Student Credit Cards
A student credit card enables students to buy things by instalments，
And to earn rewards. What’s more, a student credit card is also the first step toward establishing a good credit history which has a great impact on your future loan for apartments or cars. Being a college student doesn't qualify you to get a student credit card, you also need to have income and have no bad credit history. According to the new Federal laws, issuing credit cards to individuals under 21 will be strictly restricted unless the individual has independent ability to pay the debt, or has an adult co-signer who take joint liability for the account. Here are some of the most popular student credit cards for you to choose the suitable one.
Discover it® for Students
- Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
- Earn 5% cash back in rotating categories each quarter like Amazon.com, restaurants, ground transportation and more, up to the quarterly maximum each time you activate.
- Good Grades Rewards: $20 cash back 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 & your FICO® Credit Score for free on monthly statements, on mobile and online.
- Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
- 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.74% - 22.74%.
- See additional Discover it® for Students details
Purchases Intro APR
0% for 6 months
Balance Transfers Intro APR
10.99% for 6 months
Regular APR
13.74% - 22.74% Variable
Annual Fee
$0
Credit Needed
No Credit
Journey® Student Rewards from Capital One®
- 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
- There's no limit to the amount of cash back you can earn, and rewards won't expire for the life of the account
- Get access to a higher credit line after making your first 5 monthly payments on time
- Pay no annual or foreign transaction fees
- Fraud coverage if your card is lost or stolen
- Pick the monthly due date that works best for you
- See additional Journey® Student Rewards from Capital One® details
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
20.99% (Variable)
Annual Fee
$0
Credit Needed
No Credit
Citi ThankYou® Preferred Card for College Students
- Earn 2,500 bonus points after spending $500 in purchases within the first 3 months of account opening*
- 2,500 ThankYou® Points are redeemable for $25 in gift cards, electronics and other great rewards
- Earn 2X Points on Dining Out & Entertainment
- Earn 1X Points on All Other Purchases
- No expiration and no limit to the amount of points you can earn with this card
- Travel with ease and enjoy global acceptance with Chip Technology
- No annual fee*
- See additional Citi ThankYou® Preferred Card for College Students details
Purchases Intro APR
0%* for 7 months on Purchases*
Balance Transfers Intro APR
N/A
Regular APR
14.99% - 24.99%* (Variable)
Annual Fee
$0*
Credit Needed
Good
SelfScore® Achieve for International Students
- No SSN or deposit required
- Helps build U.S. credit history
- 0% intro APR for 6 Months and then 19.49% variable APR thereafter
- No annual fee. No fee on first late payment.
- No foreign transaction fees
- Includes Mastercard Platinum Benefits like Purchase Assurance, Travel Assistance, Extended Warranty and Car Rental Collision Damage Waiver
- See additional SelfScore® Achieve for International Students details
Purchases Intro APR
0% APR for first 6 months (19.49% variable APR thereafter)
Balance Transfers Intro APR
N/A
Regular APR
19.49 (Variable)
Annual Fee
$0
Credit Needed
No Credit
Discover it® chrome for Students
- Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
- 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter—no sign-ups needed. 1% cash back on all your other purchases.
- Good Grades Rewards: $20 cash back 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 & your FICO® Credit Score for free on monthly statements, on mobile and online.
- Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
- 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.74% - 22.74%.
- See additional Discover it® chrome for Students details
Purchases Intro APR
0% for 6 months
Balance Transfers Intro APR
10.99% for 6 months
Regular APR
13.74% - 22.74% Variable
Annual Fee
$0
Credit Needed
Average
Wells Fargo Cash Back CollegeSM Card
- 0% APR on new purchases and balance transfers for 6 months
- 12.15% to 22.15% ongoing APR, based on your creditworthiness
- 3% cash rewards on gas, grocery, drugstore for first six months
- 1% cash rewards on virtually all other net purchases
- Extra cash rewards earning potential and deals at your favorite stores when you shop our Earn More Mall
- No annual fee
- See additional Wells Fargo Cash Back CollegeSM Card details
Purchases Intro APR
0% for 6 months
Balance Transfers Intro APR
0% for 6 months
Regular APR
12.15% - 22.15% Variable
Annual Fee
$0
Credit Needed
Average
BankAmericard Cash Rewards Credit Card for Students
- Start building your financial future—while earning more cash back for the things you buy most.
- 1% cash back on purchases everywhere, every time.
- 2% at grocery stores and wholesale clubs and 3% on gas, up to $2,500 in grocery/wholesale club/gas quarterly spend.
- No annual fee.
- No changing categories and no expiration on rewards.
- $150 online cash rewards bonus if you make at least $500 in purchases in the first 90 days.
- See additional BankAmericard Cash Rewards Credit Card for Students details
Purchases Intro APR
0% for 12 billing cycles
Balance Transfers Intro APR
3%
of each transaction (minimum $10)
Regular APR
13.99% - 23.99%
Annual Fee
$0
Credit Needed
Average