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Greatest Students Credit Cards

Our Featured Card
JourneySM Student Rewards from Capital One®
Click to see Credit Card details
  • APR:19.80% (Variable)*
  • Annual Fees:$0*
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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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JourneySM Student Rewards from Capital One®

Journey<sup>SM</sup> 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
  • Rank: #1 Student Credit Cards, #2 No Credit History, #11 Visa, #12 Capital One, #19 Cash Back Credit Cards

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A* N/A* 19.80% (Variable)* $0.00* N/A* * Average*


Discover® Student Card

Discover® Student Card
  • 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 13.99% - 20.99%*
  • 5% Cashback Bonus®* in categories that change like gas, restaurants, department stores and more. Limitations apply*
  • Up to 20% Cashback Bonus at popular retailers when you shop online through ShopDiscover.com
  • Up to 1% unlimited Cashback Bonus on everything else you buy
  • $0 Fraud Liability plus mobile and email fraud alert options
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • Rank: #2 Student Credit Cards, #8 Discover, #10 Credit Quality Fair, #27 Low Interest Credit Cards, #31 Cash Back Credit Cards

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
0.00%* 9 months on purchases* 13.99-20.99% (Variable)* $0.00* N/A* * Fair Credit*


Discover® Student Card

Discover® Student Card
  • Get $25 Cashback Bonus®* when you make your 1st purchase within 3 months
  • 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 13.99% - 20.99%*
  • 5% Cashback Bonus®* in categories that change like gas, restaurants, department stores and more. Limitations apply*
  • Up to 20% Cashback Bonus at popular retailers when you shop online through ShopDiscover.com
  • Up to 1% unlimited Cashback Bonus on everything else you buy
  • $0 Fraud Liability plus mobile and email fraud alert options
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • Rank: #3 Student Credit Cards, #9 Credit Quality Fair, #9 Discover, #28 Low Interest Credit Cards, #33 Cash Back Credit Cards

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
0.00%* 6 months on purchases* 13.99-20.99% (Variable)* $0.00* N/A* * Fair Credit*


Discover® Open RoadSM Card for Students

Discover® Open Road<sup>SM</sup> Card for Students
  • 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 13.99% - 20.99%*
  • Double Cashback Bonus®* at gas stations and restaurants
  • Up to 20% Cashback Bonus at popular retailers when you shop online through ShopDiscover.com
  • Up to 1% unlimited Cashback Bonus on everything else you buy
  • $0 Fraud Liability plus mobile and email fraud alert options
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • Rank: #4 Student Credit Cards, #10 Discover, #13 Credit Quality Fair, #16 Gas Cards, #29 Low Interest Credit Cards, #32 Cash Back Credit Cards

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
0.01%* 9 months on purchases* 13.99-20.99% (Variable)* $0.00* N/A* * Fair Credit*


Citi® Dividend Platinum Select® Card for College Students

Citi® Dividend Platinum Select® Card for College Students
  • No Cosigner Required
  • Earn 5% Cash Back on eligible purchases at supermarkets, drugstores, gas stations, convenience stores & utilities (including cable) for 6 months, and 1% thereafter*
  • Earn at least 2% cash back in popular rotating categories like restaurants, apparel, hotel and more. Enrollment required*
  • Earn a full 1% cash back on all other purchases*
  • Rank: #5 Student Credit Cards, #13 Citi Credit Cards, #20 Credit Quality Good, #23 Visa, #34 Cash Back Credit Cards

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
0.00%* 7 months on purchases* 13.99-21.99% (Variable)* $0.00* N/A* * Good


Student UPside Visa® Prepaid Card

Student UPside Visa® Prepaid Card
  • A card truly designed for the 13-25 age group and their parents
  • Full parental control. Safer than cash
  • Parents can load the card online from their own credit card or checking account
  • Instant online funding, great for emergencies when your child is away from home
  • If your child is in high school, you can set allowances and monitor his/her spending online. Also perfect if he/she is traveling without you
  • If your child is already in college, he/she can receive free direct deposits from an employer, write checks and most importantly stay out of debt
  • Apply online now. Only $2.99 a month or $29.95 a year
  • Rank: #6 Student Credit Cards, #14 No Credit History, #24 Prepaid & Debit Cards

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A* N/A* N/A* $0.00* N/A* * No Credit Check*


Citi Forward® Card for College Students

Citi Forward® Card for College Students
  • No Cosigner required
  • APR reduction on purchases when using credit wisely
  • 100 ThankYou Points each billing period that you pay on time and stay under your credit limit
  • Earn 1,000 points after you sign up for paperless statements within the first 3 months of account opening.
  • Rank: #7 Student Credit Cards, #14 Citi Credit Cards, #21 Credit Quality Good, #24 Visa

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
0.00%* 7 months on purchases* 13.99-22.99% (Variable)* $0.00* N/A* * Good Credit*


Discover® Student Clear Card

Discover® Student Clear Card
  • 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 13.99% - 20.99%*
  • 5% Cashback Bonus®* in categories that change like gas, restaurants, department stores and more. Limitations apply*
  • Up to 20% Cashback Bonus at popular retailers when you shop online through ShopDiscover.com
  • Up to 1% unlimited Cashback Bonus on everything else you buy
  • $0 Fraud Liability plus mobile and email fraud alert options
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • Rank: #8 Student Credit Cards, #14 Discover, #20 Credit Quality Fair

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
0.00%* 9 months on purchases* 13.99-20.99% (Variable)* $0.00* N/A* * Fair Credit*


Discover® Student Tropical Beach Card

Discover® Student Tropical Beach Card
  • 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 13.99% - 20.99%*
  • 5% Cashback Bonus®* in categories that change like gas, restaurants, department stores and more. Limitations apply*
  • Up to 20% Cashback Bonus at popular retailers when you shop online through ShopDiscover.com
  • Up to 1% unlimited Cashback Bonus on everything else you buy
  • $0 Fraud Liability plus mobile and email fraud alert options
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • Rank: #9 Student Credit Cards, #12 Discover, #22 Credit Quality Fair

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
0.00%* 9 months on purchases* 13.99-20.99% (Variable)* $0.00* N/A* * Fair Credit*


Discover® Mix Tape Student Card

Discover® Mix Tape Student Card
  • 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 13.99% - 20.99%*
  • 5% Cashback Bonus®* in categories that change like gas, restaurants, department stores and more. Limitations apply*
  • Up to 20% Cashback Bonus at popular retailers when you shop online through ShopDiscover.com
  • Up to 1% unlimited Cashback Bonus on everything else you buy
  • $0 Fraud Liability plus mobile and email fraud alert options
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • Rank: #10 Student Credit Cards, #11 Discover, #21 Credit Quality Fair

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
0.00%* 9 months on purchases* 13.99-20.99% (Variable)* $0.00* N/A* * Fair Credit*


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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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