Student Credit Cards

A student credit card can help you establish a payment history that will be vital in getting credit down the line. Build your credit history now so that when it comes time to rent an apartment, get an auto loan or apply for your own credit card, you’ll see lower APRs and better rewards. Like regular credit cards, you can find college student credit cards with low interest rates and cards that give rewards on typical purchases like dining out, books or entertainment. Use the filters below to find the best credit card (some of which are from our partners) for your lifestyle, or check out NerdWallet's picks for the best student credit cards..

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Showing 1 - 10 of 13  Results
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Credit Card Annual Fee Rewards Rate Sign Up Bonus *Annual Rewards dollarsign
Citibank ThankYou Preferred Card for College Students Credit Card

Citi ThankYou® Preferred Card for College Students

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Show Details
$0 1.00% Earn 2,500 bonus ThankYou® ...question $133
Apply Now

on Citibank's
secure website

thumbsupPros
  • No annual fee
Rewards Over 2 Years
TotalPer Year
Sign up bonus ^$25$13
Rewards from spending ^$240 $120
Annual fee($0)($0)
Annual rewards
dollarsign
$265 $133
^ based on NerdWallet's estimated value of Citi ThankYou Points
Account Details

  • Earn 2,500 bonus ThankYou® Points after spending $500 within the first 3 months of cardmembership.
  • 2 ThankYou® Points per dollar spent on purchases for dining at restaurants and entertainment.
  • 1 ThankYou® Point on other purchases.
  • Points do not expire and earn unlimited Thank You Points
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*

See complete Citi ThankYou® Preferred Card for College Students details

Discover It for Students - $20 Cash Back Credit Card

Discover it® for Students with $20 Cashback Bonus

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Show Details
$0 1.00%* question Generous. 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 after you sign up. And 1% cash back on all other purchases.* $130
Apply Now

on Discover's
secure website

thumbsupPros
  • Bonus cash back categories
  • No annual fee
  • See Terms on balance transfers
  • No foreign transaction fee
Rewards Over 2 Years
TotalPer Year
Sign up bonus $20$10
Rewards from spending $240 $120
Annual fee($0)($0)
Annual rewards
dollarsign
$260 $130
Account Details

  • Experience our cash rewards with $20 Cashback Bonus® after you make your first purchase within 3 months of approval.*
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 after you sign up*. 1% cash back on all other purchases.
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on your first late payment. And paying late won't increase your APR.*
  • Free FICO® Credit Score online and on monthly statements.*
  • Talk to a real person any time with 100% U.S.-based service.
  • Looks out for you-since each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.*
  • *Click "Apply Now" to see rates, rewards, free FICO® Credit Score terms and other information.

See complete Discover it® for Students with $20 Cashback Bonus details

Discover it chrome for Students Credit Card

Discover it® chrome for Students

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Show Details
$0 1.00%* question No annual fee. No overlimit fee. No foreign transaction fee. No late fee on your first late payment. And paying late won't increase your APR.* $128
Apply Now

on Discover's
secure website

thumbsupPros
  • Qualify with average credit
  • Bonus cash back categories
  • No annual fee
  • 0% on purchases for 6 months and See Terms on balance transfers
  • No foreign transaction fee
Rewards Over 2 Years
TotalPer Year
Sign up bonus $0$0
Rewards from spending $255 $128
Annual fee($0)($0)
Annual rewards
dollarsign
$255 $128
Account Details

  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on your first late payment. And paying late won't increase your APR.*
  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter—no sign-ups needed*. 1% cash back on all your other purchases.
  • 0% intro APR on purchases for 6 months—then a variable purchase APR applies, currently 12.99% - 21.99%.
  • APR won't go up if you pay late.*
  • Free FICO® Credit Score online and on your monthly statement so you can track your score's progress*.
  • Free text alerts can remind you when your payment is due. And free mobile app helps you stay on top of your account.
  • 100% U.S. based customer service - anytime, day and night.
  • *Click "Apply" to see rates, rewards and other information.

See complete Discover it® chrome for Students details

Discover It for Students Credit Card

Discover it® for Students

starstarstarstar
Show Details
$0 1.00%* question Generous. 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 after you sign up*. And 1% cash back on all other purchases.* $120
Apply Now

on Discover's
secure website

thumbsupPros
  • Bonus cash back categories
  • No annual fee
  • No foreign transaction fee
Rewards Over 2 Years
TotalPer Year
Sign up bonus $0$0
Rewards from spending $240 $120
Annual fee($0)($0)
Annual rewards
dollarsign
$240 $120
Account Details

  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on your first late payment. And paying late won't increase your APR.*
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 after you sign up*. 1% cash back on all other purchases.
  • Free FICO® Credit Score online and on monthly statements.*
  • Looks out for you-since each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.*
  • 0% intro APR* on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99%.
  • Free text alerts can remind you when your payment is due. And free mobile app helps you stay on top of your account.
  • *Click "Apply Now" to see rates, rewards, free FICO® Credit Score terms and other information.

