Student Credit Cards
It's more important than ever to start building an excellent credit history when you're young. The key to building good credit is to use credit responsibly by living within your means and always paying your credit card bills on time and in full.
So, the best credit cards for students really serve two important purposes:
1.) They teach you or your college student about responsibly using a credit card.
2.) They help you build credit early by reporting your payment history to the major credit bureaus.
The good news is that credit cards for college students are available today and don’t require an established credit history, making it easier for young adults in college to get approved. In addition, a number of student credit cards include cash back rewards programs on the things students are most likely to buy plus extended intro periods during which students pay 0% interest.
The credit cards for college students below are proven credit-builders and give the under-21 crowd a head start on the path towards excellent credit. Happy searching!
Upromise World MasterCard® Highlights
- Earn up to 10% total cash back as a Upromise member when you use your Upromise MasterCard on eligible purchases at online retailers and travel partners through Upromise.com
- 2% cash back on eligible in-store and movie theater purchases
- 1% cash back on all other purchases
If you are under 21, you will need to have "sufficient income" to be approved for a student credit card. Unfortunately, exactly what is considered "sufficient income" is not specified in the law. If you are worried your income will not be deemed "sufficient", apply with an adult co-signer such as a parent. You will still build credit using a joint credit card.