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If you’re in college and want to start building credit, check out these student credit cards, some of which are from our partners.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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Showing 15 of 5

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

5.0

NerdWallet rating 

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

Annual fee

$0

Rewards rate

1%-2%

Cashback

Intro offer

Cashback Match

Recommended Credit Score

Pros

  • No annual fee
  • Intro APR period
  • Qualify with average credit
  • Bonus categories

Cons

  • Complicated rewards
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • 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.
  • No credit score required to apply.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • No annual fee and build your credit with responsible use.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 17.49% - 26.49% applies.
  • Click through to Discover’s website to see terms and conditions.
NerdWallet rating 

5.0

/5

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

Annual fee

$0

Rewards rate

1%-2%

Cashback

Intro offer

Cashback Match

Recommended Credit Score

630-689
(Average)

on Capital One's website

5.0

NerdWallet rating 

on Capital One's website

Annual fee

$0

Rewards rate

1%-10%

Cashback

Intro offer

$50

Recommended Credit Score

Pros

  • No annual fee
  • Bonus categories
  • No rewards caps
  • Reports to the three major credit bureaus

Cons

  • High APR
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), with 1% on all other purchases
  • Early Spend Bonus: Earn $50 when you spend $100 in the first three months
  • Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Enjoy no annual fee, foreign transaction fees, or hidden fees
  • Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
  • Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
  • Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
  • Build your credit with responsible card use
  • Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you
NerdWallet rating 

5.0

/5

on Capital One's website

Annual fee

$0

Rewards rate

1%-10%

Cashback

Intro offer

$50

Recommended Credit Score

630-689
(Average)

on Capital One's website

4.7

NerdWallet rating 

on Capital One's website

Annual fee

$0

Rewards rate

1%-5%

Cashback

Intro offer
N/A
Recommended Credit Score

Pros

  • No annual fee
  • Qualify with average credit
  • Reports to the three major credit bureaus
  • No foreign transaction fees
  • Earns rewards

Cons

  • High APR
  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Enjoy no annual fee, foreign transaction fees, or hidden fees
  • Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
  • Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
  • Pick the monthly due date that works best for you
  • Pay for Amazon.com purchases using your Capital One rewards
  • Pay for online purchases with virtual card numbers and keep your actual card number to yourself
  • Get notified via text, email, and phone if Capital One notices potential suspicious transactions on your account
  • Build your credit with responsible card use
NerdWallet rating 

4.7

/5

on Capital One's website

Annual fee

$0

Rewards rate

1%-5%

Cashback

Intro offer

N/A

Recommended Credit Score

630-689
(Average)

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

4.6

NerdWallet rating 

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

Annual fee

$0

Rewards rate

1%-5%

Cashback

Intro offer

Cashback Match

Recommended Credit Score

Pros

  • No annual fee
  • Qualify with limited/bad credit
  • Bonus categories
  • Intro APR period
  • Reports to the three major credit bureaus

Cons

  • Complicated rewards
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • No credit score required to apply.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • No annual fee and build your credit with responsible use.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 17.49% - 26.49% applies.
  • Click through to Discover’s website to see terms and conditions.
NerdWallet rating 

4.6

/5

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

Annual fee

$0

Rewards rate

1%-5%

Cashback

Intro offer

Cashback Match

Recommended Credit Score

630-689
(Average)

on Capital One's website

4.5

NerdWallet rating 

on Capital One's website

Annual fee

$0

Rewards rate

1.5%-10%

Cashback

Intro offer

$50

Recommended Credit Score

Pros

  • N/A

Cons

  • N/A
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Early Spend Bonus: Earn $50 when you spend $100 in the first three months
  • Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Enjoy no annual fee, foreign transaction fees, or hidden fees
  • Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
  • Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
  • Build your credit with responsible card use
  • Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you
NerdWallet rating 

4.5

/5

on Capital One's website

Annual fee

$0

Rewards rate

1.5%-10%

Cashback

Intro offer

$50

Recommended Credit Score

630-689
(Average)

Annual fee

$0

Rewards rate

1.5x

Points

Intro offer

2,500

Points

Recommended Credit Score

Pros

  • Qualify with average credit
  • No annual fee
  • Intro APR period on Purchases and Balance Transfers

Cons

  • Has foreign transaction fee
  • Earn 1.5 points monthly for every dollar you spend on eligible net purchases.
  • No caps or limits on the points you can earn, plus you have five years to redeem points for rewards.
  • 2,500 bonus rewards points awarded after first purchase, redeemable for $25 cash back, merchandise, gift cards or travel savings.

Annual fee

$0

Rewards rate

1.5x

Points

Intro offer

2,500

Points

Recommended Credit Score

630-850
(Average - Excellent)

Annual fee

$0

Rewards rate

N/A

Intro offer
N/A
Recommended Credit Score

Pros

  • Qualify with limited / bad credit
  • No annual fee

Cons

  • No rewards
  • The Visa Student Credit Card helps you manage your account while giving you the spending power you need.
  • Enjoy the safety, security and convenience of Visa with no annual fee.
  • Enjoy a low Annual Percentage Rate on purchases and cash advances

Annual fee

$0

Rewards rate

N/A

Intro offer

N/A

Recommended Credit Score

300-689
(Poor - Average)