Best Student Credit Cards

The Bank of America Cash Rewards™ Credit Card for Students (Review) is one of the most rewarding cards for students, with a 3% category you can customize to your liking each month.

This card is good for traveling abroad, because not only does it include travel as a potential 3% category, it also comes with chip-and-PIN capability, making it more useful at certain terminals and automated kiosks outside the U.S. You can easily set or change your PIN online. If you’ll be traveling to foreign countries it’s often a good idea to have a PIN card in your wallet.

• 3% cash back in your choice of one category every month:
  • Gas
  • Online shopping
  • Dining
  • Travel
  • Drugstores
  • Home improvement/furnishings stores
• 2% cash back at:
  • Grocery stores
  • Wholesale clubs
• 1% cash back for everything else
• Spending limit: 3% and 2% rewards only up to $2,500 per quarter, then 1%
• $200 cash rewards bonus for spending $1,000 in the first 90 days

With this flexible card you can adjust your bonus category each month to fit your expected spending. So if you’re going on a trip next month, for example, you could use the travel category to get 3% back on your airfare and hotel bookings, and even a car rental. Then, when the new month begins, you can switch your category to gas to help fuel your adventure.

• Bank of America Preferred Rewards: Eligible bank account holders get a 25%–75% bonus on rewards earned, depending on how much money is held in BofA bank accounts.
• Free credit score: Check your FICO Score 8 for free, based on your TransUnion credit report.
• Visa Platinum or Signature benefits: Depending on creditworthiness.
• Purchase and Balance Transfer APR: 0% for 12 months, then 16.24%–26.24% Variable
• Foreign transaction fees: 3%
  
• Annual fee: $0

• $200 cash rewards bonus for spending $1,000 in the first 90 days
• New Offer: Maximize your cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement /furnishings
• Now earn 3% cash back in your choice category and 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), and unlimited 1% on all other purchases
• You can update your choice category for future purchases once each calendar month using the Mobile banking app or Online banking, or do nothing and it stays the same.
• No changing categories and no expiration on rewards
• 0% Introductory APR for 12 billing cycles for purchases and for any balance transfers made in the first 60 days, then, 16.24%–26.24% Variable APR. 3% fee (min $10) applies to balance transfers.
• If you’re a Preferred Rewards client, you can increase that bonus to 25% – 75%. Click “Apply Now” to learn more about Preferred Rewards.
• Now with chip technology for enhanced security and protection at chip-enabled terminals
• No annual fee

If you make a variety of purchases throughout the year (and who doesn’t?) it’s useful to have a card with a variety of bonus categories.

That’s what you’ll get from the Discover it® Student Cash Back (Review), which is probably the most rewarding student card available. Its 5% cash back categories (activation required) rotate throughout the year, covering some pretty common student purchases. If you want a simple but rewarding card with excellent customer support, this could be the one for you.

The 5% rate is limited to $1,500 in spending per quarter; after that you’ll earn 1% back.

The Discover it Student is just as rewarding as the non-student version, the Discover it® Cash Back (Review), although some of the other terms are different.

• 5% cash back on the first $1,500 spent per quarter (then 1%), in categories that rotate throughout the year (activation required)
• 1% cash back on all other purchases
• Cashback Match: New cardmembers get double the cash back earned in the first year (awarded at the end of the first year)

Discover’s Cashback Match means you’ll be earning a cash back equivalent of 10% in the bonus categories for the first year, and 2% for everything else. Those are excellent rates, even for non-student cards.

You’ll be limited to $1,500 per quarter for the bonus categories, but that shouldn’t be much of a problem for the average student. Are you going to spend more than $500 per month on groceries, gas, or dining out? Probably not.

Although statement credits are usually the best redemption option for cash back cards, when it comes to Discover you’ll actually get the best value from gift cards. You’ll get at least $5 added to each gift card redemption — a nice feature, but only useful if you’ll be able to utilize those gift cards.

• Good Grades Award: A $20 statement credit for each year in which your GPA is 3.0 or higher, for up to five years
• Free credit score: Track your FICO Score 8 over time, based on your TransUnion credit report.
• Social Security number alerts: Get notified if your SSN is found on any thousands of risky websites.
• Purchase APR: See Terms for See Terms, then See Terms
• Balance Transfer APR: See Terms for See Terms, then See Terms
• No foreign transaction fee
• Annual fee: $0

Gas and dining are pretty popular categories on student cards, but the the Discover it® Student chrome (Review) provides the best consistent rewards for those purchases.

