Student credit cards are an excellent tool to help build your credit and earn rewards while enrolled in school. But which is the best? We’ve narrowed the choices down for you to find the best student credit cards out there.
A first-time credit card can be an intimidating commitment for some and, more so, a difficult one to navigate and understand. With a long list of options, finding the student credit card that best works for your needs and spending habits can be challenging. When analyzing starter credit cards for students, there are a few key benefits and elements to keep in mind.
First, a credit card is an excellent way to build your credit history. By using a credit card, you can demonstrate an ability to manage credit responsibly. Over time, that history — expressed through your credit score — will help prove to potential lenders that you are capable of repaying your loans. And you’ll have an easier time qualifying for things like a car loan or an apartment. Even your future employer may decide to check your credit history. Some card issuers offer several benefits that you may qualify for as a student, including lower interest rates and extra perks for earning good grades!
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MoneyGeek’s Take: Top Credit Cards for College-Aged Students & Adults
College-aged students interested in learning how to use credit responsibly and building their credit history may find it useful to have a credit card in their wallets. That way, even everyday purchases, like textbooks and meals out with friends, can help set them up for their future success. To help find the card that best fits your needs, we evaluated about 21 different student credit cards and analyzed their offers and benefits. From these cards, we selected a handful of the best starter cards for students and young adults.
Summary of Top Cards
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If you are a young adult not currently enrolled in school, a secured credit card could be a good option. These can equally help build your credit score while giving you purchasing flexibility.
Every month, we evaluate and analyze the best student credit card offers. Many credit cards offer introductory offers as an incentive to get new customers. These offers are a great way to benefit from a new credit card product in your wallet. The introductory offers can range from matched cash back to travel rewards.
The best student credit cards combine valuable introductory offers and benefits that extend throughout card membership so that students can benefit throughout college from each card.
Best First Credit Cards for Students and Young Adults
The top starter credit cards for active students are based on a few factors: low fees, offers to earn cash back and incentives to pay on time. These factors are a great way to encourage responsible credit use and keep fees and interest to a minimum.
Chase Freedom Student
A solid card with rewards students are sure to appreciate
Limited-FairCredit Needed
$0Annual Fee
1% Cash BackRewards Rate
1xRewards Rate on Online Shopping
1xRewards Rate on Groceries
The unlimited 1% cash back on purchases is a solid and straightforward way for students to accumulate rewards while also building good credit habits. Unlike some cards, there are no limits or rewards categories to keep track of, which is ideal for on-the-go students who don't want to spend the time trying to maximize the use of a particular rewards program.
In addition, the one-time introductory offer is accessible and should be relatively easy for students to earn, given all of the upfront costs associated with starting a new semester.
Finally, Chase's partnerships with DoorDash and Lyft offer students the opportunity to earn extra benefits for a limited time. Through March 2022, cardholders will receive 5% cash back on all rides booked through Lyft. And they'll also get three months free of DashPass and a discounted membership rate after that — a valuable benefit that will make those late-night study sessions a little more pleasant by ensuring you won't be cramming on an empty stomach even if the campus dining hall is closed.
Pros
No annual fee
One-time $50 bonus for new cardholders after making a purchase within the first three months of account opening
Unlimited 1% cash back on purchases
Additional limited-time benefits through Chase’s partners: DoorDash and Lyft
Cons
3% foreign transaction fee
Cardholders receive unlimited 1% cash back on purchases.
Rewards don’t expire.
A bonus of $20 per year for the first five years is awarded to customers in good standing on card anniversary.
There’s no annual fee, but travelers should be aware that there is a 3% foreign transaction fee.
Students receive access to their credit score via the online or mobile banking portal.
Disclaimer: We work hard to stay updated with the latest information, but card offers are always changing, and in some cases, the offer listed on our site may no longer be available.
Best student cash back card for limited credit history
None-PoorCredit Needed
$0Annual Fee
1% Cash BackRewards Rate
1xRewards Rate on Online Shopping
1xRewards Rate on Groceries
This card has no annual fee, provides cell phone protection and offers a solid cash back rate: 1% back on all purchases. Students also receive one year free of Amazon Prime Student after spending $500 in the first three billing cycles — a spending requirement many students will likely find easy to meet if they open this account at the start of a new semester.
