Student Credit Cards
These student credit cards will help you build excellent credit early.
It is more important than ever to start building an excellent credit history when you are young. The student credit cards in this section are designed specifically for students with little or no credit history, and many even reward you with the things you love most: cash, travel, entertainment and more!
Remember, the key to building good credit is to use credit responsibly: always pay your credit card bills on time and in full. If you have a limited in-flow of cash, only charge the necessities and what you can afford to pay back right away. The best credit cards for students serve two important purposes: 1.) They teach you or your college student about responsibly using a credit card and 2.) Building credit early.
Student Credit Card Offer: Discover it™ Card for Students
The good news is that credit cards for college students are abundant today and don’t require an established credit history, making it easier for young adults in college to get approved. Not only that, a number of student credit cards include cash back rewards programs on the stuff students are most likely to buy, plus extended intro periods in 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.
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Discover it® for Students Highlights
- 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*.
- 5% cash back for online shopping and department store purchases on up to $1,500 - Oct. through Dec. 2014 when you sign up for 5%*. 1% cash back on all other purchases.
- Free FICO® Credit Score online and on monthly statements*.
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.