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Best Student Credit Cards

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Credit Cards for College and High School Students

Best Student Credit Cards
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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
Required FICO score for this card: 640 to 699
You can apply if: your credit history is short; you have recent late or missed payments, recent bankruptcy or loan defaults, or other past credit problems.

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: 5% Cash Back in categories that change throughout the year up to the quarterly maximum with free and easy sign-up
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal. Tr.
Regular APRAnnual FeeFee on Bal. Tr.Activation Fee
0%
(6 months)
See terms12.99% -
21.99% Variable±
$0See terms$0
Card Details:
  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. No late fee on your first late payment. And paying late won´t increase your APR.±
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014. And 1% cash back on all other purchases.±
  • Human. Talk to a real person any time with 100% U.S.-based service.
  • Safe. Because you´re never responsible for unauthorized purchases with our $0 Fraud Liability Guarantee.
  • 0% intro APR± on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99%.±
  • ±Click "Apply" to see rates, rewards and other information.
Our Expert Opinion
  • No APR increase for late payments.
  • Has cash back on all purchases.
  • Choose the way you want to pay.

  • Not suitable for cash advance.
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.

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You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: For every month you pay on time, you receive a 25% bonus - that's a total of 1.25% cash back
Expert Rating:
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% (V)$0$0See terms
Card Details:
  • Earn 1% cash back on every purchase, every month - and pay no annual fee.
  • For every month you pay on time, you receive a 25% bonus - that´s a total of 1.25% cash back.
  • Get access to a higher credit line after making your first 5 monthly payments on time.
  • Brighten your financial future with responsible credit use - and get rewarded along the way.
  • Fraud coverage if your card is lost or stolen.
  • There´s no limit to the amount of cash back you can earn, and rewards don´t expire.
  • Pick the monthly payment due date that works best for you.
  • Get free access to a credit score, credit report, and credit tips using Credit Tracker.
Our Expert Opinion
  • Tools that allow you to monitor your credit score for FREE.
  • Get cash back for making payments on time.
  • Great card for students to build credit.

  • High standard APR.
See card details
Fair Credit

Fair Credit
Required FICO score for this card: 640 to 699
You can apply if: your credit history is short; you have recent late or missed payments, recent bankruptcy or loan defaults, or other past credit problems.

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: No Annual Fee
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal. Tr.
Regular APRAnnual FeeFee on Bal. Tr.Activation Fee
n/aSee terms12.99% -
21.99% Variable±
$0See terms$0
Card Details:
  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. No late fee on your first late payment. And paying late won´t increase your APR.±
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014. And 1% cash back on all other purchases.±
  • Human. Talk to a real person any time with 100% U.S.-based service.
  • Safe. Because you´re never responsible for unauthorized purchases with our $0 Fraud Liability Guarantee.
  • Experience our cash rewards with $20 Cashback Bonus® when you make your first purchase within 3 months of approval.±
  • ±Click "Apply" to see rates, rewards and other information.
Our Expert Opinion
  • Earn additional Cashback Bonus.
  • Pay no annual fee.
  • Balance transfer is available.

  • High cash advance fee.
See card details
Excellent / Good Credit

Excellent/Good Credit
Required FICO score for this card: 700 to 850
You can apply if: you have a long and positive credit history with a mix of credit types, you keep your balances low and make on time payments.

This credit offer is only for people with Excellent or Good credit history.

Have Bad credit history? Click Here!

No credit history? Click Here!

Fair credit? Click Here!

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Earn 2,500 Bonus ThankYou® Points
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal. Tr.
Regular APRAnnual FeeFee on Bal. Tr.Activation Fee
0%
(7 months)26
n/a13.99% -
23.99%26 (Variable)
$0264%$0
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.
  • 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.26
Our Expert Opinion
  • 7-month 0% APR on purchases.
  • Big sign up bonus and no caps on rewards you can earn.
  • No annual fee.

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

Good Credit
Required FICO score for this card: 700 to 749
You can apply if: you missed a couple of payments a while back, your credit history is not long, or you declared a bankruptcy in the past, but now you manage your credit(s) perfectly, which cancelled out past credit troubles.

This credit offer is only for people with Excellent or Good credit history.

Have Bad credit history? Click Here!

No credit history? Click Here!

Fair credit? Click Here!

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: 0% on Purchases for 7 months
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Intro APR
on Bal. Tr.
Regular APRAnnual FeeFee on Bal. Tr.Activation Fee
0%
(7 months)26
n/a13.99% -
23.99%26 (Variable)
$0264%$0
Card Details:
  • Build credit while earning cash back fast.
  • Earn 5% cash back every quarter in must-have categories like department stores, travel and more, enrollment each quarter is quick and easy.
  • Earn 1% cash back on all other purchases.
  • The total cash back earned with the card is $300 per calendar year. See Citi Dividend Card Reward Program Information.
  • Choose your payment due date.
  • Manage your account online, on your tablet or on your Smartphone.
  • No Annual Fee.
  • Click Apply Now for pricing details.
Our Expert Opinion
  • Great way to earn cash back.
  • Good for building your credit rating.
  • No co-signer needed.

See card details

± Click apply for Terms & Conditions.
26 See the Citi card terms and conditions online.

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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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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Questions & Answers about
Student Cards

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Leo Zhu
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