Finally, this card doesn’t charge any foreign transaction fees, making it ideal for anyone looking to study abroad.
Pros
Earn 1% cash back on all your purchases
There is no annual fee or foreign transaction fee
You will have complimentary Amazon Prime Student for a year
Complimentary cell phone protection when you use your card to pay your cell phone bill
Do not need a Social Security Number (SSN) to apply
Access to Mastercard Platinum benefits
Cons
High APR on purchases
Students earn 1% cash back on all purchases.
There’s no annual fee, nor are there foreign transaction fees.
Cardholders receive Amazon Prime Student for one year.
Cell phone protection (up to $600) is included when you pay your phone bill with your card.
Mastercard Platinum benefits, such as rental car insurance, are included.
Easy-to-use app helps you manage your account and pause access to your card if you misplace it — all on the go.
Disclaimer: Card offers are always changing, and in some cases, the offer listed on our site may no longer be available.
Best student credit card with up to 1.25% cash back
Limited-FairCredit Needed
$0Annual Fee
1.25% Cash Back*Rewards Rate
1xRewards Rate on Online Shopping
1xRewards Rate on Groceries
This card offers 1% cash back on all your purchases, which may make paying top dollar for those textbooks slightly easier on the wallet. Paying your bill on time boosts that cash back to a total of 1.25% for the month. Plus, you earn $5 per month for 12 months on select streaming subscriptions.
These features are great for college students because they incentivize building healthy financial habits and provide discounts on recurring bills like Netflix and Hulu subscriptions.
Finally, this card has zero foreign transaction fees, which is an excellent feature for international students or those who anticipate studying abroad.
Pros
Earn 1% cash back on all your purchases, with a jump to 1.25% cash back when you pay your bills on time.
There is no annual fee or foreign transaction fee.
After six months, Capital One will reexamine your credit profile to see if you are eligible for a higher credit line. This can give students more purchasing power and flexibility without opening another card.
Earn $5 per month in statement credits on select streaming subscriptions for the first 12 months when you pay on time.
Cons
High APR on purchases
Lack of robust benefits
Cardholders receive 1% cash back on all purchases.
Pay your bill on time and receive a 0.25% cash back bonus on top of that.
A $5 credit is applied monthly to select streaming subscriptions (for the first year).
$0 fraud liability policy provides peace of mind.
There are no foreign transaction fees, which is great for travelers.
You have unlimited access to CreditWise from Capital One so you can check in on your credit profile at any time.
There’s no cosigner required, although one may be helpful.
When making purchases online, you can generate virtual card numbers so that your actual card number is kept private.
Disclaimer: We work hard to stay updated with the latest information, but card offers are always changing, and in some cases, the offer listed on our site may no longer be available.
A solid no-frills credit card with opportunities to repair or build credit
Poor-FairCredit Needed
$59*Annual Fee
3# of Reporting Bureaus
24.90%APR
The Destiny Mastercard is a solid option for those with a limited or poor credit history. While the card is sparse on benefits — it doesn’t offer cash back or travel rewards, for example — it could be a good pathway for those with no or less-than-perfect credit to raise their credit score and may even help those looking to rebuild their credit after bankruptcy.
One thing to note: Applicants will be considered for two versions of the card: both have a credit limit of $300, but the fees may vary depending on which card you are approved for. Before applying and accepting the card, make sure you understand the terms and conditions relevant to the card you receive.
Pros
Monthly reporting to all three credit bureaus
Fast response to application
Quick pre-qualification without impacting your credit score
Choice of card design
Quick response to application
Cons
High interest rate (26.99% APR)
Lack of robust benefits
The card is unsecured, and the credit limit is up to $300.
There’s no need to put down a security deposit.
The quick prequalification process won’t affect your credit score.
Card design is customizable.
Annual fees vary based on which version of the card you’re approved for.
Disclaimer: Card offers are always changing, and in some cases, the offer listed on our site may no longer be available.
