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October 2020: Best Loans and
student credit cards FROM
OUR PARTNERS

Having a credit card is vital in today's world - not only is it a way to manage personal finances, but it also allows to build credit history. 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.

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Apply for Journey® Student Rewards from Capital One® - Credit-Land.com APPLY

on Capital One's secure website

Average, Fair, Limited Credit

Credit Offer for College Students

BEST CHOICE OF October 2020

Rating 4.7

  • Click "APPLY ONLINE" to apply now
  • 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
  • Earn $5 per month for 12 months on Select Streaming Subscriptions when you pay on time. *Exclusions Apply
  • Enjoy no annual fee and no foreign transaction fees

Annual Fee: $0

Rewards

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

Earn $5 per month for 12 months on Select Streaming Subscriptions when you pay on time. *Exclusions Apply

Foreign Transaction Fee: None

Balance Transfer Fee: $0

More Loans and Credit Cards for Students

Student credit cards do more than just help you establish a credit history - they teach responsibility and good money management skills. Look for cards that offer cash back and get rewarded while establishing your credit history. As many student credit cards come without annual fees, think twice before you apply for one that charges the annual fee. Below are some popular student credit cards form our partners.

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Apply for Petal 2 <q>Cash Back, No Fees</q> Visa® Credit Card - Credit-Land.com

Rating 4.7

APPLY

Excellent/Good/Limited/No Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
12.99% - 26.99% Variable
Balance Transfer Fee
N/A
Annual Fee
$0
  • No fees whatsoever. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee.
  • Up to 1.5% cash back after making 12 on-time monthly payments.
  • 1% cash back on eligible purchases right away.
  • Up to 10% cash back from select merchants.
  • $500-$10,000 credit limits.
  • Variable APRs 12.99%-26.99%.
  • Build credit alongside tens of thousands of Petal Card members.
  • Cash flow technology may help applicants without credit history get approved.
  • Petal's mobile app makes it easy to manage your money, track your spending, and automate payments.
  • See if you're pre-approved within minutes without impacting your credit score.
  • Petal reports to all 3 major credit bureaus.
  • No deposits required.
  • Card issued by WebBank, Member FDIC

our choice

Annual Fee: $0

Rewards

Up to 1.5% cash back after making 12 on-time monthly payments.

1% cash back on eligible purchases right away.

Up to 10% cash back from select merchants.

Foreign Transaction Fee: $0

Reporting to the Major Consumer Reporting Agencies

Apply for Journey® Student Rewards from Capital One® - Credit-Land.com

Rating 4.7

APPLY

on Capital One's secure website

Average, Fair, Limited Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
26.99% (Variable)
Balance Transfer Fee
$0
Annual Fee
$0
  • Click "APPLY ONLINE" to apply now
  • 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
  • Earn $5 per month for 12 months on Select Streaming Subscriptions when you pay on time. *Exclusions Apply
  • Enjoy no annual fee and no foreign transaction fees
  • You can help build your credit with responsible use of a card like this
  • Pick the monthly due date that works best for you
  • Be automatically considered for a higher credit line in as little as 6 months
  • $0 fraud liability if your card is ever lost or stolen
  • Monitor your credit profile with the CreditWise® app, free for everyone

our choice

Annual Fee: $0

Rewards

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

Earn $5 per month for 12 months on Select Streaming Subscriptions when you pay on time. *Exclusions Apply

Foreign Transaction Fee: None

Balance Transfer Fee: $0

Apply for Petal 1 <q>No Annual Fee</q> Visa® Credit Card - Credit-Land.com

Rating 4.3

APPLY

Fair/Bad/Limited/No Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
19.99 - 29.49% Variable
Balance Transfer Fee
N/A
Annual Fee
$0
  • $0 Annual Fee.
  • Up to 10% cash back from select merchants.
  • $500 - $5,000 credit limits.
  • Variable APRs 19.99-29.49%.
  • No annual or international transaction fees. Late and returned payment fees may apply.
  • Build credit alongside tens of thousands of Petal Card members.
  • Cash flow technology may help applicants without credit history get approved.
  • Petal's mobile app makes it easy to manage your money, track your spending, and automate payments.
  • See if you're pre-approved within minutes without impacting your credit score.
  • Petal reports to all 3 major credit bureaus.
  • No deposits required.
  • Card issued by WebBank, Member FDIC

our choice

Annual Fee: $0

Rewards

Up to 10% cash back from select merchants.

Foreign Transaction Fee: $0

Reporting to the Major Consumer Reporting Agencies

Apply for Horizon Gold - Credit-Land.com

Rating 3.8

APPLY

Bad/No Credit

our choice

Intro APR on Purchases
n/a
Intro APR on Balance Transfer
n/a
Regular APR
0.00%
Balance Transfer Fee
See terms
Annual Fee
See Terms
  • Must have Active Debit Card or Credit Card to qualify.
  • Instant $500 Credit Line.
  • No Credit Check.
  • No Employment Check.
  • Reports to a Major Credit Bureau.
  • Fast Online Application.
  • Bad Credit accepted.

our choice

0% Intro APR on Purchases

Intro APR on Purchases:
n/a

Ongoing APR on Purchases:
0.00%

Instant Response

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Apply for SuperMoney Student Loan Refinance - Credit-Land.com