See complete Discover it® for Students details

Capital One Journey Student Rewards Credit Card

JourneySM Student Rewards from Capital One®

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Show Details
$0 1.25%* question Get 1% cash back on all purchase...question $120
Apply Now

on Capital One's
secure website

thumbsupPros
  • Qualify with average credit
  • High rewards rate
  • No annual fee
  • No foreign transaction fee
thumbsdownCons
  • High APR
Rewards Over 2 Years
TotalPer Year
Sign up bonus $0$0
Rewards from spending $240 $120
Annual fee($0)($0)
Annual rewards
dollarsign
$240 $120
Account Details

  • Earn 1% cash back on every purchase, every month—and pay no annual fee
  • For every month you pay on time, you receive a 25% bonus—that's a total of 1.25% cash back
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Brighten your financial future with responsible credit use—and get rewarded along the way
  • Fraud coverage if your card is lost or stolen
  • There's no limit to the amount of cash back you can earn, and rewards don't expire
  • Pick the monthly payment due date that works best for you

See complete JourneySM Student Rewards from Capital One® details

East West Bank College Rewards Credit Card

East West Bank College Rewards

starstarstarhalfstar
Show Details
$0 1.00% 1,000 Elan Points Bonus $101
Apply Now

on East West Bank's
secure website

thumbsupPros
  • Qualify with average credit
  • No annual fee
Rewards Over 2 Years
TotalPer Year
Sign up bonus ^$10$5
Rewards from spending ^$192 $96
Annual fee($0)($0)
Annual rewards
dollarsign
$202 $101
^ based on NerdWallet's estimated value of Elan Points
Account Details

  • 1 point per $1 spent on purchases

See complete East West Bank College Rewards details

Comerica Bank College Rewards Credit Card

Comerica College Rewards

starstarstar
Show Details
$0 1.00% $10 Cash Bonus $101
Apply Now

on Comerica Bank's
secure website

thumbsupPros
  • Qualify with limited / bad credit
  • No annual fee
Rewards Over 2 Years
TotalPer Year
Sign up bonus $10$5
Rewards from spending $192 $96
Annual fee($0)($0)
Annual rewards
dollarsign
$202 $101
Account Details

  • 1% on purchases

See complete Comerica College Rewards details

KeyBank College Rewards Credit Card

KeyBank College Rewards

starstarstar
Show Details
$0 1.00% 1,000 KeyBank Points Bonus - aft...question $101
Apply Now

on KeyBank's
secure website

thumbsupPros
  • Qualify with limited / bad credit
  • No annual fee
Rewards Over 2 Years
TotalPer Year
Sign up bonus ^$10$5
Rewards from spending ^$192 $96
Annual fee($0)($0)
Annual rewards
dollarsign
$202 $101
^ based on NerdWallet's estimated value of KeyBank Points
Account Details

  • 1 point per $1 spent on purchases

See complete KeyBank College Rewards details

Bremer Bank College Rewards Credit Card

Bremer Bank College Rewards

starstarstarhalfstar
Show Details
$0 1.00% 1,000 Elan Points Bonus $101
Apply Now

on Bremer Bank's
secure website

thumbsupPros
  • Qualify with average credit
  • No annual fee
Rewards Over 2 Years
TotalPer Year
Sign up bonus ^$10$5
Rewards from spending ^$192 $96
Annual fee($0)($0)
Annual rewards
dollarsign
$202 $101
^ based on NerdWallet's estimated value of Elan Points
Account Details

  • 1 point per $1 spent on purchases

See complete Bremer Bank College Rewards details

Wells Fargo Cash Back College Visa Card Credit Card

Wells Fargo Cash Back College Visa Card

starstarstarhalfstar
Show Details
$0 1.00% None $96
Apply Now

on Wells Fargo's
secure website

thumbsupPros
  • No annual fee
  • 5.9% for 6 mos on transfers
Rewards Over 2 Years
TotalPer Year
Sign up bonus $0$0
Rewards from spending $192 $96
Annual fee($0)($0)
Annual rewards
dollarsign
$192 $96
Account Details

  • Earn 1% on purchases
  • Credit card purchases earn 1% cash back, Check card purchases earn 0.25%