You won’t be earning a ton of cash back with this card, which is fairly typical for student cards. But in your first year you’ll get very competitive rates for gas and dining, equal to some of the best non-student cash back cards.

• 2% cash back on the first $1,000 spent per quarter (then 1%), at:
  • Gas stations
  • Restaurants
• 1% cash back on all other purchases
• Cashback Match: New cardmembers get double the cash back earned in the first year (awarded at the end of the first year)

So this card is great in the first year, providing a 4% cash back equivalent on gas and dining, and 2% back for everything else. After that it drops to a more tame rewards program.

You’re limited to $1,000 in spending per quarter in the bonus categories, which means you can earn a maximum of $40 cash back per quarter at the 4% rate in the first year. After the first year you can earn up to $20 cash back per quarter at the 2% rate.

You could earn more than that in a given quarter with the runners up below, but the Discover it Chrome for Students is the only option to offer both of these categories year-round. The Bank of America Cash Rewards for Students has a 3% category, and you could choose gas or dining for that, but only one at a time. And the Discover it Student will offer 5% back for gas, but only for one quarter out the year.

Like the Discover it Student card, the most valuable redemption method here is for gift cards, which will get at least $5 added to their value. But this option isn’t as useful if you can’t use those gift cards for purchases you were already going to make.

• Good Grades Reward: A $20 statement credit for each year that your GPA is 3.0 or higher, for up to five years
• Free credit score: Track your FICO Score 8 over time, based on your TransUnion credit report.
• Social Security number alerts: Get notified if your SSN is found on any thousands of risky websites.
• Purchase APR: See Terms for See Terms, then See Terms
• Balance Transfer APR: See Terms for See Terms, then See Terms
• No foreign transaction fee
• Annual fee: $0

Flat-rate credit cards provide the same rate for every purchase, making them excellent choices to fill in the gaps between the bonus categories of other cards.

You might have cards with good bonus categories for groceries and gas, but what about those random Walmart and corner store purchases? That’s where flat-rate cards come in handy.

The Journey® Student Rewards from Capital One® (Review) is the best flat-rate card for students. As long as you pay on time (and why wouldn’t you?), you’ll be earning almost as much cash back as the typical non-student flat-rate card, like the Chase Freedom Unlimited® (Review) which provides 1.5% back.

The Journey Student may also provide a higher credit line after your first six months. That extra spending capacity should be very useful on a student card, which usually comes with a fairly low credit limit.

Anyone can apply for the Journey Student Rewards card — it isn’t limited to students, despite the name.

• 1% cash back on every purchase
  • 1.25% cash back when you pay on time

• Access a higher credit line: You may be automatically considered for a higher credit line after six months.
• CreditWise: Monitor your VantageScore 3.0 based on your TransUnion credit report with Capital One’s CreditWise tool (available online or through a mobile app).
• Shopping and travel protections: Including Extended Warranties, Travel and Emergency Assistance, Auto Rental Collision Damage Waivers, and more
• No foreign transaction fees
• Annual fee: $0

With no fees at all aside from potential interest charges, the Petal® Visa® Credit Card is a great first credit card.

Most card issuers will check your credit history when you apply — but what if you don’t have any credit history yet, and no credit scores? The Petal card might be for you.

If you have no established credit, Petal will ask to connect to your bank account to check your financial situation, as a way to judge your riskiness as a borrower. This gives you another avenue for approval if you don’t have any credit. If you do have some credit built up, Petal will likely run a hard inquiry to check it, like most issuers do.

• Petal Offers: Get up to 10% back with select merchants, with no activation necessary.
• Visa Local Offers: Earn Uber Cash when making purchases at select merchants by adding your Petal card to the Uber app.
• Free credit score: Check your VantageScore 3.0 credit score from your Experian credit report, whenever you’d like.
• Purchase APR: 12.99% to 29.49% Variable
• Credit limit: $500–$10,000
• No foreign transaction fee
• Annual fee: None

• No fees whatsoever. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee
• Up to 1.5% cash back after making 12 on-time monthly payments
• Variable APRs 12.99% to 29.49%
• 1% cash back on eligible purchases right away
• Up to 10% cash back from select merchants
• Build credit alongside tens of thousands of Petal Card members
• Cash flow technology may help applicants without credit history get approved
• $500 – $10,000 credit limits
• Petal’s mobile app makes it easy to manage your money, track your spending, and automate payments
• See if you’re pre-approved within minutes without impacting your credit score
• Petal reports to all 3 major credit bureaus
• No deposits required
• Card issued by WebBank, Member FDIC

The Deserve Edu Mastercard (Review) is good for international students because it doesn’t require a Social Security number to apply. Deserve will also check more than the usual credit history factors when you apply, like your education and future employability, giving you a better chance of approval than most cards.

