The Best College Student Credit Cards
College student credit cards are designed for college students who might not otherwise qualify due to lack of employment while they are in school. It is not a bad idea to start establishing a credit history sooner rather than later. Qualifying while you are a college student means you will have a credit card should you want one in the future, regardless of your employment situation at that time.
Some popular features in student credit cards include:
- 0% APR for an introductory period of 6 months.
- No annual fee.
- No minimum income or previous credit history required.
- Rewards programs including cash back opportunities.
While no previous credit history is necessary to obtain a student credit card, the APR on these cards tends to be higher than some other options, so it is important that you use your card responsibly in order to avoid the accumulation of credit card debt.
With these options, every student who wants a credit card should manage to find the best student credit card for his/her needs.
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Capital One® No Hassle Cash(SM) Rewards for Students
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- If You Have a Limited Credit History or Past Credit Problems, This Cash Rewards Card is for You
- 25% Annual Bonus on the Cash You Earn During the Year
- 1% Cash Back on Purchases You Make from Day One
- No Limit on Cash Back and Rewards Won't Expire for the Life of Your Account
- 0% APR on Purchases Until December 2008. After that, Variable APR, Currently 16.9%
- Apply online now at the card issuer.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0% on Purchases until December 2008 |
16.90% Variable |
$29 |
Average |
Capital One® Standard Platinum for Students
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- If You Have a Limited Credit History and are Starting to Establish a Credit Foundation, this Card Can Grow While Providing Great Benefits
- 0% APR on Purchases Until December 2008. After that, Variable APR, Currently 19.8%
- No Annual Fee or Balance Transfer Fees
- A Manageable Credit Line to Help Control Your Finances
- $0 Fraud Liability if Your Card Gets Lost or Stolen
- Apply online now at the card issuer.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0% on Purchases until December 2008 |
19.80% Variable |
$0 |
Average |
Chase +1(SM) Student MasterCard®
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- 0% Introductory APR on All Purchases and Balance Transfers for Up To 6 Months
- No Annual Fee
- Earn 15 Karma Points Just by Getting Approved for a Chase Credit Card
- Earn More Karma Points at Facebook.com/plus1
- Share Points with Friends, Give Points to Support Causes
- Apply online now at Chase.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0% APR for up to 6 Months |
14.99% Variable |
$0 |
None |
Discover® Open Road(SM) Card for Students
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- 5% to 20% Cashback Bonus at Top Online Retailers*
- Up to 1% Unlimited Cashback Bonus on All Other Purchases Automatically
- Increase, Even Double, Your Rewards When You Redeem for Gift Cards from Our 100 Cashback Bonus Partners
- No Annual Fee
- Online Account Access
- Apply online now at the card issuer.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0% Interest* for 6 Months |
16.99% Variable |
$0 |
None |
Discover® Student Card - Tropical Beach
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- More Ways to Earn More Cash than Anyone Else(SM)*
- Unlimited Cash Rewards, Automatically
- Up to 20% Cashback Bonus® When You Shop Online*
- Double Rewards with More than 100 Cashback Bonus Partners*
- Customer Service in Less than a Minute, Anytime You Want
- Apply online now at the card issuer or read our review.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0% Interest* for 6 Months |
16.99% Fixed |
$0 |
None |
Discover® Student Card
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- More Ways to Earn More Cash than Anyone Else(SM)*
- Unlimited Cash Rewards, Automatically
- Up to 20% Cashback Bonus® When You Shop Online*
- Double Rewards with More than 100 Cashback Bonus Partners*
- Customer Service in Less than a Minute, Anytime You Want
- Apply online now at the card issuer or read our review.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0% Interest* for 6 Months |
16.99% Fixed |
$0 |
Very Good |
Discover® Student Card - Clear
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- More Ways to Earn More Cash than Anyone Else(SM)*
- Unlimited Cash Rewards, Automatically
- Up to 20% Cashback Bonus® When You Shop Online*
- Double Rewards with More than 100 Cashback Bonus Partners*
- Customer Service in Less than a Minute, Anytime You Want
- Apply online now at the card issuer or read our review.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0% Interest* for 6 Months |
16.99% Fixed |
$0 |
None |
Discover® Student Card - Monogram Collection
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- More Ways to Earn More Cash than Anyone Else(SM)*
- Unlimited Cash Rewards, Automatically
- Up to 20% Cashback Bonus® When You Shop Online*
- Double Rewards with More than 100 Cashback Bonus Partners*
- Customer Service in Less than a Minute, Anytime You Want
- Apply online now at the card issuer.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0% Interest* for 6 Months |
16.99% Fixed |
$0 |
None |
Fidelity Investments® 529 College Rewards® American Express®
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- Earn 1.5% on Net Retail Purchases Charged to the Card
- Fidelity 529 Dollars Earned Will be Transferred to Your Fidelity Managed 529 Plan Account Automatically
- 0% Introductory Annual Percentage Rate (APR) on Balance Transfers and Cash Advance Checks for Your First 12 Billing Cycles
- With American Express Selects(SM), Enjoy Special Online Offers for Your Family from Merchants Around the World
- Card Issued by FIA Card Services, N.A.
- Apply online now at the card issuer.
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| Intro APR |
Regular APR |
Annual Fee |
Credit Needed |
| 0% APR for 12 Billing Cycles |
16.99% Fixed |
$0 |
None |
