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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Petal Cash Back Visa® Card

  • Up to 1.5% cash back after making 12 on-time monthly payments. 1% cash back on purchases right away
  • No fees whatsoever. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee
  • Build credit alongside tens of thousands of Petal Card members
  • Cash flow technology helps applicants without credit history get approved
  • $500 - $10,000 credit limits
  • Petal's mobile app makes it easy to manage your money, track your spending, and automate payments
  • See if you're pre-approved within minutes without impacting your credit score
  • Petal reports to all 3 major credit bureaus
  • No deposits required
  • Card issued by WebBank, member FDIC
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Limited Credit, Fair Credit Consumer $0 N/A N/A 15.24 - 26.24% Variable None Be the first to write one

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
  • Enjoy no annual fee and no foreign transaction fees
  • Get a head start and build your credit with responsible use
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • Pick the monthly due date that works best for you
  • Get customized alerts and manage your account with the Capital One mobile app
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 %* - 26.99% (V)* Cash Back 5

Discover it® Chrome for Students

  • Get $20 statement credit each school year your GPA is 3.0 or higher for up to next five years.*
  • Get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically
  • Earn 2% cash back in popular categories.* Plus earn 1% cash back on all other purchases.
  • Redeem your rewards for cash in any amount.
  • Redeem your rewards for cash at any time.*
  • Your cash back never expires
  • Use your rewards instantly at Amazon.com checkout*
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 15.24%* - 24.24% (Variable)* Cash Back Be the first to write one

State Farm® Student Visa®

  • Earn 1 State Farm Loyalty Rewards® point for every $2 spent on eligible purchases.*
  • Earn 3 points for every $1 spent on insurance premium payments, up to $4,000 annually.*
  • 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 17.49%* - 25.49% (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 13.40%* - 23.40% (Variable)* Cash Back 1

Discover it® Card for Students

  • Get $20 statement credit each school year your GPA is 3.0 or higher for up to next five years.*
  • Get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically*
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more, up to the quarterly maximum each time you activate. Plus earn 1% cash back on all other purchases.
  • Redeem your rewards for cash in any amount.*
  • Redeem your rewards for cash at any time.*
  • Your cash back never expires*
  • Use your rewards instantly at Amazon.com checkout*
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 15.24%* - 24.24% (Variable)* Cash Back 1