Banks have become more and more interested in taking over a spot in a college student's wallet. Why? You represent lifetime customer value. If they can bring you in to their ecosystem now, you're likely to remain a customer for years to come.
This means that the banks have incentive to sell you their cards. This can mean valuable welcome offers - inline with those typically reserved for those with established credit. To help you narrow down your search, we've identified some of the best credit cards for students that are currently available.
Earning 1.5% back on all purchases is a best-in-class rate for student cards.
The SavorOne offers high rewards to those that enjoy social experiences like dining out and entertainment. High rewards can also be enjoyed by those that stay in and spend on streaming services and cooking.
Start building your credit without being weighed down by hidden fees. There is a Petal card for those with damaged credit, or a version with better rewards earnings for those that are new to credit or have established credit. See which version you are prequalified for today.
New customers can earn a $50 bonus earned after making their first purchase within the first 3 months from account opening. The APR offered on this card is also very competitive for a student card.
Enjoy up to $600 in cell phone protection when you use your card to pay your phone bill. For international students, a social security number is not required to apply.
Earn 1.5% cash back on all purchases, a very competitive flat earning rate for a secured credit card. The card also offers solid additional perks, like extended warranties on eligible purchases.
|Quicksilver Rewards for Students|
5 / 5
|Best Student Card for Flat-Rate Rewards|
|SavorOne Rewards for Students|
5 / 5
|Best Student Card for Socialites|
|Petal 1 Visa Card|
5 / 5
|Best Unsecured Card for Building Credit|
|Chase Freedom® Student Credit Card|
4.8 / 5
|Best APR + Bonus Offer for Students|
|Deserve® EDU Mastercard for Students|
4.8 / 5
|Best for Cell Phone Protection & International Students|
|Capital One Quicksilver Secured Cash Rewards Credit Card|
4.9 / 5
|Best-in-class Secured Card Rewards|
When you're trying to decide what student credit card might be right for you, here are some things you might want to consider.
1. Is your goal to get an unsecured credit card?
We included one secured card on this list. Why? Because as a student that is new to credit, you might find yourself at risk of overcharging on your card. If you aren't disciplined, you might find that a secured card helps you limit your risk of running up a balance you can't pay off while still helping you learn responsible credit habits.
2. Do you plan to carry a balance?
As a student, you might find yourself carrying a balance from time to time. Specifically, when you have to buy books for the semester. If this sounds like you, consider a card with a low APR. Interest charges will quickly balloon your balance, if you let them.
3. Will you travel internationally?
If your studies will take you abroad, consider a card that doesn't charge a foreign transaction fee. Common foreign transaction fees are about 3%, which can really add up while traveling.
In order to compile our list of the best student credit cards, we reviewed the following factors:
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