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Apply in minutes – it’s easy to start building credit with a student card

Start building your credit now with a student card to set yourself up for success in the future

Landlords could be more likely to rent to you

You could pay lower insurance rates

Employers could be more likely to hire you

A student credit card gets you started building credit while you’re in school, which can help you later on with renting an apartment, getting a job, and getting insurance. Student cards can also be easier to get than other unsecured cards (though every issuer has its own criteria). We’ve picked out some cards that are great for students to build credit because they also have:

No annual fee
Perks and rewards

Find a card you like and apply today.

Show summary

NerdWallet's Apply in minutes – it’s easy to start building credit with a student card

Capital One Savor Student Cash Rewards Credit Card: Best for Bonus Cash Back Categories
Chase Freedom Unlimited®: Best for Cash-Back Pairing with Chase Sapphire Preferred®
Discover it® Student Cash Back: Best for Cash Rewards for Students and Credit Newbies
Bank of America® Travel Rewards credit card for Students: Best for Decent Ongoing Rewards, a Rich Intro Offer, and a Lengthy 0% Intro APR Offer

Start building your credit now with a student card to set yourself up for success in the future

Landlords could be more likely to rent to you

You could pay lower insurance rates

Employers could be more likely to hire you

Credit card	NerdWallet rating	Annual fee	Intro APR	Regular APR	Learn more
Capital One Savor Student Cash Rewards Credit Card Apply Now on Capital One's website on Capital One's website Rates & Fees	5.0/5 Excellent for Bonus Cash Back Categories	$0	N/A	19.24%-29.24% Variable APR	Apply Now on Capital One's website on Capital One's website Rates & Fees
Chase Freedom Unlimited® Apply Now on Chase's website on Chase's website Rates & Fees	5.0/5 Excellent for Cash-Back Pairing with Chase Sapphire Preferred®	$0	0% intro APR on purchases and Balance Transfers for 15 months	18.99%-28.49% Variable APR	Apply Now on Chase's website on Chase's website Rates & Fees
Discover it® Student Cash Back Apply Now on Discover's website, on Discover's website, or call 800-347-0264 Rates & Fees	4.6/5 Excellent for Cash Rewards for Students and Credit Newbies	$0	0% intro APR on Purchases for 6 months and 10.99% intro APR on Balance Transfers for 6 months	17.24%-26.24% Variable APR	Apply Now on Discover's website, on Discover's website, or call 800-347-0264 Rates & Fees
Bank of America® Travel Rewards credit card for Students Apply Now on Bank of America's website on Bank of America's website	4.6/5 Excellent for Decent Ongoing Rewards, a Rich Intro Offer, and a Lengthy 0% Intro APR Offer	$0	0% intro APR on Purchases for 15 billing cycles and 0% intro APR on Balance Transfers for 15 billing cycles for any balance transfers made in the first 60 days	18.24%-28.24% Variable APR	Apply Now on Bank of America's website on Bank of America's website