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Best Student Credit Cards For you

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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.Activation Fee
Fair Credit

Fair Credit
You can apply if: your credit history is short. You’ve had your own credit card, loan or have been an authorized user on someone’s credit card for less than 3 years. You have recent late or missed payments or defaulted on a loan in the past 5 years.

Compare (10)
You've selected 10 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: 5% cash back in categories that change each quarter like gas, restaurants, Amazon.com and more -up to the quarterly maximum when you sign up
Expert Rating:

Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.

Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal. Tr.
Regular APRAnnual FeeFee on Bal. Tr.Activation Fee
0% (6 months)10.99% (6 months)12.99% - 21.99% Variable*$03%See terms
Card Details:
  • New! Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.*
  • 5% cash back in categories that change each quarter like gas, restaurants, Amazon.com and more -up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won´t raise your APR.*
  • Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online.*
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.* Plus get 100% U.S.-based service.
  • 0% intro APR* on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99%.
  • New! Double all the cash back you´ve earned at the end of your first year, automatically—only for new cardmembers.*
  • Click "Apply Now". *See rates, rewards, FICO® Credit Score terms & other information.
Our Expert Opinion
  • No APR increase for late payments.
  • Earn cash back on all purchases.
  • 0% intro APR on purchases for 6 months.
  • No annual fee.

  • 10.99% intro APR on balance transfers.
See card details
Average/Fair/Limited Credit

Average / Fair / Limited
You can apply if: you own credit card or other credit for less than 3 years or you have defaulted on a loan in the past 5 years.

Compare (10)
You've selected 10 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Earn 1% cash back on all purchases, plus a 25% bonus on the cash back you earn each month you pay on time, for a total of 1.25% cash back
Expert Rating:

Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.

Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal. Tr.
Regular APRAnnual FeeFee on Bal. Tr.Activation Fee
N/AN/A19.8% (Variable)$0$0See terms
Card Details:
  • Earn 1% cash back on all purchases, plus a 25% bonus on the cash back you earn each month you pay on time, for a total of 1.25% cash back
  • 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
  • Free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
Our Expert Opinion
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Pay no annual fee or foreign transaction fees
  • Fraud coverage if your card is lost or stolen

See card details
Fair Credit

Fair Credit
You can apply if: your credit history is short. You’ve had your own credit card, loan or have been an authorized user on someone’s credit card for less than 3 years. You have recent late or missed payments or defaulted on a loan in the past 5 years.

Compare (10)
You've selected 10 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99%
Expert Rating:

Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.

Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal. Tr.
Regular APRAnnual FeeFee on Bal. Tr.Activation Fee
0% (6 months)10.99% (6 months)12.99% - 21.99% Variable*$03%See terms
Card Details:
  • New! Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.*
  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter—no sign-ups needed.* 1% cash back on all your other purchases.
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won´t raise your APR.*
  • Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online.*
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.* Plus get 100% U.S.-based service.
  • 0% intro APR* on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99%.
  • New! Double all the cash back you´ve earned at the end of your first year, automatically—only for new cardmembers.*
  • Click "Apply Now". *See rates, rewards, FICO® Credit Score terms & other information.
Our Expert Opinion
  • Cash back rewards program.
  • 0% Intro APR on purchases.
  • Free FICO® Credit Score.
  • No annual fee.

  • 10.99% Intro APR on balance transfers.
See card details

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

latest news:

Cash Back for Good Grades Cash Back for Good Grades

Discover is gearing up for the back-to-school season by offering new student cardholders a chance to earn cash back for getting good grades. They can earn $20 cashback if their grade point average is 3.0 or better.Continue reading

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Essential facts about a student credit guide

The student credit guide enables the students to understand the true significance and hazards involved behind possessing a student credit card. There are plenty of new credit cards available for students these days. Many well known financial ...Continue reading

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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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