Student Credit Cards

College is the perfect time for young adults to start building credit, as a good credit history will help them get an apartment, set up a utilities account and more in their post-college life. Student credit cards are a great way to do it because these cards are designed for students, which means you don't need to have a credit history to apply, and with responsible use of the card, a student can start to build a solid credit history. Parents will also be relieved to know that their young adult has a way to fund an emergency. Even better, some student credit cards we review offer cash back for purchases made with the card and most cards we review also offer 0% intro APR periods, so students can ease into credit. See our list of student credit cards below to find the right card for you or your student.

Updated 04-18-2019

Student Credit Cards Comparison Chart

Name & CardPurchase APRBalance Transfer APRFeaturesAnnual FeeBottom 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 our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The reviews 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® Student Cash Back
0% for first 6 months, then 15.24% - 24.24% Variable10.99% for 6 months, then 15.24% - 24.24% Variable5% cash back on purchases within select categories up to the quarterly maximum (signup required); 1% on all other purchases$0 Double your cash back at end of 1st year; 0% intro APR on purchases for 6 months
Citi Rewards+ Student Card
0% intro APR on Purchases for 7 months, then 16.74% - 26.74% (Variable)16.74% - 26.74% (Variable)Earn 2,500 bonus points after spending $500 on purchases in the first 3 months of account opening. Plus, pay 0% intro APR on purchases for 7 months and earn 2X points at supermarkets and gas stations, and 1X point on all other purchases.$0 2,500-point bonus opportunity; 0% intro APR on Purchases for 7 months; Earn 2X points at Supermarkets and Gas Stations. Plus, earn 1X Points on All Other Purchases.
Discover it® Student chrome
0% for first 6 months, then 15.24% - 24.24% Variable10.99% for 6 months, then 15.24% - 24.24% Variable2% cash back on up to $1,000 quarterly in combined purchases at gas stations and restaurants; 1% on all other purchases$0 Your cash back is matched at end of your first year; Earn cash back rewards without registering quarterly; 0% intro APR on purchases for 6 months
Journey® Student Rewards from Capital One®
26.96% (Variable)26.96% (Variable)1% cash back on all purchases$0 Great choice for students, designed to help build good credit, cash back bonus for paying bill on time

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.

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