It’s important to build your credit early in life to take advantage of the benefits an excellent credit score provides. If you’re a college student who wants to monitor your credit score as it climbs, we have two student credit cards and one student loan for you with free access to your FICO credit score.
Discover it® for Students
Here are the latest bonus categories:
|Discover bonus categories for late 2017 and 2018|
|Q4 2017 (Oct. 1 – Dec. 31)||Amazon.com and Target|
|Q1 2018 (Jan. 1 – March 31)||Gas stations and wholesale clubs|
|Q2 2018 (April 1 – June 30)||Grocery stores|
|Q3 2018 (July 1 – Sept. 30)||Restaurants|
|Q4 2018 (Oct. 1 – Dec. 31)||Amazon.com and wholesale clubs|
The Discover it® for Students has an introductory APR of 0% on Purchases for 6 months and 10.99% on Balance Transfers for 6 months, and then the ongoing APR of 14.24% - 23.24% Variable APR. There is an annual fee of $0, no over-the-limit fees, no foreign transaction fees, and no late fee on your first late payment. The Discover it® for Students gives you access to your free TransUnion FICO score on your monthly statements, online and in the mobile app.
Citi ThankYou® Preferred Card for College StudentsThankYou points per dollar spent on dining and entertainment and 1 ThankYou point per dollar spent on everything else. There’s also a signup bonus: Earn 2,500 bonus points after spending $500 in purchases within the first 3 months of account opening* ThankYou points can be redeemed for cash, cash equivalents, gift cards, travel, merchandise and more, but they’re best redeemed for gift cards and cash equivalents, like student loan rebates and mortgage payments.
The Citi ThankYou® Preferred Card for College Students has an introductory APR of 0% on Purchases for 7 months, and then the ongoing APR of 15.74% - 25.74% Variable APR. The annual fee is $0, and the foreign transaction fee is 3%. The Citi ThankYou® Preferred Card for College Students offers cardholders access to their free Equifax FICO score online, updated monthly.
Another way to check your FICO score for free
If you have a Sallie Mae Smart Option student loan, you can get your free FICO score quarterly. You’ll also receive information about the personalized factors affecting your score, online credit score education and information about how the FICO score is calculated.
This article was updated on April 21, 2016.