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.

 Discover it® for Students with $20 Cashback Bonus 
 

  • Experience our cash rewards with $20 Cashback Bonus® 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% cash back for online shopping and department store purchases on up to $1,500 - Oct. through Dec. 2014 when you sign up*. 1% cash back on all other purchases.
  • Free FICO® Credit Score online and on monthly statements*.
  • Talk to a real person any time with 100% U.S.-based service.
  • Looks out for you-since each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases*.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking \'Apply.\'
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
See Terms for See Terms*
APR
12.99%-21.99% Variable*
Annual Fee
$0
 



 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
  • 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*
  
 Intro Purchase APR
0% for 7 months*
Intro Balance Trans. APR
N/A*
APR
13.99% - 23.99%* (Variable)
Annual Fee
$0
 



 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% cash back for online shopping and department store purchases on up to $1,500 - Oct. through Dec. 2014 when you sign up*. 1% cash back on all other purchases.
  • Free FICO® Credit Score online and on monthly statements*.
  • Talk to a real person any time with 100% U.S.-based service.
  • Looks out for you-since each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases*.
  • 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.\'
  
 Intro Purchase APR
0% for 6 months*
Intro Balance Trans. APR
See Terms for See Terms*
APR
12.99%-21.99% Variable*
Annual Fee
$0
 



 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
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
19.8% (V)
Annual Fee
$0
 



 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%.
  • APR won't go up if you pay late*.
  • 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-anytime, day and night.
  • *Click \'Apply Now\' to see rates, rewards, free FICO® Credit Score terms and other information.
  
 Intro Purchase APR
0% for 6 months*
Intro Balance Trans. APR
See Terms for See Terms*
APR
12.99% - 21.99% Variable*
Annual Fee
$0
 



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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.