Nerdy Tip: Start strong on your credit-building journey by using your new credit card carefully. Keep your balance below 30% of your total credit limit, and pay your bill in full each month to avoid interest. Apply today and you could have a card in hand by the time you start school.
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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Capital One SavorOne Student Cash Rewards Credit Card: Best for Bonus Cash Back Categories
Discover it® Student Cash Back: Best for Cash Rewards for Students and Credit Newbies
Discover it® Student Chrome: Best for Rewards for Students
Chase Freedom Unlimited®: Best for Cash-Back Pairing with Chase Sapphire Preferred®
Credit card | NerdWallet rating | Annual fee | Intro APR | Regular APR | Learn more |
---|---|---|---|---|---|
Capital One SavorOne Student Cash Rewards Credit Card Apply Now on Capital One's website on Capital One's website | Excellent for Bonus Cash Back Categories | $0 | N/A | 19.99%-29.99% Variable APR | Apply Now on Capital One's website on Capital One's website |
Discover it® Student Cash Back Apply Now on Discover's website, on Discover's website, or call 800-347-0264 | 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 | 18.24%-27.24% Variable APR | Apply Now on Discover's website, on Discover's website, or call 800-347-0264 |
Discover it® Student Chrome Apply Now on Discover's website, on Discover's website, or call 800-347-0264 | Excellent for Rewards for Students | $0 | 0% intro APR on Purchases for 6 months and 10.99% intro APR on Balance Transfers for 6 months | 18.24%-27.24% Variable APR | Apply Now on Discover's website, on Discover's website, or call 800-347-0264 |
Excellent for Cash-Back Pairing with Chase Sapphire Preferred® | $0 | 0% intro APR on purchases and Balance Transfers for 15 months | 20.49%-29.24% Variable APR | Apply Now on Chase's website on Chase's website |
Excellent for: Bonus Cash Back Categories
Excellent for: Cash Rewards for Students and Credit Newbies
Excellent for: Rewards for Students
Excellent for: Cash-Back Pairing with Chase Sapphire Preferred®
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.