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Regular Credit Cards


The credit cards below are good regular credit and charge cards for older students and college graduates with good credit that are looking for a credit card with great rewards and benefits. These cards differ then other student credit cards in that they have a lower APR, but usually higher credit criteria.

More Established Credit Cards

To find the right credit card for you, check the "Credit" column on the right.


APR   Annual Fee Credit
Capital One® Classic Platinum Credit Card
19.8% (V) $39 Fair

  • 0% intro APR on purchases until February 2014
  • $0 Fraud Liability if your card is lost or stolen
  • Enjoy MasterCard benefits, including 24-hour roadside assistance and extended warranty protection
  • Pick an image for your card - choose the one shown here, any of the hundreds in our collection, or add your own


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APR   Annual Fee Credit
Discover it® for Students
12.99-18.99% (V)* $0 Fair

  • The new Discover it® card is out to change the way people think about credit cards.
  • Fair...No annual fee. No overlimit fee. No foreign transaction fee and no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying late.*
  • Generous...5% cash back in categories that change throughout the year like gas, restaurant, movies, and more up to $1,500 in purchases with free and easy sign-up. And 1% cash back on all other purchases.*
  • Plus a Cashback Conciergesm who guides a free, personalized online tour to help you get the most rewards for how you use your card. *Click apply for Terms and Conditions.


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APR   Annual Fee Credit
Discover it® for Students with $20 Cashback Bonus
12.99-18.99% (V)* $0 Fair

  • The new Discover it card is out to change the way people think about credit cards.
  • Fair...No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying late.*
  • Generous...5% cash back in categories that change throughout the year like gas, restaurant, movies, and more up to $1,500 in purchases with free and easy sign-up. And 1% cash back on all other purchases.*
  • Plus a Cashback Conciergesm who guides a free, personalized online tour to help you get the most rewards for how you use your card. *Click apply for Terms and Conditions.


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APR   Annual Fee Credit
Capital One® Platinum Credit Card
24.9% (V) $0 intro for the first year; $19 after that Fair

  • $0 intro annual fee for the first year; $19 after that
  • Image Card - personalize your card with an image of your choice
  • $0 Fraud Liability if your card is lost or stolen
  • Monitor your spending with text message alerts


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APR   Annual Fee Credit
Barclaycard® Rewards MasterCard®
24.99%* (Variable) $0* Fair

  • 0% Introductory APR for 6 months on purchases
  • 0% Introductory APR for 6 months on balance transfers
  • Earn 2 points per $1 on gas, grocery, and utility purchases
  • Earn 1 points per $1 everywhere else


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Choosing the Right Credit Card

Not sure if any of those cards are right for you? If you are unsure of what card will work for your situation, check out the best student credit card offers.