no limit to the amount of cash back you can earn, and rewards don't expire
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Pay no annual or foreign transaction fees
  • Fraud coverage if your card is lost or stolen
  • Pick the monthly due date that works best for you
  • Free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker

Citi ThankYou® Preferred Card for College Students-Earn 2,500 Bonus Points

 

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Thanks for rating!

Your Rating:

3.8/5.0 from 16 Cardholder Reviews Over the Past 60 Days!

Intro Purchase APR

0%* for 7 Months on Purchases

Rewards Rate

2 ThankYou Points on restaurants & entertainment*

Regular Purchase APR

13.99%-23.99%* (Variable)

Annual Fees

$0*

Credit Needed

 
Good Credit

Credit cards for good credit are intended for those with a credit score between 660 - 699.

Get Your Free Score!
Good

Highlights

  • Click "APPLY NOW" to apply online
  • Earn 2,500 bonus ThankYou® Points after spending $500 within the first 3 months of cardmembership.
  • 2 ThankYou® Points per dollar spent on purchases for dining at restaurants and entertainment. 
  • 1 ThankYou® Point on other purchases.
  • Points do not expire and earn unlimited Thank You Points with this card
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*

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Picture of Linda Forgiarini

By: | Jun 16, 2015

I feel as though I'm not given the opportunity to have credit, thanks to what my ex did to damage my credit history, and though the banks claim "we have given this careful consideration", they did NOT do that at all. The worst thing that they do, besides denying you credit, is making you wait forever when they owe you money back for any reason. It sure comes out immediately if not sooner when you owe them money, so why can't it go back no just as fast. No reason, other than they want to collect interest on your money a little longer so they hold on to it, despite the fact that you need that money much more than they do. Heartless is what they are, plain and simple.

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Best Student Credit Cards

Student credit cards are specifically designed for high school and college students. In the past few years, student credit cards have developed excellent features to help students manage credit card expenses, payments, and debts and reward students for effective financial management. Some, for instance, offer rewards that can be redeemed in the campus bookstore, on iTunes, or to buy concert tickets or pizza in local restaurants.

The best credit cards for students may also offer convenient ways to help parents transfer money to kids and then track their child’s use of the card to ensure that the student is using it responsibly. Best of all, students can use these credit cards to build up their independent credit history and good credit score so that once they leave school they will be in a solid position to potentially borrow money from banks or lenders.

As with any credit card, you should first check the APR and other rates, fees, and charges including any annual fees. Carefully compare those for each student credit card – while taking any rewards and benefits into consideration. If some of the terminology card companies use to explain their plastic sounds like Greek to you, don’t worry. You can refer to the glossary provided on our site for user-friendly translations that don’t require an advanced post graduate degree to understand.

In general, both high school and college students seek the following type of credit cards:

  • Credit cards with no credit history
  • Credit cards with bad credit history

Whatever the reason, students often look for a quick fix to meet their needs during their full time job of earning a degree.  Before you sign up for the instant approval student credit cards that offer you a free t-shirt, make sure you understand the terms and conditions.