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Best Student Credit Card Applications

Our Featured Card
JourneySM Student Rewards from Capital One®
Click to see Credit Card details
  • Purchase APR:19.8% (V)
  • Annual Fees:$0
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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 , #3 Discover ...
Credit Needed:   Fair
  • 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.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
  • Human. Talk to a real person any time with 100% U.S.-based service.
  • Safe. Because you're never responsible for unauthorized purchases with our $0 Fraud Liability Guarantee.
  • Experience our cash rewards with $20 Cashback Bonus® when you make your first purchase within 3 months of approval.*
  • *Click "Apply" to see rates, rewards and other information.
 
CCA In-House Review & more info
JourneySM Student Rewards from Capital One®
Journey<sup>SM</sup> Student Rewards from Capital One®

see credit card application
Intro Purchase Apr Regular Apr Ann.Fee
N/A 19.8% (V) $0
Type: Gas Cards, Cash Back, Stu ...
Rank: #2 Student , #4 No Credi ...
Credit Needed:   Average*
  • Earn 1% cash back on every purchase, every month—and pay no annual fee
  • For every month you pay on time, you receive a 25% bonus—that's a total of 1.25% cash back
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Brighten your financial future with responsible credit use—and get rewarded along the way
  • Fraud coverage if your card is lost or stolen
  • There's no limit to the amount of cash back you can earn, and rewards don't expire
  • Pick the monthly payment due date that works best for you
  • Get free access to a credit score, credit report, and credit tips using Credit Tracker
 
CCA In-House Review & more info
Upromise World MasterCard®
Upromise World MasterCard®

see credit card application
Intro Purchase Apr Regular Apr Ann.Fee
0% 12.99%-20.99% (Variable) $0
Type: Student
Rank:
Credit Needed:   Good
  • You can earn 10% or more cash back on eligible online purchases through Upromise
  • Start with a $50 cash back bonus after first use
  • Earn 4% cash back at thousands of participating Upromise dining restaurants
  • Earn 3% cash back on eligible gas purchases at Exxon or Mobil locations
  • Earn 2% cash back on eligible movie theater locations
  • Earn 1% cash back on all other purchases
  • No annual fee
 
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: #4 Student , #4 Discover ...
Credit Needed:   Fair
  • 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.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
  • Human. Talk to a real person any time with 100% U.S.-based service.
  • Safe. Because you're never responsible for unauthorized purchases with our $0 Fraud Liability Guarantee.
  • 0% intro APR* on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99%.
  • *Click "Apply" to see rates, rewards and other information.
 
CCA In-House Review & more info
Citi® Dividend® Card for College Students
Citi® Dividend® Card for College Students

see credit card application
Intro Purchase Apr Regular Apr Ann.Fee
0%* 13.99%-23.99%* (Variable) $0*
Type: Cash Back, Student, Credi ...
Rank: #5 Student , #9 Citi , # ...
Credit Needed:   Good
  • Build credit while earning cash back fast
  • Earn 5% cash back every quarter in must-have categories like department stores, travel and more, enrollment each quarter is quick and easy.
  • Earn 1% cash back on all other purchases
  • The total cash back earned with the card is $300 per calendar year. See Citi Dividend Card Reward Program Information.
  • Choose your payment due date
  • Manage your account online, on your tablet or on your Smartphone
  • No Annual Fee
  • Click Apply Now for pricing details
 
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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