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Best Student Credit Card Applications

  • Key Feature: Get Your Teams Logo.
    No annual Fee, Rewards, and 0% Intro APR
  • APR: 10.99%
  • Annual Fee: $0
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Our #1 priority is finding Your Best Credit Card Applications!

Get more when you apply for an student credit card. What other features will you need?

You're new to the world of credit, and many choices are out there. But how to you pick the best student credit cards for you? Let CreditCardApplictions.com match you with the best college student credit card - we scour our offers and create tailored cards offers, just for you. More...

 
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Discover it® for Students with $20 Cashback Bonus
Discover it® for Students with $20 Cashback Bonus

see credit card application
Intro Purchase Apr Regular Apr Ann.Fee
N/A 12.99%-21.99% Variable* $0
Type: Student, Credit Quality F ...
Rank: #1 Student , #1 No Credi ...
Credit Needed:   Fair
  • Experience our cash rewards with $20 Cashback Bonus® after you make your first purchase within 3 months of approval.*
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 after you sign up*. 1% cash back on all other purchases automatically.
  • 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 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.*
  • *Click "Apply Now" to see rates, rewards, free FICO® Credit Score terms and other information.
 
CCA In-House Review & more info
Discover it® chrome for Students
Discover it® chrome for Students

see credit card application
Intro Purchase Apr Regular Apr Ann.Fee
0% 12.99% - 21.99% Variable* $0
Type: Student, No Credit Histor ...
Rank: #2 Student , #2 No Credi ...
Credit Needed:   Fair
  • 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.
 
CCA In-House Review & more info
Discover it® for Students
Discover it® for Students

see credit card application
Intro Purchase Apr Regular Apr Ann.Fee
0% 12.99%-21.99% Variable* $0
Type: Student, Credit Quality F ...
Rank: #3 Student , #3 No Credi ...
Credit Needed:   Fair
  • 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 at gas stations on up to $1,500 in purchases from July through September 2014 after 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.
  • *Click "Apply Now" to see rates, rewards, free FICO® Credit Score terms and other information.
 
CCA In-House Review & more info
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Finding the Right card for a student

Truth is, there isn’t really a "right" card for a student. What matters most is responsible use of credit. Few young people realize that the best use of a credit card, early on, isn’t to make it easy to buy something at the mall, or even to purchase books and school supplies. Good use of a credit card can help establish a solid history of credit use that is invaluable and, increasingly, rare. Not rare are the card issuers that would like to put a credit card in your wallet – and let the interest payments pile up after that.

Say you put a $1,000 clothing spending spree on your card, at a (not rare) interest rate of 18%. If you make only the minimum payment each month, that $1,000 in clothing will take 12 years to pay off, and cost an additional $1,115 in interest – and that’s before any late fees or other penalties, if incurred. Even more important though – getting your first apartment out of school, on your own, is very difficult without a proven record of responsible credit use.

The "musts" of using credit wisely

No one wants to see someone just starting out get into trouble with credit. A few, easy to remember rules to live by (applicable if you’re 18 or 118) will keep anyone on the right track:

  • BUDGETING – include realistic figures for credit card spending in your budget, along with all the other items (food, rent, supplies, entertainment). If you’d like to "test the waters" (that is, you’re not sure if you trust yourself!), a Secured Card can provide all the benefits of a credit card, with none of the credit risk downsides (the card is "secured" by money you have in an account with the issuer). And take time to set something aside – try putting 10% of what you earn in a savings account – you’ll be glad you did one day!
  • DON’T "TAKE IT TO THE LIMIT" – Simply put – say away from spending up to the credit limit you’ve been issued. According to Fair, Issac (the main credit rating bureau in the U.S.) a maxed-out card is one of the main "red flags" when other businesses look at your credit rating. Moreover – that cushion between what you owe and your spending limit may be a rainy-day lifesaver – so always try to keep at least 20% of your total spending limit "off-limits". For instance – with a $2,000 spending limit, try to keep $400 off limits – set a personal limit of $1,600.
  • BE ON TIME, EVERY TIME – When you get a credit card statement – note the due date, and then mail the payment at least 10 business days before (or use online banking to achieve the same result). Remember the "maxed-out" advice from the rule above? Late payments are the #1 red flag that could get you denied for any credit in the future – so don’t be late!
  • PAY MORE THAN THE MINIMUM – Don’t get stuck in a trap – we all have friends that are still paying for a pair of jeans that were purchased during the last presidential administration. Don’t be that person! Avoid spending this month, and put that amount towards a larger monthly payment – you’ll be glad you did.
  • AND IF YOU’VE ALREADY BEEN IN CREDIT TROUBLE – Make sure you stick to any payment plan you’ve agreed to with your creditor – communication is the key. Also - see our favorable list of Challenged Credit Cards – they could help you to re-establish the credit you’ll undoubtedly need later in life.
We can Help
At CreditCardApplications.com, we think you can make the right decisions about credit – and we get you started in the right way. Take a look at our carefully selected Student Credit Cards. We offer the "right" mix of card that feature low annual fees, and low interest rates – and help you to use credit wisely!

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