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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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  • Journey® Student Rewards from Capital One®
    • 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
    • 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
    Fair Credit
  • Discover it® chrome for Students
    • Double all the cash back you've earned at the end of your first year automatically—only for new cardmembers*
    • 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.
    • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
    • Free FICO® Credit Score on statements, online & by mobile app.* 100% U.S.-based service any time. Text alerts when payment is due & a free mobile app to stay on top of your account.
    • New Freeze It℠ on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.*
    • 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%.
    • *See rates, rewards, free FICO® Credit Score terms & 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
    • Double all the cash back you've earned at the end of your first year automatically—only for new cardmembers*
    • 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.
    • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
    • Free FICO® Credit Score on statements, online & by mobile app.* 100% U.S.-based service any time. Text alerts when payment is due & a free mobile app to stay on top of your account.
    • New Freeze It℠ on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.*
    • 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%.
    • *See rates, rewards, free FICO® Credit Score terms & 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
  • Citi ThankYou® Preferred Card for College Students
    • 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*
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%*
    Intro APR
    7 months on Purchases*
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    13.99% - 23.99%* (Variable)
    $0*
    Good 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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