Best Student Credit Cards
Best Student Credit Cards
Choosing a student credit card can be a daunting task. There are many options, each with their own perks and drawbacks. To help ease your decision-making process, we’ve compiled a comprehensive list of the best student credit cards available. This guide will cover everything from rewards to fees, so you can make an informed choice.
Discover it® Student Cash Back
The Discover it® Student Cash Back card is a popular choice among students. It offers 5% cash back on rotating categories each quarter, up to the quarterly maximum when you activate. Additionally, it provides 1% cash back on all other purchases.
- Annual Fee: None
- Intro APR: 0% for 6 months on purchases
- Regular APR: 12.99% – 21.99% variable
- Rewards: 5% cash back on quarterly rotating categories, 1% on other purchases
- Additional Perks: Cashback match at the end of your first year
Bank of America® Travel Rewards Credit Card for Students
This card is ideal for students who love to travel. It offers unlimited 1.5 points per dollar spent on all purchases. Points can be redeemed for travel expenses such as flights, hotels, and more.
- Annual Fee: None
- Intro APR: 0% for 12 billing cycles on purchases
- Regular APR: 14.99% – 22.99% variable
- Rewards: 1.5 points per dollar on all purchases
- Additional Perks: No foreign transaction fees
Citi Rewards+℠ Student Card
The Citi Rewards+℠ Student Card is known for rounding up to the nearest 10 points on every purchase. Additionally, it offers 2x points at supermarkets and gas stations for the first $6,000 per year, then 1x points on all other purchases.
- Annual Fee: None
- Intro APR: 0% for 7 months on purchases
- Regular APR: 14.49% – 24.49% variable
- Rewards: 2x points at supermarkets and gas stations (up to $6,000/year), 1x points on other purchases, points rounded up to nearest 10
- Additional Perks: 10% points back for the first 100,000 points redeemed each year
Journey® Student Rewards from Capital One®
This card is great for students aiming to build credit while earning rewards. It offers 1% cash back on all purchases plus a 0.25% bonus for each month you pay on time, effectively making it 1.25% cash back if used responsibly.
- Annual Fee: None
- Intro APR: None
- Regular APR: 26.99% variable
- Rewards: 1% cash back on all purchases, 1.25% if you pay on time
- Additional Perks: Credit limit increase opportunities in as little as 6 months
Deserve® EDU Mastercard for Students
The Deserve® EDU Mastercard is perfect for those without a credit history or a Social Security number. It offers 1% cash back on all purchases and waives the foreign transaction fees, a unique feature for students studying abroad.
- Annual Fee: None
- Intro APR: None
- Regular APR: 18.74% variable
- Rewards: 1% cash back on all purchases
- Additional Perks: Amazon Prime Student 1-year membership upon spending $500 in first three billing cycles
Petal® 2 Cash Back, No Fees Visa® Credit Card
The Petal 2 Visa offers a straightforward rewards structure. It provides 1% cash back on all purchases, which increases to 1.5% cash back after making 12 on-time monthly payments. There are no fees whatsoever.
- Annual Fee: None
- Intro APR: None
- Regular APR: 12.99% – 26.99% variable
- Rewards: 1% cash back on all purchases, up to 1.5% cash back with 12 on-time payments
- Additional Perks: No fees (including late and foreign transaction fees)
State Farm® Student Visa® Card
The State Farm® Student Visa® Card is tailor-made for students and State Farm customers. It offers insurance-related discounts and rewards, especially beneficial for those already holding a policy.
- Annual Fee: None
- Intro APR: 0% for 6 months on purchases
- Regular APR: 11.99% – 18.99% variable
- Rewards: 3 points per dollar on insurance premium payments, 1 point on all other purchases
- Additional Perks: Insurance-related rewards and discounts