Student Credit Cards

If you’re in college and starting your financial life, a good student credit card can give you a head start in building your credit. If you pay your bills on time and borrow responsibly, the positive credit history you build now will pay off when it’s time to buy a new car, finance your first home or apply for a more exclusive credit card.
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Student Credit Cards (6)

Citi ThankYou Preferred Card for College Students

  • Earn 2,500 bonus points after spending $500 in purchases within the first 3 months of account opening*
  • 2,500 ThankYou? Points are redeemable for $25 in gift cards, electronics and other great rewards when redeemed at thankyou.com
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • No expiration and no limit to the amount of points you can earn with this card
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*

Discover it® for Students

  • New! Free Social Security Number alerts, we%u2019ll monitor thousands of risky websites when you sign up.*
  • Get a dollar-for-dollar match of all the cash back you%u2019ve earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like Amazon.com, restaurants, ground transportation and more, up to the quarterly maximum each time you activate.
  • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & your FICO® Credit Score for free on monthly statements, on mobile and online.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.99% - 22.99%.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

Discover it® chrome for Students

  • New! Free Social Security Number alerts, we%u2019ll monitor thousands of risky websites when you sign up.*
  • Get a dollar-for-dollar match of all the cash back you%u2019ve earned at the end of your first year, automatically.
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter - no sign-ups needed. 1% cash back on all your other purchases.
  • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & your FICO® Credit Score for free on monthly statements, on mobile and online.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.99% - 22.99%.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

Journey Student Rewards from Capital One

  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • There's no limit to the amount of cash back you can earn, and rewards won't expire for the life of the account
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Pay no annual or foreign transaction fees
  • Fraud coverage if your card is lost or stolen
  • Pick the monthly due date that works best for you

SelfScore Achieve for Students

  • Build U.S. credit history with no-cosigner or deposit required
  • No SSN required for international students
  • 1% cash back on all purchases
  • 0% intro APR for 6 months and then 19.74% variable APR thereafter
  • Credit limit up to $5000
  • No annual fee. No fee on first late payment
  • No foreign transaction fees
  • Includes MasterCard Platinum Benefits like Price Protection, Travel Assistance, Extended Warranty and Car Rental Collision Damage Waiver

Student Visa Credit Card

  • Earn 1 State Farm Loyalty Rewards point for every $2 spent on eligible purchases.
  • Earn 3 points for every $1 spent on insurance premium payments, up to $4,000 annually.
  • Competitive annual percentage rates.

What is a student credit card?

Student credit cards are primarily marketed to school users who do not have a credit card of their own name. They can be a good way to solve the problem of "no credit history and no credit card".

Student credit cards allow you to borrow a certain amount of money each month. You can then choose to pay off the balance in full over a period of time (interest expense) or at the end of each billing period.

Student credit cards can help you get rewards and, in some cases, short-term interest-free financing. More importantly, the student credit card is the first step in establishing a good credit history, which is essential for getting a preferential interest rate on future loans, renting your own apartment and getting low insurance premiums. Some credit card issuers even offer special rewards to student cardholders who have achieved outstanding results in school.


What are the benefits of student credit cards?

Low credit requirement

Students often do not have a credit score or have no particularly good credits. As a result, student credit cards often have lower credit requirements.

Building credit

Student credit cards are a great choice for those who want to build a credit score. After all, their use of student credit cards will be recorded in their credit history, providing future lenders with a reason to be confident in their abilities and their willingness to meet their debt obligations.

Rewards program

Rewards and bonuses offered on student cards may be smaller than other regular cards, but it still can give them a number of rewards back for using them.

Reasonable introductory rates and fees

Lots of credit cards for students offer 0% introductory rate on purchases and balance transfer for a period time. After the introductory period, the regular APR will be variable.

Annual fees

There is no annual fee on some student credit cards, which is great for students who want to minimize the cost of credit card use as much as possible.

Foreign transaction fees

Some student credit cards don’t charge any foreign transaction fees, are suitable for students who have plan to travel or study aboard.


What do you need to apply a student credit card?

To be eligible for a student credit card, you have to fulfill a few basic requirements.

You must be a college student.

On the application you’ll see a space to list your school’s information. The credit card issuer may investigate the accuracy of your information, so don’t lie.

You must be at least 18 years old.

Age is another important factor. You must be at least 18 years old, because minors cannot sign a legally binding agreement.

You must be a sole account owner.

If you want to apply a student credit card, you need to have or earn enough money to support yourself. This is the law.

The federal Credit CARD Act of 2009 illuminates that “any credit card applicant under 21 years of age must demonstrate his or her independent ability to make payments on the account or have a co-signer who is 21 or older with the ability to make payments.”

Therefore, find a job, whatever a summer job or part-time job, anything like, but it can’t be student loans, grants or scholarship money, though.                

How to use a student credit card?

Start to borrow money

If you don't start to borrow money, you can never start to build your credit history. You have to prove to lenders that you can borrow small amounts so you can eventually borrow large amounts.

Know your limits and do not spend more than you have

If you try to charge something that exceeds your credit limit, you may be rejected, which is embarrassing. To make matters worse, if the transaction is completed, you may receive an over-limit fee and an APR rate hike.

It’s a good way to write down your income and list your expenses monthly. Freeman suggests that it is easy to do that if you can create pay-as-you-go mentality when you use your credit card.

Pay your bill on time

It’s important to pay in full on time, because payment history plays a big part in your credit scores. You can use mobile banking to track your purchases and also sign up for reminders to let you know when your payment expires.

Upgrade opportunities

Check if the issuer allows the student cardholder to upgrade to a "regular" card when they are ready.                

About credits-life

About three-quarters of Americans have at least one credit card,In fact, the average person has 3.4 cards. But whether you have a wallet full of plastic or have never charged a purchase in your life, you should know how to apply for a credit card the right way when the time comes. getting approved for a credit card requires proactive planning that should start long before you apply. That's why credits-life born, we aim to help you to find the right credit card, and then successfully apply a credit card.

How To Apply For A Credit Card

Credit card applications are straightforward, but you'll need to meet some minimum financial requirements to get approved for the best credit card offers. Learn how to apply for a credit online and what to expect after you click submit.

  • Knowing your credit score and what's on your credit report can help you determine what products to apply for. If you have fair credit, for example, you may not want to apply for a card that clearly states that only applicants with excellent credit will be approved.
  • If you don't have good credit, you may find it difficult to get approved for a card with a large sign-up bonus and a lucrative reward structure. Each credit card application ends up on your credit report, so the Nerds recommend using our credit cards comparison tool to find a card that fits your credit profile before applying.
  • If the card allows balance transfers, you may request to have balances transferred from other credit card accounts to the new card.
  • To apply for a credit card in the US, you’ll need a valid Social Security number and a positive credit history. The best rewards credit cards may require at least three to five years of good credit history, and some more than seven.

Popular Credit Card