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Best 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 below of the best student credit cards we've reviewed to find the right card for you or your student.

Updated 12-11-2017

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 13.99% - 22.99% Variable10.99% for 6 months, then 13.99% - 22.99% 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 13.99% - 22.99% Variable
10.99% for 6 months, then 13.99% - 22.99% 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®
24.99% (Variable)24.99% (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 15.49% - 25.49%* (Variable)15.49% - 25.49%* (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.


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