So, if you’re arriving in the U.S. to study and you don’t have an SSN this may be one of the few cards available to you. International students will need to provide proof of a U.S. bank account and copies of their student visas, passport IDs, and school documents.

Take note that Deserve will need to connect to your bank account to verify your balance. If you have privacy or security concerns this might worry you, but it seems reasonable because Deserve bases its decision on more than the typical credit approval factors.

• 1% cash back for every purchase
• One year of Amazon Prime Student for spending $500 in the first 3 billing cycles
• 12-month Priority Pass Select membership for spending $1,000 in 120 or 155 days (offer available to select applicants and cardholders only)
  • Lounge visits cost $27 per person

• Lemonade Insurance rebate: A $10 statement credit after making three consecutive payments for Lemonade Renters and Home Insurance
• Feather furniture rental rebate: A $100 statement credit for your first month’s payment to Feather, when using code “DESERVE100”
• Shopping and Travel protections: Including Cell Phone Insurance up to $600, Auto Rental Collision Damage Waivers, Price Protection, and more
• No foreign transaction fees
• Annual fee: $0

• Receive one year of Amazon Prime Student on Deserve after spending $500 in the first three billing cycles with your EDU card (Lifetime Value of $59).
• Earn 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you’ll automatically start earning cash back on all purchases.
• Feel secure with cell phone protection up to $600.
• No deposit required. No annual fees.
• No international transaction fees on purchases abroad so you can travel with confidence.
• No Social Security Number required for international students to apply.
• Refer A Friend Program: Refer anyone to Deserve using your personal referral code. Upon approval, card activation and use, you’ll receive $30 and so will your referral. Referral bonuses are unlimited!
• Manage and track your spending, set automatic payments and securely freeze your card all through one easy to use app.
• See if you prequalify with no impact to your credit score in minutes.
• Deserve Mastercards are issued by Celtic Bank, Member FDIC.
• Enjoy Mastercard Platinum Benefits intended to make your life easier like Mastercard ID Theft Prevention(TM) and Master Rental(R).

You’ll probably have trouble getting approved for any credit card — even secured cards — if you’re working with little to no income. If you’re under 21, issuers are required by law to consider whether you can make your monthly payments before they issue you a card. With that said, if you’re going to be approved for any credit card with minimal income, it’s likely going to be secured.

The Citi Secured Card is a good option because it doesn’t require a bank account, which you may not have (or want to use), in order to apply. However, if you’re not using a bank account, you must apply and provide your deposit in person at a Citibank branch.

It’s a no-frills secured card, requiring a security deposit of at least $200. You’ll get a few basic benefits, like a free FICO score and purchase protection.

The Citi Secured Card requires a security deposit of $200 to $2,500. Your credit limit will be equal to your deposit.

With consistent responsible use, your security deposit may be returned, and you could be upgraded to the unsecured Citi® Diamond Preferred® Card (Review). But you’ll probably have to have some kind of income for that to happen.

• No bank account needed: Apply at a Citibank location if you don’t have a checking or savings account.
• Flexible due dates: Choose the payment due date that works for you — pick from the beginning, middle, or end of the month.
• Upgrade path: Use this card responsibly, and Citi may return your deposit and upgrade you to the Citi Diamond Preferred.
• Free FICO score: Access your FICO Bankcard Score 8, based on your Equifax credit report, to monitor your credit situation.
• Purchase and Balance Transfer APR: 22.49% (Variable)
• Annual fee: $0

• The Citi^® Secured Mastercard^® is a no annual fee credit card that helps you build your credit when used responsibly.
• Unlike a debit card, it helps build your credit history with monthly reporting to all 3 major credit bureaus. Once available, you will also have free access to your FICO score online.
• Use your card anywhere Mastercard^® is accepted — worldwide.
• A security deposit is required. Once approved, your credit limit will be equal to your security deposit (minimum of $200).
• Get help staying on track with Auto Pay and account alerts.
• With Flexible Payment Due Dates, you can choose any available due date in the beginning, middle or end of the month.
• Manage your account 24/7 online, by phone, or in our mobile app.
• The standard variable APR for Citi Flex Plan is 22.49%. Citi Flex Plan offers are made available at Citi’s discretion.