Student Credit Cards

It is important for you to build your credit history early in life. With a well established history comes better interest rates on your larger purchases in life such as a house or a car. There are many student credit cards available online, but not very card is a great deal. Some student cards may have annual fees and very high interest rates, but there are some that offer 0% introductory rates as well as rewards. We have done the research on the leading credit cards for college students. Based on our research we have compiled a listing of the Top 5 college student credit cards in which we feel provide the best value overall.

The largest credit card issuers are creating some great student credit card offers because they want to build a long-term relationship with cardholders. They figure that if they treat you well now, you will want to be a cardholder for many years to come. Please review our Top 5 Student Cards list and select the card that is right for you.

Citi® Dividend® Card for College Students

Earn bonus cash back each quarter on new must-have categories- like department stores, travel and more, with enrollment
Earn a full 1% cash back on all other purchases
Free enrollment each quarter for new categories that earn additional cash back.
Manage your account online, on your tablet or on your Smartphone
No Annual Fee

Intro Purchase APR
0% for 7 months*

Intro Balance Trans. APR
N/A*

APR
13.99%-23.99%* (Variable)

Annual Fee
$0*

Journey(SM) Student Rewards from Capital One®

Designed to help students build good credit with responsible use
Access to your monthly credit score, plus an interactive tracking tool to help monitor your credit
Customizable text and e-mail alerts to help keep you on track
Get 1% cash back on all purchases, plus a 25% bonus each month you pay your bill on time
No annual fee
$0 Fraud Liability if your card is lost or stolen

Intro Purchase APR
N/A*

Intro Balance Trans. APR
N/A*

APR
19.8% (V)*

Annual Fee
None*

Rating: 5.0/5 (4 votes cast)

Student Credit Cards, 5.0 out of 5 based on 4 ratings

Student Credit Cards for Establishing Credit

When you are right out of high school you probably don’t have a credit history. Your credit history is very important when you want to make the larger purchases in life such as a car or house. The higher your credit score, the lower interest rates you will be offered when you are financing those large purchases. It is for this reason that you should build your credit history early and a student credit card can help. As you make purchases and on-time payments, the credit card issuer will report your history to the three major credit bureaus. As you prove that you can manage your student credit card account, you will have positive items being added to your credit report. All that will help your credit score and when you get out of college and start your career, you can move on to a excellent credit card that offers higher credit limits, lower interest rates, and even rewards.

Choosing the Best Credit Cards for College Students

If you are going to college you may have been approached by credit card companies on campus or received credit card applications in the mail. Choosing a credit card on impulse may not yield you the best overall card for your needs. The internet has changed the way students and general consumers can apply for a credit card. The research and comparison is online. Websites like ours have done research and report our findings so that consumers can compare and decide which credit card is right for them. We developed our rankings for the best student credit cards based on several factors. We analyzed if a card had an annual fee, what the introductory and on-going interests rates were, and if the card offers rewards. Base on those features we complied a listing of the Top 5 Student Cards which we feel offer the best overall value.

Using Your Student Card Wisely

Having a student credit card can help you establish and build your credit history, but you want to go about doing it the right way. You don’t want to get caught up in credit card debt. You will have enough bills out of college with student loans. You should only charge what you know you can afford. If you see something that you want to purchase and you know you will be unable to pay it off at the end of the month, you may want to consider not purchasing it or rather saving up for it. Emergencies do come up and they usually can’t be avoided. In those instances work to pay down your credit card debt as soon as possible. Many consumers find themselves carrying a balance through most of their lives, but that can be avoided with good sound financial discipline early in your adult life.