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
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
12.99-18.99% (V) $0 Excellent - Good

  • 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 12.99% - 18.99%*
  • 5% Cashback Bonus® in categories that change like gas, groceries, restaurants, department stores and more. Limitations apply*
  • Up to 1% unlimited Cashback Bonus on everything else you buy
  • *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®
12.99-18.99% (V) $0 Excellent - Good

  • 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 12.99% - 18.99%*
  • Double Cashback Bonus®* at gas stations and restaurants.
  • $0 Fraud Liability - you will not be responsible for unauthorized charges
  • *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.