Best Student Credit Cards from our partners

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Credit Cards for College Students of April 2019

Top Student Credit Cards from Our Partners

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.

Discover it® Student chrome
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CARD DETAILS:

  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • 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.
  • Good Grades Rewards: $20 statement credit 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 & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 15.24% - 24.24%.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

APRs & FEES:

Intro APR on Purch.:

0% (6 months)

Intro APR on Bal. Tr.:

10.99% (6 months)

Ongoing APR:

15.24% - 24.24% Variable

Annual Fee:

$0

Balance Transfer Fee:

3%

Foreign Transaction Fee:

None

Discover it® Student Cash Back
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APPLY NOW See Details >
CARD DETAILS:

  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
  • Good Grades Rewards: $20 statement credit 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 & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 15.24% - 24.24%.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

APRs & FEES:

Intro APR on Purch.:

0% (6 months)

Intro APR on Bal. Tr.:

10.99% (6 months)

Ongoing APR:

15.24% - 24.24% Variable

Annual Fee:

$0

Balance Transfer Fee:

3%

Foreign Transaction Fee:

None

Journey® Student Rewards from Capital One®
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APPLY NOW See Details >
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
  • Enjoy no annual fee and no foreign transaction fees
  • Get a head start and build your credit with responsible use
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • Pick the monthly due date that works best for you
  • Get customized alerts and manage your account with the Capital One mobile app

APRs & FEES:

Intro APR on Purch.:

N/A

Intro APR on Bal. Tr.:

N/A

Ongoing APR:

26.96% (Variable)

Annual Fee:

$0

Balance Transfer Fee:

$0

Foreign Transaction Fee:

None

SoFi Student Loan Refinance
APPLY NOW See Details >
LOAN DETAILS:

  • Fixed rates starting at 3.890% APR (with AutoPay)8
  • Loan terms: 5, 7, 10, 15 and 20 year
  • No application, no origination fees, no prepayment penalties

APRs & FEES:

Minimum Loan Amount:

See terms

Maximum Loan Amount:

See terms

Checking Account Required:

Yes

Minimum Income Required:

See terms

Minimum Age:

See terms

Related User Questions:

I am a student and I need to establish some sort of credit, but am absolutely terrified of credit cards and owing money....
If you spend on gas a lot, you can choose a credit card with gas rewards. For example, you can apply for the Discover it® Student chrome credit card to earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each...
Continue reading
I am a college student with no credit history. I was hoping to get a credit card that would help me to build some good...
You can consider applying for the Discover it® Student Cash Back credit card. There is no annual fee or activation fee. The issuer will report your credit activity to the major credit bureaus every month. You will be able to monitor your credit...
Continue reading
I would like my son to start building a credit history. The problem is that he is a full-time student and does not have a...
Your son can apply for the Discover it® Student Cash Back credit card. There is no annual fee. Every purchase on the card will get a 1% cash back reward. Also, you can earn 5% cash back at different places each quarter like gas stations, grocery...
Continue reading
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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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