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Credit Card Applications » Student Credit Cards

Credit Cards for College and High School Students

Having a credit card is vital in today's world - without a solid credit history, you won't be able to get a mortgage or a car loan when the time comes. Start your credit history with a student credit card designed for young people with limited or no credit history.

Student credit cards do more than just help you establish a credit history - they teach responsibility and good money management skills. Look for one that offers 1% cash back and get rewarded for developing your credit history.

Sort Cards by:RatingIntro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeFee on Bal. Tr.Application Processing Fee
Discover it® for Students
Compare
Key Feature: Discover matches all the cash back you've earned at the end of your first year - automatically. Only for new cardmembers.
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal. Tr.
Regular APRAnnual FeeFee on Bal. Tr.Application Processing Fee
0% (6 months)10.99% (6 months)13.24% - 22.24% Variable$03%See terms
Card Details:
  • Discover matches all the cash back you've earned at the end of your first year - automatically. Only for new cardmembers.
  • Earn 5% cash back in new bonus categories like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cash back on all other purchases.
  • Good Grades Rewards: $20 cash back 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 & FICO® Credit Scores for free on statements & online.
  • Freeze It℠ on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.24% - 22.24%.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Our Expert Opinion
  • Discover matches all the cash back you've earned at the end of your first year - automatically. Only for new cardmembers.
  • Earn 5% cash back in new bonus categories like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cash back on all other purchases.
  • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.

See card details
Discover it® chrome for Students
Compare
Key Feature: Discover matches all the cash back you've earned at the end of your first year - automatically. Only for new cardmembers.
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal. Tr.
Regular APRAnnual FeeFee on Bal. Tr.Application Processing Fee
0% (6 months)10.99% (6 months)13.24% - 22.24% Variable$03%See terms
Card Details:
  • Discover matches all the cash back you've earned at the end of your first year - automatically. Only for new cardmembers.
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter—no sign-ups needed. 1% cash back on all your other purchases.
  • Good Grades Rewards: $20 cash back 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 & FICO® Credit Scores for free on statements & online.
  • Freeze It℠ on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.24% - 22.24%.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Our Expert Opinion
  • Discover matches all the cash back you've earned at the end of your first year - automatically. Only for new cardmembers.
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter—no sign-ups needed. 1% cash back on all your other purchases.
  • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.

See card details
Average, Fair, Limited Credit
Journey® Student Rewards from Capital One®
Compare
Key Feature: 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
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal. Tr.
Regular APRAnnual FeeFee on Bal. Tr.Application Processing Fee
N/AN/A20.24% (Variable)$0$0See terms
Card Details:
  • 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
  • There’s no limit to the amount of cash back you can earn, and rewards don't expire
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Pay no annual or foreign transaction fees
  • Fraud coverage if your card is lost or stolen
  • Pick the monthly due date that works best for you
Our Expert Opinion
  • 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
  • There’s no limit to the amount of cash back you can earn, and rewards don't expire
  • Get access to a higher credit line after making your first 5 monthly payments on time

See card details
Citi ThankYou® Preferred Card for College Students
Compare
Key Feature: Earn 2,500 bonus ThankYou® Points after spending $500 within the first 3 months of cardmembership
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal. Tr.
Regular APRAnnual FeeFee on Bal. Tr.Application Processing Fee
0% (7 months)*n/a14.24% - 24.24%* (Variable)$0*4%See terms
Card Details:
  • Earn 2,500 bonus ThankYou® Points after spending $500 within the first 3 months of cardmembership.
  • 2 ThankYou® Points per dollar spent on purchases for dining at restaurants and entertainment.
  • 1 ThankYou® Point on other purchases.
  • Points do not expire and earn unlimited Thank You Points with this card.
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more.
  • Travel with ease and enjoy global acceptance with Chip Technology.
  • No annual fee*
Our Expert Opinion
  • 0% intro APR on purchases.
  • Earn ThankYou® Points on card purchases.
  • No annual fee.

  • Cash advance fee is either $10 or 5%.
See card details

* Click apply to read the full Terms and Conditions.

More Things to Know about Student Credit Cards

Student cards are a start-up line of credit, and as such, they often have slightly higher interest rates and are capped with a limit of around $500. However, you still need to make payments on time and paying off your balance in full whenever possible. These are credit-card basics you probably know already, but there's more to learn about the world of credit, to put you on the road to a lifetime of good credit.

Do your homework

Always read the fine print - it might not seem that important, but it really is. You need to be familiar with the terms and conditions of any credit card you apply for.

Be credit-wise

Your credit, good or bad, will be established now depending on the way you use your card. Be smart and get a good start.

Pay right away

When you pay your balances immediately, you pay no interest. The longer you take to pay, the more interest adds up - an item that was a bargain in the beginning can end up costing a pretty penny in the end if you don't pay it off quickly!

No Co-Signer

Some student credit cards require a co-signer to be responsible for any debt if the student defaults, but not all do. If you want to establish your own credit history, look for the credit card which does not require a co-signer.

Our Experts about Credit Cards for Students

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Try Our Credit Card Tools:

Use these tools to make some helpful calculations and comparisons to build your own plan for managing your credit health.

Balance Transfer Calculator: Save on average $1,400!

Balance Transfer Calculator

Carrying a balance? Find out how much you'll save - and how much faster you'll pay it off - by transferring your balance to a new card. Our Balance Transfer Calculator does the math for you and eliminates the guesswork.

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