Our lists of the best credit cards are based on publicly available data from card issuers and other reputable sources like the Consumer Finance Protection Bureau. We review each card's fees, interest rates, rewards, benefits and more to assign a rating for each feature. These ratings are stack ranked and weighted for each card category to determine our top selections for each type of user. Learn more about our data collection and ranking process.
Top Ranking Criteria for Student Credit Cards
Regular APR
Total Fees
Rewards & Benefits
Quick Tips for Comparing Student Credit Card Offers
Comparing credit cards can be a daunting task, but it is important to keep these questions in mind when examining credit card products:
1
How likely is it that you will be approved for the card based on your credit score?
2
What benefits does each card offer (i.e., cash back, travel rewards, etc.)?
3
Do the card(s) you are looking at offer features that are important to you, such as cell phone insurance or travel coverage?
4
What fees does each card have (i.e., annual fee, foreign transaction fee, APR)?
Once you have a list of each card’s features and fees, find out what information is needed to apply for each card. It will likely include the applicant’s name, address, phone number, email, Social Security number, proof of income and college/university information.
When comparing offers, the best rule of thumb is to always keep in mind your needs and wants and then select the card that best matches those needs.
Student Credit Cards Compared
Quickly compare the top credit cards for students in the table below.
The links in the table below will take you to our partner's site, CardRatings.com, where you can compare and apply for a selected credit card.
What Parents & Students Should Know When Applying for a Credit Card
When first applying for a credit card, there are several factors to take into consideration. A credit card, despite what many financial pundits say, is a financial tool. However, that tool can be used properly or abused.
So the first thing parents and students should understand is the pros and cons of using a credit card.
Pros & Cons of Student Cards
Pros
Earn rewards on purchases
Build credit history
Learn financial responsibility
Spending flexibility
Access to credit card benefits, such as travel insurance
Cons
Some can lose control of spending
High interest rates for consumers who have revolving balances
Improper use could lead to mounting credit card debt
Has the potential to harm your credit score significantly
How to Find & Apply for A First-Time Credit Card
Once you fully understand the pros and cons of having a credit card in college, you can begin the next steps of analyzing your spending habits and researching the different card options to find the best student credit card for you.
1
Analyze Spending Habits & Responsibility
While in college, your income may be limited, and having a student credit card may tempt you to spend beyond your means. Before applying for a student credit card, it’s important to analyze your level of financial responsibility. If you understand the principles behind credit cards and know the risks and rewards of utilizing credit, then a student credit card may be a good fit for you. If you struggle to control your spending, a prepaid debit card or secured credit card may be a better solution.
2
Gather Personal Information
After that, the next step is to gather basic personal information. A student will need their address, Social Security number, income, employer information (if applicable), and school information to apply for a credit card. Depending on the credit card issuer, you may only need some of this info.
3
Compare Different Offers & Card Options
Then begin analyzing the different student credit cards available. It is important to not simply apply for the first one you find as each card will offer different benefits, rewards, features, APR and bonuses (if applicable). So take the time to read through a few cards to find one that best fits your spending habits and offers the best benefits for your needs.
4
Find the Right Card & Apply
Once you have selected a card that fits your needs, go ahead and start the application process. A student credit card application process should take no longer than 10 minutes. Once you hit apply, the credit card issuer will review your application, check your credit score using your Social Security number, and will likely give you a decision within 30 seconds of applying.
What to Do if You’re Declined for A Student Card
If you have been approved, congratulations! Your card will be sent to you in the mail, and you should receive it within a few days. If you were declined, don’t fret. There are a few steps you can take from here.
1
Call or Submit Reconsideration Request
In some cases, if this is your very first credit application and you have no credit history at all, the card issuer may need to verify your identity and other information before they can approve you.
To do this, search for “______ (insert card issuers name) reconsideration line.” You will likely find a phone number you can call to speak with customer service about your application.
2
Apply for a Different Card or Get a Secured Card
If this method still does not work, you can always try applying to a different credit card issuer or start building your credit through a secured credit card.
3
Become an Authorized User
Another option is simply to have a parent add you as an authorized user on their credit card. However, they are ultimately responsible for your purchases, so if they are open to the idea, be sure to speak with them about a payment plan to repay them for your purchases.
HOW CAN PARENTS HELP?
