Student Credit Cards

Student Credit CardsFollowing is a list of credit card offers designed for high school and college students. Some of the student credit cards feature 0% interest on purchases and balance transfers for 6 months. Students can also earn rewards with a student credit card. Compare student credit card offers and apply online today.

5 Student Credit Cards Available. Displaying Offers 1 - 5:

Capital One® Student Rewards Credit Card  Editor's Choice

  • No annual fee
  • 2% cash back on restaurants, entertainment, cell phone bills and books
  • 1% cash back on all other purchases
  • A smart way to build credit while earning cash back
  • Get your cash back how you want it, when you want it -- even set up automatic redemptions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A N/A 24.9% (V) None Yes Limited Credit

Citi Forward® Card for College Students

  • No Cosigner required
  • 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 8,500 bonus points after you sign up for paperless statements and make $250 in purchases within the first 3 months of account opening.

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
0%* 7 Months on Purchases* 12.99% - 19.99%* (Variable) None Yes Good Credit

Citi® Dividend Platinum Select® Card for College Students

  • No Cosigner Required
  • Earn 5% Cash Back on purchases at supermarkets, drugstores, gas stations, convenience stores & 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*

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
0%* 7 months on Purchases* 12.99% - 21.99%* (Variable) None Yes Good Credit

Discover® Student More Card

Built for actual exam-taking, power nap-loving students.

  • 5% Cashback Bonus®* in categories that change like travel, department stores, gas, groceries, restaurants, and more means extra money for you, and extra toppings for your pizza.
  • 5% to 20% Cashback Bonus at our exclusive (as in you need to be on the list) online shopping mall.
  • Up to 1% unlimited Cashback Bonus on everything else you buy - from textbooks to toothpaste, automatically.

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
0%* 6 Months* 13.99% - 20.99% (Variable)* None Yes Good Credit

Citi® mtvU™ Platinum Select® Visa® Card for College Students

  • No Cosigner required
  • Earn 5 ThankYou Points® for every dollar you spend at restaurants, bookstores, record stores, movie theaters and video rental stores.
  • Earn 1 ThankYou Point for every dollar you spend on all other purchases.
  • Earn up to 2000 ThankYou Points twice a year for having a good GPA.

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
0%* 7 months on Purchases* 12.99% - 21.99%* (Variable) None Yes Good 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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