Student Credit Cards

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Credit Cards for Students

Looking for your first student credit card or considering a switch? Credit cards for students have low income requirements, flexible payment terms and are a good way to build your credit. If you remain in good standing it's possible to periodically lower your APR (AKA interest rate charged...). Read: Five Things your Credit Card Company Does Not Want you to Know. Many of the applications for credit cards for students offer useful rewards and benefits. If you review them carefully and manage them responsibly you can find valuable college student credit cards.

Selecting the student credit card for you

There are many credit cards for students. To find the right credit card for you, check the "Credit Needed" column on the right. If you are unsure of your credit score, read our article on credit cards for students and your credit score.


APR   Annual Fee Credit
Citi® Dividend Platinum Select® Card for College Students
13.99-21.99%(Variable) $0* Excellent - Good

  • No cosigner required
  • Earn 5% Cash Back on purchases at supermarkets, drugstores, gas stations, convenience stores and utilities (including cable) for 6 months; 1% thereafter
  • Earn at least 2% cash back in popular rotating categories like restaurants, apparel, hotel and more. Enrollment required*
  • Earn a full 1% cash back on all other purchases*


Apply Now



APR   Annual Fee Credit
Citi Forward® Card for College Students
13.99-22.99%(Variable) $0* Excellent - Good

  • APR reduction on purchases when using credit wisely
  • 100 ThankYou Points® each billing period that you pay on time and stay under your credit line
  • Earn up to 1,000 bonus points after you sign up for paperless statements within the first 3 months of account opening
  • No Cosigner required


Apply Now



APR   Annual Fee Credit
Discover® Mix Tape Student Card
13.99-20.99% $0 Excellent - Good

  • 5% Cashback Bonus® in categories that change like department stores, gas, groceries, restaurants, and more.
  • Up to 1% unlimited Cashback Bonus® on everything else you buy
  • No Annual Fee


Apply Now



APR   Annual Fee Credit
Discover® Student Card - Monogram Collection
13.99-20.99% (V) $0 Excellent - Good

  • 5% Cashback Bonus® in categories that change like gas, groceries, restaurants, home improvement stores and more. Limitations apply*
  • No Annual Fee
  • *Click apply to view rates, fees, rewards, limitations and other important information


Apply Now



APR   Annual Fee Credit
Discover® Student Card
13.99-20.99% (V) $0 Excellent - Good

  • 5% Cashback Bonus® in categories that change like gas, groceries, restaurants, home improvement stores and more. Limitations apply*
  • No Annual Fee
  • *Click apply to view rates, fees, rewards, limitations and other important information


Apply Now



APR   Annual Fee Credit
Discover® Student Card - Clear
13.99-20.99% $0 Excellent - Good

  • 5% Cashback Bonus® in categories that change like gas, groceries, restaurants, home improvement stores and more. Limitations apply*
  • No Annual Fee
  • *Click apply to view rates, fees, rewards, limitations and other important information


Apply Now



APR   Annual Fee Credit
Discover® Student Card - Tropical Beach
13.99-20.99% $0 Excellent - Good

  • 5% Cashback Bonus® in categories that change like department stores, gas, groceries, restaurants, and more.
  • Up to 1% unlimited Cashback Bonus® on everything else you buy
  • No Annual Fee


Apply Now



APR   Annual Fee Credit
Discover® Student Open Road®
13.99-20.99% (V) $0 Excellent - Good

  • Double Cashback Bonus® at any gas station and any restaurant.
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rates, fees, rewards, limitations and other important information


Apply Now



APR   Annual Fee Credit
Discover® Student Card with $25 Cash Back Bonus
13.99-20.99% (V) $0 Excellent - Good

  • 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 13.99% - 20.99%*
  • 5% Cashback Bonus® in categories that change like gas, groceries, restaurants, home improvement stores and more. Limitations apply*
  • *Click apply to view rates, fees, rewards, limitations and other important information


Apply Now



APR   Annual Fee Credit
UPside Student Prepaid Visa® Card
N/A N/A Excellent - Bad, No Credit

  • A card truly designed for the 13-25 age group and their parents
  • Full parental control. Safer than cash
  • Parents can load the card online from their own credit card or checking account
  • Instant online funding, great for emergencies when your child is away from home


Apply Now



Student Credit Card Types

There are three fundamental types of student credit cards:

  1. Bank cards, issued by banks (for example, Visa, MasterCard and Discover Card)
  2. Travel and entertainment (T&E) cards, such as American Express and Diners Club
  3. House cards that are good only in one chain of stores (i.e. a Sears charge card)
Many people, especially students, are rejected after filling out a credit card application because of poor (or lack of) credit. For students who might not qualify for a traditional student credit card, there are prepaid credit cards. A prepaid credit card account is opened by depositing money from your checking account (or parents checking account), into the prepaid credit card account. A prepaid credit card can be used anywhere a regular credit card is accepted. Visit: prepaid credit cards to learn more.