As for parents, there are several things you can do in regards to a decision about a student credit card.
You can decide to cosign onto the student credit card. However, know that you will be held financially responsible if your child does not pay the bill.
If you currently have a credit card of your own, consider adding them as an authorized user, even if you don’t plan on giving them access to the card. It will help build their credit history and bring their credit score up over time.
Benefits to Establishing Credit Early On
Focusing on school and your academic performance is incredibly important, but considering your life post-college is just as important. And while a student credit card may seem like a small task, starting with baby steps such as this can open up financial doors in the future. Keep in mind that there are also immediate benefits to having a student credit card.
Immediate Benefits of Having a Student Card
Spending flexibility:
Unlike a debit card that immediately pulls money out of your checking account, a credit card statement is not due for several weeks after the purchase, thus giving you spending flexibility when needed.
Rewards potential and other perks:
Depending on the type of credit card you choose, you can earn valuable rewards, like cash back or travel rewards, for your purchases while building or improving your credit score at the same time.
Everyone must start somewhere, and building your credit is a financial milestone that will help open doors for students after graduation.
Better buying or leveraging power:
Paying bills on time and managing your student credit card responsibly can eventually set you up for success post-college because it is the core component that financial institutions refer to when you are applying for things such as a mortgage, car loan, leasing an apartment and refinancing your student loans.
Better employment opportunities:
This does not mean a great credit score will land you a great job, but a bad credit score can impact employment opportunities for some companies. Depending on the job, an employer may check your credit score during the application process.
Common Questions Students Have About Credit Cards
Starting the journey down the line of credit cards can be intimidating and tricky, but it can be done. Here are some of the most frequently asked questions about student credit cards to hopefully help answer any remaining questions you may have about student credit cards.
No, you do not. However, you may have difficulty getting your first credit card with little or no credit history and limited income. The Credit Card Act of 2009 is a great reference guide to help you understand your rights as a credit card customer. One of the rules listed is credit card companies cannot issue a card to anyone under 21 unless they have a cosigner or show proof that they can repay their debt. It also explains how credit card fees work, your rights if your credit card is lost or stolen and what to do if there are sudden changes in the card’s terms.
Unless your parent has access to the credit card online login, they will not see the purchases you make on your credit card. However, because they are a cosigner, they can call customer service to inquire about recent purchases.
Regardless of your acceptance status to your preferred college, you must be 18 years old to apply and receive a student credit card. However, it is advantageous to get a student credit card as early as possible so you can begin building your credit history.
Each circumstance and credit card issuer is different, so be sure to speak with your issuer to see what your options are with your student credit card. With regular use and on-time payments, your issuer will look at your profile more favorably and will likely be more inclined to increase your credit limit or move you into a different credit card product.
Each student credit card has different upgrading possibilities. In some cases, it may not be possible to upgrade your card. Instead, you may have to close the one card and open up a new card with either the same issuer or a different one. But some card issuers do offer the option to transition to a traditional consumer credit card after college. If you desire to upgrade your card after college, it is best to contact the card issuer before applying to explore your options.
Credit limits can vary widely depending on your credit profile. They can be as low as $100 or as high as $10,000.
There is no income requirement for a student credit card. However, credit card issuers will ask for your income to determine if they can approve you for a line of credit, as well as how much credit line to allot. Also, you will need to show proof that you’ll be able to pay the debt back.
Yes. However, you will need a cosigner to back up the line of credit. Without a cosigner, the credit card issuer will not approve your application.
Yes. Because you use your Social Security number when you apply, it is tied to your credit score. And as long as you use your student credit card responsibly and pay your bill on time each month, your credit history will build.
Yes. However, it may not be easy to get one without a cosigner. If you can’t get a student credit card because of your bad credit, consider an alternative payment method such as a prepaid debit card or secured credit card.
If you cannot get a student credit card, you can look at other options such as a regular consumer credit card, prepaid debit card or secured credit card.
Your GPA does not affect your credit card eligibility or score. However, some student credit cards offer incentives for students who maintain a certain GPA.
Yes, international students can get credit cards. If you can obtain a Social Security number through your student visa, or an individual taxpayer identification number (ITIN), you will be able to apply for a credit card.
