Credit Cards» Student Credit Cards

Student Credit Cards

  • What is a student credit card?
  • Who should get one?
  • Is my credit good enough?
  • Tips on 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 student credit 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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The listings that appear on this page are from companies from which this website receives compensation, which may impact how, where and in what order products appear. This table does not include all companies or all available products. Bankrate does not endorse or recommend any companies.

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Journey® Student Rewards from Capital One®
on Capital One's
secure website
  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • Enjoy no annual fee and no foreign transaction fees
  • Get a head start and build your credit with responsible use
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • Pick the monthly due date that works best for you
  • Get customized alerts and manage your account with the Capital One mobile app
Terms and Restrictions Apply
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
24.99% Variable
$0
Average, Fair, Limited
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Apply Now
Discover it® chrome for Students
on Discover's
secure website
  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter—no sign-ups needed. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • Receive Free Social Security number alerts—Discover will monitor thousands of risky websites when you sign up.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 14.49% - 23.49%.
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Terms and Restrictions 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
14.49% - 23.49% Variable
$0
Fair Credit
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Apply Now
Discover it® for Students
on Discover's
secure website
  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants or Amazon.com up to the quarterly maximum each time you activate.
  • Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • Receive Free Social Security number alerts—Discover will monitor thousands of risky websites when you sign up.
|
Terms and Restrictions 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
14.49% - 23.49% Variable
$0
Fair Credit
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Deserve® Edu Mastercard for Students
on Deserve's
secure website
  • 1% unlimited cash back on All purchases
  • Deserve will pay for Amazon Prime Student, get free Video, Music, and Reading (Up to a life-time total of $49)
  • Up to a $5,000 credit line
  • $0 annual fee
  • No security deposit or co-signer required (No SSN required for international students)
  • Builds credit history
  • Use anywhere in the world where Mastercard is accepted with no foreign transaction fees
  • Mastercard Platinum Benefits like Price Protection, Travel Assistance, ID Theft Protection, Extended Warranty and Car Rental Collision Damage Waiver
Terms and Restrictions Apply
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
20.24% Variable
$0
Limited/No Credit
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Apply Now
Self Lender — Credit Builder Account
on Self Lender Credit Builder's
secure website
  • Savings plans start at $25/month and includes credit monitoring
  • Reports to all 3 credit bureaus. No hard credit pull and no credit history required
  • Self Lender helps you get a small loan that you save in a CD for 12 or 24 months (FDIC- insured certificate of deposit bank account)
  • At the end of account term you've built credit history and your CD savings unlocks
Terms and Restrictions Apply
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
N/A
See Terms
See Terms
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Apply Now
Citi ThankYou® Preferred Card for College Students
on Citi's
secure website
  • Enjoy 0% Intro APR for 7 months on purchases from date of account opening; after that the variable APR will be 15.99% - 25.99% based upon your creditworthiness*
  • Earn 2,500 bonus points after spending $500 in purchases within the first 3 months of account opening
  • 2,500 ThankYou® Points are redeemable for $25 in gift cards, electronics and other great rewards when redeemed at thankyou.com
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • No expiration and no limit to the amount of points you can earn with this card
  • No annual fee*
Terms and Restrictions Apply
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
15.99% - 25.99%* Variable
$0*
Good Credit