Best Student Credit Cards

If you're a student without a credit card, it's a good time to think about getting one. Not only will a student card allow you to make cash-free purchases, but if you regularly pay your card off on time you can also begin to build a solid credit history. Even better, some cards offer cash back for purchases made with your credit card. We've reviewed the best student credit cards from our partners below. If you have more questions about credit cards and the various terms used, take a look at our Credit Card FAQs.

Updated 06-23-2017

Best Student Credit Cards Comparison Chart

Name & CardPurchase APRBalance Transfer APRFeaturesAnnual FeeOur Rating & Bottom Line
Our editors thoroughly research all the credit card offers we review, comparing interest rates, features, rewards programs, annual fees, late fees and other features. After weighing the information the editors give an overall star rating for each card. After our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers. Not all products from all issuers have been evaluated.
Discover it® for Students
0% for first 6 months, then 13.74% - 22.74% Variable10.99% for 6 months, then 13.74% - 22.74% Variable5% cash back on purchases within select categories up to the quarterly maximum (signup required); 1% on all other purchases$0
Our Rating:
Double your cash back at end of 1st year; 0% intro APR on purchases for 6 months
Discover it® chrome for Students
0% for first 6 months,
then 13.74% - 22.74% Variable
10.99% for 6 months, then 13.74% - 22.74% Variable2% cash back on up to $1,000 quarterly in combined purchases on restaurants & gas; 1% on all other purchases$0
Our Rating:
Double your cash back at end of 1st year; Cash back rewards without registering quarterly; 0% intro APR on purchases for 6 months
Journey® Student Rewards from Capital One®
20.74% (Variable)20.74% (Variable)1% cash back on all purchases$0
Our Rating:
Great choice for students, designed to help build good credit, cash back bonus for paying bill on time
Citi ThankYou® Preferred Card for College Students
0%* for 7 months on Purchases*, then 14.99% - 24.99%* (Variable)14.99% - 24.99%* (Variable)2 points per $1 spent at restaurants and on entertainment, 1 point per $1 for everything else$0*
Our Rating:
Card features 7-month 0% intro APR on purchases and ability to earn and redeem points for rewards or cash

Disclaimer: This content is not provided or commissioned by the credit card issuers. Opinions expressed here are author's alone, not those of the credit card issuers, and have not been reviewed, approved or otherwise endorsed by the credit card issuers. This site may be compensated through the affiliate program of the credit card issuers.

*See credit card application page for additional details.

About Us Blog Contact Us Forums Terms & Privacy Policy Affiliate Program Site Map
Copyright© 2006 - 2017 - All rights reserved.

Advertiser Disclosure: is a consumer information site that offers free, independent reviews and ratings of online services. We receive advertising revenue from most but not all of the companies whose products and services we review. For credit cards, we review cards from all of the top 10 US issuers by purchase volume (according to Issue 1035 of The Nilson Report, Feb 2014) excluding issuers that require additional accounts to be a cardholder and private label issuers. We may also review cards from other issuers in select cases. We do not review all products in a given category. We are independently owned and operated and all opinions expressed on this site are our own.