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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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Annual FeeRewards Rate Sign Up Value Annual Rewards

Citi ThankYou® Preferred Card for College Students

Citi ThankYou® Preferred Card for College Students

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$0
Annual Fee
1 point per DollarRewards Rate
$133Annual Rewards
Apply Nowon Citibank’s secure website.
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Discover it® Chrome for Students-New! Good Grades Rewards

Discover it® Chrome for Students-New! Good Grades Rewards

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$0
Annual Fee
1.0%
Rewards Rate
$128Annual Rewards
Apply Nowon Discover’s secure website.
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Discover it® for Students-New! Good Grades Rewards

Discover it® for Students-New! Good Grades Rewards

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$0
Annual Fee
1.0%
Rewards Rate
$120Annual Rewards
Apply Nowon Discover’s secure website.
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Journey® Student Rewards from Capital One®

Journey® Student Rewards from Capital One®

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$0
Annual Fee
1.25%
Rewards Rate
$120Annual Rewards
Apply Nowon Capital One’s secure website.
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East West Bank College Rewards

East West Bank College Rewards

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$0
Annual Fee
1.0%Rewards Rate
$101Annual Rewards
Apply Nowon East West Bank’s secure website.
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Comerica College Rewards

Comerica College Rewards

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$0
Annual Fee
1.0%Rewards Rate
$101Annual Rewards
Apply Nowon Comerica Bank’s secure website.
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Bremer Bank College Rewards

Bremer Bank College Rewards

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$0
Annual Fee
1.0%Rewards Rate
$101Annual Rewards
Apply Nowon Bremer Bank’s secure website.
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KeyBank College Rewards

KeyBank College Rewards

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$0
Annual Fee
1.0%Rewards Rate
$101Annual Rewards
Apply Nowon KeyBank’s secure website.
View Details

Wells Fargo Cash Back College Visa Card

Wells Fargo Cash Back College Visa Card

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$0
Annual Fee
1.0%Rewards Rate
$96Annual Rewards
Apply Nowon Wells Fargo’s secure website.
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Regions Bank Student with Rewards

Regions Bank Student with Rewards

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$10
Annual Fee
0.63%
Rewards Rate
$50Annual Rewards
Apply Nowon Regions Bank’s secure website.
View Details
We want to hear from you and encourage a lively discussion among our users. Please help us keep our site clean and safe by following our posting guidelines, and avoid disclosing personal or sensitive information such as bank account or phone numbers. Any comments posted under NerdWallet's official account are not reviewed or endorsed by representatives of financial institutions affiliated with the reviewed products, unless explicitly stated otherwise.

NerdWallet: Hi Adi, If you're a recent immigrant, you might be best off with the Capital One Newcomers card. It's meant for people who just moved to the US, and even though it requires a security deposit, it has no annual fee and you probably won't need a co-signer. Here's our review of the card: http://www.nerdwallet.com/blog/credit-cards/capital-one-newcomers-review/ Best of luck!

Adi: Hi, What credit cards do you recommend for people just starting off, preferably without a co-signer? I am fairly new to the US and would be starting work in a couple of weeks. I have been looking at a few which require a security deposit. Do even these cards need some sort of history, or one can apply just straightaway. I have my account with Wells Fargo. Any suggestions welcome :)

NerdWallet: Hey Heather- If possible, I would recommend getting someone with good credit to co-sign the loan for you. The in-between period before you've started paying off loans but after you've left college can be really tough, so piggybacking off of an established credit history is the way to go.

Heather Ware: What credit score do you need to have to get one of these cards? I have a bad credit score, from what i can tell primarily because of student loans (which are still in the grace period). The last thing I want to do is hurt it further by applying and being denied a card. Should I try for a student card or a secured card?

NerdWallet: I'd recommend a card with a 0% APR period. This means that you'll have 6-12 months or so to make payments on your debt without having to pay interest. If your parents are willing to cosign for you, your best bet is probably to go for a card like the Citi Simplicity, which has no interest on purchases for 18 months (as of June 2013).

Anne M: Which one is the best college student card to use not only in the US but perhaps in Europe? I was going to apply to the CITI Dividend just because I prefer that one over the Forward that has all those ThankYou points that I don't have the time to use anyway. I have had already three different credit cards and one loan so I think I have a good credit for now. Thank you.

pin: wow that's dumb

Megs: I'm a college student and am needing a credit card to help with apartment expenses temporarily. Just to get stuff like a bed, dresser, household needs, etc. I can't afford it all out of pocket so monthly payments would be awesome. What's best for me??

Bnarthur10: im a college student and looking to build credit but dont want high interest rate what card wold be the best to go with?

Kaitlynnj: Hi! Quick question. I'm going into my sophomore year of university and I'm looking into getting a credit card. I don't spend a lot of money when I'm at school, about $100 a month and most of the time less. I'm planning on going to medical school so saving money is very important to me. I've never had a credit card before, so I have zero credit. I know I'll need credit in the near future too, to help me get loans for med school and eventually a house and all that good stuff. A lot of credit cards I've seen require you to have an existing credit score, which I just don't have. How do I start building up good credit so I don't have a problem with getting loans in the future? I'm always very good about paying parents/friends back on the odd occasions I ask for money, so I'll be the same way with a credit card. Something about carrying a balance from month to month kind of scares me. Thanks for your help!

Csd2z: this may seem dumb but how do the credit cards give me a limit or am i suppose to put money on it and use it like that?

NerdWallet: I'd recommend the Citi Forward for Students, which has excellent rewards as well as 0% purchase APR for 7 months.

Adrian Kringle: I am about to buy a gaming system and am looking for the best card to fiance monthly with no intrest please help! It would be 450 and i would be able to pay it off in 4 months.

NerdWallet: Would you report it on your federal income taxes?

Pmperry: Can the money I receive back from my college be counted as annual income on a credit card application

NerdWallet: I believe tat you have to be a student for most of these cards, if not all, but if you have an income you can probably qualify for a traditional credit card for average or no credit.

Guest: What if you drop out of college?

NerdWallet: Capital One is definitely your best bet, but like you say the rates can be high. You could always try to apply for one of the cards we list here: http://www.nerdwallet.com/blog/2011/credit-card-no-foreign-transaction-fee/ Or you could check with your local credit union, since many of them only charge 1%, instead of the standard 3% fee: http://www.nerdwallet.com/credit-union

Bapet: What if you want a student credit card and plan to use it overseas?  I know Capitol One has no foreign transaction fees, but the APR is high.  Any other suggestions for no foreign transaction fees for a student or other things we should consider?