Student Credit Cards

Is credit new to you?

We’ve put together a guide that explains everything from how student loans can affect your credit score to using credit responsibly. It’s broken up into four sections.

Learn about student credit and cards first »

If you’re new to credit cards, this is the best place to start.

  1. Why Credit is Important for Students »

  2. How to Build Great Credit While Avoiding Credit Card Debt »

  3. What Are Student Credit Cards? »

  4. How Do Student Loans Work with my Credit? »

Best Student Credit Cards – Our Top 3 Picks

The cards on this page have been chosen from the widest possible selection of cards that we could find when the page was last updated on August 17, 2015. Although Credit Card Insider does receive compensation from some card issuers as advertisers, this does not in any way influence our choice of cards or the order that cards appear on the page. We have attempted to determine the best cards in this category, regardless of our advertising relationship with the issuers.

Learn more about how we rate credit and charge cards.

Here are our most recent picks for the best credit cards for students. For the full details about why these are our most recent picks, see this post: The Three Best Credit Cards for Young Adults and College Students.

Discover it® for Students

For People with
Fair Credit

  • Annual Fee: $0
  • Interest Rate: 12.99% – 21.99%* Variable
Quick Card Facts
  • Double all the cash back you've earned at the end of your first year automatically - only for new cardmembers*
  • 5% cash back in categories that change each quarter like gas, restaurants, Amazon.com and more-up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
  • Free FICO® Credit Score on statements, online & by mobile app.* 100% U.S.-based service any time. Text alerts when payment is due & a free mobile app to stay on top of your account.
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card
  • 0% intro APR* on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99%.
  • *See rates, rewards, free FICO® Credit Score terms & other info by clicking “Apply.”

BankAmericard Cash Rewards™ Credit Card for Students

For People with
No Credit

  • Annual Fee: $0
  • Interest Rate: 12.99%-22.99% (Variable)
Quick Card Facts
  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 1% cash back on every purchase, 2% at grocery stores and 3% on gas for the first $1,500 in combined grocery/gas purchases each quarter
  • No annual fee
  • 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, 12.99% – 22.99% Variable APR. 3% fee (min $10) applies to balance transfers.
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account
  • 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

Citi ThankYou® Preferred Card for College Students

For People with
Good Credit

  • Annual Fee: $0
  • Interest Rate: 13.99%, 18.99%, or 23.99% (Variable)
Quick Card Facts
  • 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 with this card
  • 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

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