Credit Cards For College Students

As a college student that spends a great deal of your time investing in your future as opposed to your finances, there is a good chance that your standing credit score doesn't exactly reflect a longstanding history of successful investments, loan payment, or property ownership. Make no mistake-- despite the fact that the best credit cards can sometimes garner the reputation of being applicable only to those with seemingly impossible highs when it comes to their credit score, credit history and card ownership history, there are still a great deal of credit cards out there that can prove to be absolutely ideal for those looking to get started in building themselves a credit score, subsidizing a necessary quality of life while balancing their career with the demands of full time course loads, or even those young adults who need a bit of financial breathing room while putting themselves through college entirely on their own dime.

Below, we've compiled a list of some of what we believe to be the best student credit card offers and applications for those looking to avoid taking on a credit card irresponsibly, when factoring in the limited credit history and challenging financial considerations that go hand in hand with being a student. Be sure to check out the featured cards we've listed below, and you'll be able to make an informed decision regarding your student credit card that you can feel good about.
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JourneySM 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.
  • Enjoy unlimited access to your credit score and tools to help you monitor your credit profile with CreditWise. It’s free and available to anyone, even if you’re not a Capital One cardholder.*
  • Get access to a higher credit line with Credit Steps after making your first 5 monthly payments on time
  • When traveling or studying abroad, you won’t pay a transaction fee on purchases
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Above Average Credit, Fair Credit Student $0 N/A N/A 19.8% (V) Cash Back 5

Discover it® Chrome for Students

  • Discover matches all the cash back you've earned at the end of your first year - automatically. Only for new cardmembers.
  • 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 & FICO® Credit Scores for free on statements & 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 13.24% - 22.24%.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Good Credit, Excellent Credit Student $0 10.99% for 6 months* N/A 13.24% - 22.24% Variable Cash Back Be the first to write one

U.S Bank College Visa® Card

The U.S. Bank College Visa Credit Card puts you in control of your spending on your own terms, helping you get the things you need now while building your credit history to help with future expenses, like buying a new car or renting an apartment.

  • Personalized mobile alerts – Stay in control by getting notified of your balance, upcoming payments and more.*
  • Zero Fraud Liability* – No need to worry, you\'ll never be responsible for unauthorized purchases if your U.S. Bank College Visa® Card or account number is ever lost or stolen.
  • Online account access – Get important account information 24/7 on your computer or mobile device.*
  • Custom payment options – Avoid late fees by setting up your own payment preferences so that you never miss a payment.*
  • No annual fee
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Good Credit, Above Average Credit Student $0* N/A N/A 12.24%* - 21.24% (Variable)* None 1

State Farm® Student Visa®

  • Earn 1 State Farm Loyalty Rewards® point for every $2 spent on eligible purchases.1
  • Earn 3 points for every $1 spent on insurance premium payments, up to $4,000 annually.1
  • Competitive annual percentage rates.
  • Many student discounts provided by Visa.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Fair Credit, Above Average Credit Student $0* N/A N/A 11.49%* - 18.49% (Variable)* None 1

Wells Fargo Cash Back(SM) College Card

The Wells Fargo College Cash Back Visa® card is a great way to start building your credit while you\'re still in college.

  • Get access to online tools and a mobile app that helps you keep track of your expenses.
  • Use your card responsibly and earn rewards with virtually every purchase.
  • Receive 3% cash rewards on gas, grocery, and drugstore net purchases* for 6 months, 1% cash rewards on virtually all other net purchases everyday.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Excellent Credit, Good Credit Student $0* N/A N/A 11.65%* - 21.65% (Variable)* Cash Back 1

Discover it® for Students

  • Discover matches all the cash back you've earned at the end of your first year - automatically. Only for new cardmembers.
  • Earn 5% cash back in new bonus categories like gas, restaurants, Amazon.com, Sam’s Club and more, on up to $1,500 in purchases every quarter you activate. Plus, unlimited 1% cash back on all 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 & FICO® Credit Scores for free on statements & 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 13.24% - 22.24%.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Fair Credit, Above Average Credit Student $0 10.99% for 6 months* N/A 13.24%-22.24% Variable Cash Back Be the first to write one