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Credit Cards»Student Credit Cards

Student Credit Cards

What is a student credit card?

Student credit cards from our partners offer a way to build and establish credit early on in your financial life. Many of these cards come with rewards for daily spending, allowing you to build your credit history while receiving some perks.

Student cards are designed for individuals with limited to no credit history, making them easier to qualify for than other types of plastic. Cards such as these help newcomers in the credit world establish credit. Some offer rewards like cash back on gas and discounts at movie theaters. But many of these cards have relatively low credit limits and high APRs, charging high interest on balances and putting a maximum on spending.

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Who should get one?

Student credit cards are ideal for the young individual who's looking to establish and build a good credit history. Some of these cards offer bonuses for paying on time and, in some cases, offer access to higher credit limits.

Is my credit good enough?

These cards are typically offered to individuals with fair to good credit. You may not qualify for certain offers, depending on your credit history. In some situations, a co-signer, such as a parent, may be required, especially if you have no credit history.

Tips on student credit cards

Pay off your balance in full each month. One of the biggest dangers of these cards is accumulating high-interest credit card debt. It's important to calculate if you'll be able to pay off the balance in full each month before using the card for everyday expenses.

In addition, compare cards thoroughly by interest rate, annual fees and rewards offerings. Find a card that's best suited to your spending.

Browse our extensive list of student credit cards today.

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  • Discover it® chrome for Students with $20 Cash Back
    • Experience our cash rewards with $20 cash back after you make your first purchase within 3 months of approval.*
    • 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 other purchases.
    • Redeem your cashback for any amount, any time*. Your cash back never expires.
    • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on your first late payment. And paying late won't increase your APR.*
    • Free FICO® Credit Score online and on your monthly statements so you can track your score's progress*.
    • Free text alerts can remind you when your payment is due. And free mobile app helps you stay on top of your account.
    • 100% U.S.- based customer service— day or night.
    • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    10.99%
    Intro APR
    6 months
    Intro APR Period
    12.99% - 21.99% Variable*
    $0
    Fair Credit
  • Discover it® chrome for Students
    • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on your first late payment. And paying late won't increase 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.
    • 0% intro APR on purchases for 6 months—then a variable purchase APR applies, currently 12.99% - 21.99%.
    • Redeem your cashback for any amount, any time*. Your cash back never expires.
    • Free FICO® Credit Score online and on your monthly statement so you can track your score's progress*.
    • Free text alerts can remind you when your payment is due. And free mobile app helps you stay on top of your account.
    • 100% U.S.- based customer service— day or night.
    • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%
    Intro APR
    6 months
    Intro APR Period
    10.99%
    Intro APR
    6 months
    Intro APR Period
    12.99% - 21.99% Variable*
    $0
    Fair Credit
  • Discover it® for Students with $20 Cash Back
    • Experience our cash rewards with $20 cash back after you make your first purchase within 3 months of approval.*
    • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on your first late payment. And paying late won't increase your APR.*
    • 5% Cashback Bonus for gas and ground transportation on up to $1500 in purchases from Jan. through Mar. 2015 after you sign up for 5% Cashback Bonus. 1% cash back on all other purchases.
    • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
    • Free text alerts can remind you when your payment is due. And free mobile app helps you stay on top of your account.
    • 100% U.S.- based customer service— day or night.
    • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card.
    • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    10.99%
    Intro APR
    6 months
    Intro APR Period
    12.99%-21.99% Variable*
    $0
    Fair Credit
  • JourneySM Student Rewards from Capital One®
    • Earn 1% cash back on every purchase
    • For every month you pay on time, you receive a 25% bonus—that's 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 fee or foreign transaction fees
    • Fraud coverage if your card is lost or stolen
    • Pick the monthly payment due date that works best for you
    • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    19.8% (Variable)
    $0
    Average*
  • Discover it® for Students
    • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on your first late payment. And paying late won't increase your APR.*
    • 5% Cashback Bonus for gas and ground transportation on up to $1500 in purchases from Jan. through Mar. 2015 after you sign up for 5% Cashback Bonus. 1% cash back on all other purchases.
    • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
    • 100% U.S.- based customer service— day or night.
    • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card.
    • 0% intro APR* on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99%.
    • Free text alerts can remind you when your payment is due. And free mobile app helps you stay on top of your account.
    • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%
    Intro APR
    6 months
    Intro APR Period
    10.99%
    Intro APR
    6 months
    Intro APR Period
    12.99%-21.99% Variable*
    $0
    Fair Credit
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* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

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