Best College Student Credit Cards of 2018
Highlight this: Using one of these cards responsibly while still in school is a giant step toward building great credit.
Here are the best college student credit cards:
This card offers 5% cash back (on up to $1,500 in spending per quarter) in categories that change every three months. Recent categories have included Amazon, gas stations and restaurants. It pays 1% cash back on all other spending. New cardholders will get their cash back matched at the end of their first 12 billing periods, and students who maintain a 3.0 GPA are eligible for an annual $20 reward. There’s no annual fee or foreign transaction fee and no fee for paying late once. Late payments will never increase your annual percentage rate.
The cash-back rewards are easy to understand and might help you develop good credit habits. You earn 1% cash back on all purchases, and when you pay your bill on time, you’ll receive an extra 0.25% cash back as a bonus. Make your first five payments on time, and you may gain access to a higher credit line. There are no annual fees and no foreign transaction fees. And you don’t even have to be a student to apply.
NerdWallet’s credit cards team selects the best cards in each category based on overall consumer value. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty. A single card is eligible to be chosen in multiple categories.
Last updated Jan. 1, 2018.
To recap our selections...
NerdWallet's Best College Student Credit Cards of 2018
- Discover it® for Students: Best for credit newbies
- Citi ThankYou® Preferred Card for College Students: Best for socializers
- Journey® Student Rewards from Capital One®: Best for responsible students