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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.

Student Credit Cards List

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 Credit Card

  • 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 Credit Card

  • 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 Credit Card 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 Card

  • 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.

Rewards Credit Cards

MLB™ BankAmericard Cash Rewards™ Mastercard®

  • $150 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • All 30 team cards are available, customized with your favorite team's colors and logo

Capital One® QuicksilverOne® Cash Rewards Credit Card

  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your QuicksilverOne card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018

Capital One® Venture® Rewards Credit Card

  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $400 in travel
  • Earn unlimited 2X miles per dollar on every purchase, every day

Bank of America® Travel Rewards Credit Card

  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days — that can be a $200 statement credit toward travel purchases

Southwest Rapid Rewards® Premier Credit Card

  • Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open
  • 6,000 bonus points after your Cardmember anniversary

1、 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.

2、 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.

3、 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.

4、 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.

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Student Credit Cards Tips

  1. If you want to know your Student Credit Cards payment details, like your credit card balance. Please contact the Student Credit Cards customer service or get a Student Credit Cards application.
  2. In order to manage your Student Credit Cards payment online, you need to log in to the Student Credit Cards official website.
  3. About Student Credit Cards login and how to apply for a Student Credit Cards, you need to go to the official website.
  4. Getting a Student Credit Cards application will be a lot of convenience, contact the Student Credit Cards customer service or go to the Student Credit Cards official website to know more details.
  5. Want to know some products discounts or rewards programs? Make sure your Student Credit Cards phone numbers is correct, there will be text alerts.

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