How Parents Can Help Their Student Better Understand & Manage Credit
Parents have an excellent opportunity to teach their children about the importance of credit and how to use and manage the credit allotted to them properly. While getting approved for a credit card for the first time can be exciting to a young adult, it can also quickly turn into a financial disaster if misused or mismanaged. So you’ll want to make sure to have several discussions with them on how credit works beforehand.
1
Share Personal Experience & Importance of Credit
Go over the importance of credit and how properly managing their credit score can give them the financial foundation to have more financial choices rather than less. In addition, reflecting on your own experiences with credit cards may give great insights that your child can use.
2
Discuss Budgets & Implications of Poor Money Management
Talk to them about managing credit, including what cosigning means, budgeting tips and responsible spending habits. Without these insights, it could leave them vulnerable to making crucial mistakes with their credit.
TIP FOR PARENTS OR GUARDIANS
Keep in mind as the parent or guardian, if you decide to become a cosigner, that there are risks.
The largest risk is that if the person who is the primary cardholder is unable to pay their statement, the cosigner is equally responsible for paying the balance.
And if the primary cardholder were to default, debt collection agencies can contact you and place an unfavorable mark on your credit report.
Common Questions Parents Have About Student Credit Cards
While we have provided extensive information about student credit cards, it’s natural to have many questions. Here are some of the most common.
Yes, they can. All they will need is their Social Security number. However, per the Credit Card Act of 2009, card issuers will ask for anyone between the ages of 18 to 21 to either have a cosigner or prove they have the income to pay their debts back.
Yes, they can. All they need to get a credit card on their own is their Social Security number. Per the Credit Card Act of 2009, a cosigner is no longer an across-the-board requirement. But card issuers may still recommend a cosigner for cardholders looking for a lower APR or higher credit limit. And regardless, the applicant will still be asked for proof of income.
Cosigning on a credit card means the credit card company will also check your credit to approve the person you are cosigning for. In addition, cosigning on a credit card makes you responsible for paying back the balance if the primary cardholder does not fulfill their obligation.
Potentially, yes. Anytime you allow your name to be attached to applying for credit, your credit score will be checked. When you have an additional inquiry added to your credit report, you may see a small decrease in your score.
No. It can be anyone over the age of 18 who is willing to assume financial responsibility for repaying the card’s balance.
To have your own credit card, you must be at least 18 years of age. However, minors can be added as authorized users onto someone else’s credit card account.
A credit card is a large responsibility as no one will restrict you from spending as you please. However, a credit card is a great financial tool to earn credit card rewards for your spending, as well as building your credit history. If you or someone you know is a college student interested in a credit card, it is important to analyze their spending habits to see if they can spend responsibly.
If a student credit card isn't the right solution for you, consider other payment options such as prepaid debit cards, personal loans or a secured credit card.
Student credit cards are great tools for your everyday spending while you are enrolled in school. It allows you payment flexibility, the ability to earn cash back rewards and build your credit score early into adulthood. However, make sure not to spend more than you can afford, as the interest penalties can quickly grow.
But if you can manage your spending responsibly and avoid interest charges, the benefits of using a student credit card can be outstanding.
Tips From the Pros: Finding & Using the Right Student Card
To help you make wise decisions about student credit cards, MoneyGeek consulted with professionals and subject matter experts with a wide range of backgrounds. All views expressed are those of the contributor.
Many students are not educated on credit card use, managing spending and debt. What tips do you have for new credit card holders or parents looking to teach their students how to properly use a credit card?
International or immigrant students and DACA recipients may face barriers when applying for a credit card in the U.S. What should they expect when applying for a student credit card and what can they do to increase their chances of approval?
What are the most important factors a student should consider when comparing credit cards?
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Brett Holzhauer is a personal finance reporter that has written for several leading publications and mentioned in many others such as Forbes Advisor, Lending Tree, CNBC and ValuePenguin. An alum of the Walter Cronkite School of Journalism at Arizona State, when he is not reporting, Brett is likely scuba diving, golfing or watching college football. He tweets regularly at @brett_holzhauer.
*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available. Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.