3 Excellent Student Credit Cards For 2024

A student credit card is a great first step in establishing a good credit history. Building good credit might not seem like a priority when you're still in school, but you'll need it down the road if you want to finance a car, buy a house or qualify for top credit card offers. Your credit can even affect your job prospects and your ability to rent an apartment.

Nerd-Reviewed Credit Cards For Students

Great For: Cash Rewards For Students & Credit Newbies

This card offers 5% cash back in rotating categories that you activate, on up to $1,500 in spending per quarter; all other spending earns 1% cash back. There's no annual fee and no late fee on your first late payment. With this card Discover says there is no FICO history requirement.

Great For: Simplicity & Value For Students

The Discover it® Student Chrome shines with its no-maintenance rewards structure and student-friendly bonus categories. You also get a free FICO score, low fees, and forgiveness for your first late payment. Plus, Discover says there's no FICO history requirement for this card.

Great For: Travel Rewards For Those With Established Credit

For travel-loving students who have already established credit, the Bank of America® Travel Rewards credit card for Students offers excellent value.

Why It’s Wise To Build Credit As A Student

Building credit might not seem like an urgent priority when you're still in school, but the earlier you start the clock on your credit history, the better. Having good credit will be important down the road when you want to buy a home or get a car loan, but there are even more immediate benefits. For example, good credit can improve your chances of landing a job or renting an apartment.

Your credit history, detailed in your credit report and summarized by credit scores, shows how well you've handled borrowed money — and using a credit card responsibly is one of the quickest and easiest ways to build credit.