Rating 5.0

APPLY

Any Credit Welcome

our choice

Maximum Loan Amount
$300,000
Minimum Loan Amount
See terms
Minimum Income Required
See terms
Minimum Age of a Borrower
18
  • Find your lowest rate from competing lenders
  • Loans up to $300K. Rates from 2.63%
  • Checking rates won't affect your credit score

our choice

No Credit Check

No Employment Required

Apply for Deserve Edu - Credit-Land.com

Rating 4.7

APPLY

Good/Limited Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
18.74% Variable
Balance Transfer Fee
N/A
Annual Fee
$0
  • Receive one year of Amazon Prime Student on Deserve after spending $500 in the first three billing cycles with your EDU card (Lifetime Value of $59).
  • Earn 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning cash back on all purchases.
  • Feel secure with cell phone protection up to $600.
  • No deposit required. No annual fees.
  • No international transaction fees on purchases abroad so you can travel with confidence.
  • No Social Security Number required for international students to apply.
  • Refer A Friend Program: Refer anyone to Deserve using your personal referral code. Upon approval, card activation and use, you'll receive $30 and so will your referral. Referral bonuses are unlimited!
  • Manage and track your spending, set automatic payments and securely freeze your card all through one easy to use app.
  • See if you prequalify with no impact to your credit score in minutes.
  • Deserve Mastercards are issued by Celtic Bank, Member FDIC.
  • Enjoy Mastercard Platinum Benefits intended to make your life easier like Mastercard ID Theft Prevention™ and Master Rental®.

our choice

Annual Fee: $0

Rewards

Earn 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning cash back on all purchases.

Foreign Transaction Fee: $0

Reporting to the Major Consumer Reporting Agencies

Apply for Student Loan Hero - Credit-Land.com

Rating 4.3

APPLY

Any Credit

our choice

Maximum Loan Amount
See terms
Minimum Loan Amount
See terms
Minimum Income Required
See terms
Minimum Age of a Borrower
See terms
  • No fees for origination, disbursement, prepayment or late payment.
  • Fast application and approval process entirely mobile
  • Choose from a variety of loan terms
  • Parent Loans available

our choice

Instant Response

No Checking Account Required

No Employment Required

Apply for Destiny Mastercard® - Credit-Land.com

Rating 3.7

APPLY

Poor to Good Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
24.9%
Balance Transfer Fee
See terms
Annual Fee
$59-$99
  • All the benefits of a Mastercard, without a security deposit
  • Keeping your account in good standing may help establish and/or improve your credit history
  • Less than perfect credit is okay, even with a prior bankruptcy!
  • Prequalify for a card today and it will not impact your credit score
  • Reports to all three major credit bureaus

our choice

Instant Response

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

Build Credit

Apply for SoFi Student Loan Refinance - Credit-Land.com

Rating 5.0

APPLY

Excellent / Good / Fair Credit

our choice

Maximum Loan Amount
100% of school-certified expenses
Minimum Loan Amount
$5,000
Minimum Income Required
See terms
Minimum Age of a Borrower
See terms
  • Fixed rates starting at 2.99% APR (with AutoPay)8
  • Loan terms: 5, 7, 10, 15 and 20 year
  • No application, no origination fees, no prepayment penalties

our choice

Instant Response

No Credit Check

Petal 2 Cash Back, No Fees Visa® Credit Card

Excellent/Good/Limited/No Credit
Apply for Petal 2 <q>Cash Back, No Fees</q> Visa® Credit Card - Credit-Land.com

Rating 4.7

APPLY

GREAT CASH BACK OFFER FOR STUDENTS in October 2020

  • Up to 1.5% cash back after making 12 on-time monthly payments.
  • 1% cash back on eligible purchases right away.
  • Up to 10% cash back from select merchants.
See more details

questionsABOUT STUDENT
CREDIT CARDS

I am a student and do not have credit at all. Do you think I will qualify for the Blue card from American Express?

To apply for the Blue card from American Express you need to have a good or excellent credit score. This means you need a credit score of at least 700. Although, some applicants have been approved with a credit score as...

Read more
If I get the student debit card from Community First union, will I be able to build my credit history?

No. Debit cards as well as prepaid cards won't allow you to build credit history. The reason is, you are not given access to a credit account and the debit card activity is not reported to the major credit bureaus. If...

Read more
I just turned 18 this year and want to start building credit how do I do this?

There are several options for you. The first one, and probably the easiest one, is to become an authorized user on your parents’ credit card. As an authorized user you will be issued a separate card. However, note...

Read more
See all questions

NOT SURE WHICH CARD
TO CHOOSE?

Ask our Experts and get free advice to your email!

ASK QUESTION

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 initial credit limit of around $500. However, you still need to make all credit card monthly payments on time and pay off your card balance in full whenever possible as it will help you to save on interest and build good credit habits.

These are credit-card basics you probably know about 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 Terms and Conditions 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. This will help you to avoid some fees, like interest payments or late fees, and know what to expect when you are late with a monthly credit card fee.

Be credit-wise

Your credit, good or bad, will be established now depending on the way you manage your card. Be smart and get a good start. Make sure you know your due date and make your monthly credit card payments in advance. Note that by making only minimum monthly payment due, it will take an eternity to pay off the credit cards debt. It is recommended to pay off the card balance in full by the due date each month, which will help you to avoid interest payments and is definitely good for your credit.

Pay off right away

When you pay your balances immediately or by the due date, 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! And you'd better avoid cash advances as they start accruing interest on the date of transaction. Cash advance transactions have no grace period, so avoid withdrawing cash from your credit card.

No Co-Signer

Today many student credit cards do not require a co-signer which would be responsible for any debt if the student defaults. If you want to establish your own credit history, you can freely apply for any student credit card as the co-signer is no longer an obligatory requirement.

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comments ABOUT CREDIT CARDS
FOR COLLEGE STUDENTS

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