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Standout Student Credit Cards

If you’re in college and want to start building credit, check out these student credit cards, some of which are from our partners. Starting early can pay off in a big way down the road.

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on Discover's secure website, or call (800) 347-0264

Great for: Credit Newbies

Securely with Discover

  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 15.24% - 24.24%.
  • View Rates and Fees
Close

  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 15.24% - 24.24%.
  • View Rates and Fees
Close

Bonus Value

Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.

Rewards Details

Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.

Annual Fee

$0

Recommended Credit Score

630 - 689

Average - Average

Pros

  • Earn 5% Cash Back in rotating categories each quarter up to the quarterly maximum when you activate
  • No FICO history required.
  • Bonus cash back categories
  • No annual fee
  • Intro APR period on Purchases and Balance Transfers
  • No foreign transaction fee

Cons

    on Discover's secure website, or call (800) 347-0264

    Close

    VIEW RATES AND FEES

    [object Object] card art

    on Discover's secure website, or call (800) 347-0264

    • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
    • Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases - automatically.
    • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
    • No annual fee. No late fee on first late payment. No APR change for paying late.
    • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
    • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
    • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
    • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 15.24% - 24.24%.
    • View Rates and Fees
    See card details

    • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
    • Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases - automatically.
    See card details

    Bonus Value

    Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.

    Rewards Details

    Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases - automatically.

    Annual Fee

    $0

    Recommended Credit Score

    630 - 689

    Average - Average
    See NerdWallet's pros & cons

    VIEW RATES AND FEES

    [object Object] card art

    on Deserve's secure website

    • No SSN required for International students.
    • Available to students (enrollment verification is required).
    • Amazon Prime Student on us (get reimbursed for subscription fees up to a lifetime total of $59).
    • 1% unlimited cash back on all purchases.
    • Credit limits up to $5,000.
    • $0 annual fee & no foreign transaction fees.
    • No security deposit or co-signer required.
    • Helps students build credit history and gain financial independence.
    • Use anywhere in the world where Mastercard is accepted.
    • Includes Mastercard Platinum Benefits like Car Rental Collision Damage Waiver, Roadside Assistance, Travel Assistance Services, Price Protection, Extended Warranty and ID Theft Protection.
    • Complimentary cellphone insurance up to $600.
    See card details

    • No SSN required for International students.
    • Available to students (enrollment verification is required).
    See card details

    Bonus Value

    None

    Rewards Details

    1% cash back on all purchases

    Annual Fee

    $0

    Recommended Credit Score

    630 - 850

    Average - Excellent
    See NerdWallet's pros & cons

    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 the best credit card offers. Your credit can even affect your job prospects and your ability to rent an apartment.Be aware that simply being a college student may not be enough to qualify you for a “student” card. You’ll generally need access to income, and if you have shaky credit or no credit history at all, you may find it hard to get approved. In that case, consider a secured credit card. These cards require you to put down a cash deposit as collateral. The deposit protects the issuer in case you fail to pay your bill, which reduces the risk of approving you for a card. If you’re in the market for a new card, here are some of our favorite offers for student credit cards.

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