See complete Wells Fargo Cash Back College Visa Card details

* These values are NerdWallet's estimates and do not represent content provided by or commissioned by credit card providers.
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  1. [2013-07-02 15:42:33] - NerdWallet says: Hi Adi, If you're a recent immigrant, you might be best off with the Capital One Newcomers card. It's meant for people who just moved to the US, and even though it requires a security deposit, it has no annual fee and you probably won't need a co-signer. Here's our review of the card: http://www.nerdwallet.com/blog/credit-cards/capital-one-newcomers-review/ Best of luck!
  2. [2013-06-29 16:58:03] - Adi says: Hi, What credit cards do you recommend for people just starting off, preferably without a co-signer? I am fairly new to the US and would be starting work in a couple of weeks. I have been looking at a few which require a security deposit. Do even these cards need some sort of history, or one can apply just straightaway. I have my account with Wells Fargo. Any suggestions welcome :)
  3. [2013-06-26 01:47:55] - NerdWallet says: Hey Heather- If possible, I would recommend getting someone with good credit to co-sign the loan for you. The in-between period before you've started paying off loans but after you've left college can be really tough, so piggybacking off of an established credit history is the way to go.
  4. [2013-06-25 21:40:47] - Heather Ware says: What credit score do you need to have to get one of these cards? I have a bad credit score, from what i can tell primarily because of student loans (which are still in the grace period). The last thing I want to do is hurt it further by applying and being denied a card. Should I try for a student card or a secured card?
  5. [2013-06-12 00:21:07] - NerdWallet says: I'd recommend a card with a 0% APR period. This means that you'll have 6-12 months or so to make payments on your debt without having to pay interest. If your parents are willing to cosign for you, your best bet is probably to go for a card like the Citi Simplicity, which has no interest on purchases for 18 months (as of June 2013).
  6. [2013-04-23 02:26:59] - Anne M says: Which one is the best college student card to use not only in the US but perhaps in Europe? I was going to apply to the CITI Dividend just because I prefer that one over the Forward that has all those ThankYou points that I don't have the time to use anyway. I have had already three different credit cards and one loan so I think I have a good credit for now. Thank you.
  7. [2013-01-18 02:54:45] - pin says: wow that's dumb
  8. [2012-09-17 04:22:23] - Megs says: I'm a college student and am needing a credit card to help with apartment expenses temporarily. Just to get stuff like a bed, dresser, household needs, etc. I can't afford it all out of pocket so monthly payments would be awesome. What's best for me??
  9. [2012-07-02 04:22:17] - Bnarthur10 says: im a college student and looking to build credit but dont want high interest rate what card wold be the best to go with?
  10. [2012-06-28 18:19:19] - Kaitlynnj says: Hi! Quick question. I'm going into my sophomore year of university and I'm looking into getting a credit card. I don't spend a lot of money when I'm at school, about $100 a month and most of the time less. I'm planning on going to medical school so saving money is very important to me. I've never had a credit card before, so I have zero credit. I know I'll need credit in the near future too, to help me get loans for med school and eventually a house and all that good stuff. A lot of credit cards I've seen require you to have an existing credit score, which I just don't have. How do I start building up good credit so I don't have a problem with getting loans in the future? I'm always very good about paying parents/friends back on the odd occasions I ask for money, so I'll be the same way with a credit card. Something about carrying a balance from month to month kind of scares me. Thanks for your help!
  11. [2012-05-17 01:13:04] - Csd2z says: this may seem dumb but how do the credit cards give me a limit or am i suppose to put money on it and use it like that?
  12. [2012-04-20 16:23:48] - NerdWallet says: I'd recommend the Citi Forward for Students, which has excellent rewards as well as 0% purchase APR for 7 months.
  13. [2012-04-20 07:58:03] - Adrian Kringle says: I am about to buy a gaming system and am looking for the best card to fiance monthly with no intrest please help! It would be 450 and i would be able to pay it off in 4 months.
  14. [2012-03-30 22:29:16] - NerdWallet says: Would you report it on your federal income taxes?
  15. [2012-03-30 22:21:19] - Pmperry says: Can the money I receive back from my college be counted as annual income on a credit card application
  16. [2012-03-28 08:04:47] - NerdWallet says: I believe tat you have to be a student for most of these cards, if not all, but if you have an income you can probably qualify for a traditional credit card for average or no credit.
  17. [2012-03-27 17:56:32] - Guest says: What if you drop out of college?
  18. [2011-06-09 02:41:32] - NerdWallet says: Capital One is definitely your best bet, but like you say the rates can be high. You could always try to apply for one of the cards we list here: http://www.nerdwallet.com/blog/2011/credit-card-no-foreign-transaction-fee/ Or you could check with your local credit union, since many of them only charge 1%, instead of the standard 3% fee: http://www.nerdwallet.com/credit-union
  19. [2011-06-09 02:35:45] - Bapet says: What if you want a student credit card and plan to use it overseas?  I know Capitol One has no foreign transaction fees, but the APR is high.  Any other suggestions for no foreign transaction fees for a student or other things we should consider?  
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