Credit Card Guide
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Credit Cards for Students

 

Student credit cards can help students build their credit history. Some cards let students earn reward points that can be used at places where students shop. Some student cards from our partners also offer 0% introductory interest rates, rewards and cash back.

 
     

     
 
Journey® Student Rewards from Capital One®
Journey® Student Rewards from Capital One®

Journey® Student Rewards from Capital One®

 

  • Earn 1% cash back on all purchases, plus a 25% bonus on the cash back you earn each month you pay on time, for a total of 1.25% cash back
  • There's no limit to the amount of cash back you can earn, and rewards don't expire
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Pay no annual or foreign transaction fees
  • Fraud coverage if your card is lost or stolen
  • Pick the monthly due date that works best for you
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/AN/AN/A19.8% (Variable)$0Fair Credit

Discover it® chrome for Students with $20 Cash Back
Discover it® chrome for Students with $20 Cash Back

Discover it® chrome for Students with $20 Cash Back

 

  • Experience our cash rewards with $20 cash back after you make your first purchase within 3 months of approval.*
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on your first late payment. And paying late won't increase your APR.*
  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter - no sign-ups needed.* 1% cash back on all other purchases.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • Call for 100% U.S.-based customer service day or night. Or get text alerts when your payment is due. And free mobile app helps you stay on top of your account.
  • New Freeze It℠ on/off switch lets you prevent new purchases, cash advances and balance transfers. Freeze or unfreeze your account in seconds via our website or mobile app.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/A10.99%6 months12.99% - 21.99% Variable*$0Fair Credit

Discover it® chrome for Students
Discover it® chrome for Students

Discover it® chrome for Students

 

  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on your first late payment. And paying late won't increase your APR.*
  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter—no sign-ups needed.* 1% cash back on all your other purchases.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • Call for 100% U.S.-based customer service day or night. Or get text alerts when your payment is due. And free mobile app helps you stay on top of your account.
  • New Freeze It℠ on/off switch lets you prevent new purchases, cash advances and balance transfers. Freeze or unfreeze your account in seconds via our website or mobile app.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card.
  • 0% intro APR* on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99%.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
0%
6 months10.99%6 months12.99% - 21.99% Variable*$0Fair Credit

Discover it® for Students with $20 Cash Back
Discover it® for Students with $20 Cash Back

Discover it® for Students with $20 Cash Back

 

  • Experience our cash rewards with $20 cash back after you make your first purchase within 3 months of approval.*
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on your first late payment. And paying late won't increase your APR.*
  • 5% cash back in categories that change each quarter up to the quarterly maximum when you sign up.* Plus, 1% cash back on all other purchases.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • Call for 100% U.S.-based customer service day or night. Or get text alerts when your payment is due. And free mobile app helps you stay on top of your account.
  • New Freeze It℠ on/off switch lets you prevent new purchases, cash advances and balance transfers. Freeze or unfreeze your account in seconds via our website or mobile app.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
N/A
N/A10.99%6 months12.99%-21.99% Variable*$0Fair Credit

Citi ThankYou® Preferred Card for College Students
Citi ThankYou® Preferred Card for College Students

Citi ThankYou® Preferred Card for College Students

 

  • Earn 2,500 bonus ThankYou® Points after spending $500 within the first 3 months of cardmembership.
  • 2 ThankYou® Points per dollar spent on purchases for dining at restaurants and entertainment.
  • 1 ThankYou® Point on other purchases.
  • Points do not expire and earn unlimited Thank You Points with this card
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
0%*
7 months on Purchases*N/AN/A13.99% - 23.99%* (Variable)$0*Good Credit

Discover it® for Students
Discover it® for Students

Discover it® for Students

 

  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on your first late payment. And paying late won't increase your APR.*
  • 5% cash back in categories that change each quarter up to the quarterly maximum when you sign up.* Plus, 1% cash back on all other purchases.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • Call for 100% U.S.-based customer service day or night. Or get text alerts when your payment is due. And free mobile app helps you stay on top of your account.
  • New Freeze It℠ on/off switch lets you prevent new purchases, cash advances and balance transfers. Freeze or unfreeze your account in seconds via our website or mobile app.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card.
  • 0% intro APR* on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99%.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
PurchasesBalance TransfersRegular APRAnnual FeeCredit Needed
Intro APRIntro PeriodIntro APRIntro Period
0%
6 months10.99%6 months12.99%-21.99% Variable*$0Fair Credit

 
     

Student Credit Cards Tips
 

Credit cards for students offer numerous advantages in addition to providing easy access to cash and credit. They enable you to earn cash back or rewards on your expenditures. They also allow you to start building a good credit history, which will be a real plus later in life when you are looking to take out loans to buy a car or house.

The cash back or reward earnings on college student credit cards vary from 1% to as high as 5% for different types of purchases. To compare credit cards, read through the terms and conditions to determine which card will give you the highest rewards on your most frequent expenditures. Some student credit cards even reward you points for maintaining a good GPA and paying on time.

Points can be redeemed for a variety of rewards, including cash back, plane tickets, concert tickets, gift cards, and in some cases exclusive mtvU Rewards, like VIP passes to Spring Break, Studio Tours, and more. Again, to compare credit card offers, look for the card that offers the rewards that you find most exciting.

Most credit cards for students come with a 0% introductory interest rate for six months. Depending on the card, this rate may apply only to purchases, but in some cases it also applies to balance transfers and cash advances. In short, if you will be using your card for cash advances or balance transfers in addition to purchases, look for a card that offers a 0% introductory rate on these services.

College credit cards offer great advantages if you pay the balance in full every month. It is best, however, to avoid using your card as a supplemental student loan. Once the introductory rate expires, student credit cards charge a fairly high APR, from 12.99% and up.

 
     

 
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Questions About Student Credit?

Watch our Google Hangout
Aired on Tuesday, June 18th 2013

On our panel, we had Martin Dasko from Studenomics, Rebecca Barry from the University of Arizona’s Credit-Wise Cats, and Susan Knox, author of the book “Financial Basics: A Money Management Guide for Students.” Our credit expert-at-large Erica Sandberg (you know her from our Ask Erica column) moderated the panel.

Topics we discussed include:

  • How students can know if they're ready for a credit card
  • What college students find most confusing about credit
  • Risks of co-signing credit cards

 

 
     

 
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