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 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.

Check out these great credit cards for college students, and get a head start on the path towards excellent credit.

Updated by on May 15, 2012

Discover® Student Tropical Beach Student Credit Card

Discover Tropical Beach Student credit card
  • No annual fee
  • Up to 5% cashback
  • 0% Intro APR!
  • More Info
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Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases 9 mo. $0 No

Discover® Student Credit Card

discover student platinum credit cards
Expert Rating:
4.75 / 5
stars
  • No annual fee, 0% intro on purchases
  • Earn up to 20% cash back
  • Unlimited Cashback Bonus
  • More Info
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Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases 9 mo. $0 No

Discover® Open Road℠ Card for Students

Discover Open Road for Students gas rebate card
Expert Rating:
4.5 / 5
stars
  • Earn a full 2% cash back on gas and restaurants (up to $250 per month)
  • Earn up to a 20% Cashback Bonus® through ShopDiscover
  • Redeem for cash, gift cards, statement credits, merchandise, and more
  • More Info
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Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases 9 mo. $0 Yes

If you're a new credit card user, keep your finances simple by only charging certain types of purchases to your credit card, like groceries or gas. This will help you to more easily verify charges on your monthly statement and to lower the risk of spending money you don't have.

Journey(SM) Student Rewards from Capital One®

cash back student rewards card
Expert Rating:
4.5 / 5
stars
  • Designed to help students build good credit with responsible use
  • Get 1% cash back on all purchases, plus a 25% bonus each month you pay your bill on time
  • Access to your monthly credit score, plus an interactive tracking tool to help monitor your credit
  • More Info
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Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
19.8%(V) $0 $0 Yes Average Credit

Discover® Student Card - Monogram Collection

Discover student cash back monogram card
  • Unlimited cash rewards
  • Up to 20% Cashback Bonus® when you shop online*
  • Personalize your card with a monogram of your initials!
  • More Info
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Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases 9 mo. $0 Yes

Your credit score is like your credit "GPA". To build good credit, we recommend doing the following: Get some credit, then Pay your bills on time, and finally, Always pay balances in full.

Discover® Student Clear Student Credit Card

Discover Student Clear credit card
  • No annual fee
  • Up to 5% cashback
  • 0% Intro APR
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases 9 mo. $0 No

Citi Forward® Card for College Students

citi forward student credit card
  • Up to 5 points per $1
  • Bonus points for new cardmembers
  • No cosigner required!
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases 7 mo. $0 Yes

Always keep track of your current credit utilization (the % of your total available credit being used). Your credit utilization has a large impact on your credit score, so try to keep it under 30%. To learn more about credit utilization, visit our Learning Center.

Citi® Dividend Platinum Select® Card for College Students

citi dividend platinum select student credit card
  • 5% cash back on gas, groceries, utilities for 6 months; 1% thereafter
  • 2% cash back on rotating categories such as restaurants, apparel, and more
  • No cosigner required
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases 7 mo. $0 Yes

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Credit Cards for
Student
Rewards

Discover Tropical Beach Student credit card
Discover® Student Tropical Beach Student Credit Card

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