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Student Credit Cards

Student credit cards are designed for college students who don’t yet have a full-time income or established credit history. These cards give applicants without a credit history a better chance of approval than mainstream credit cards while still offering perks like 0 percent intro APRs and rewards programs. In most cases, you can upgrade student credit cards to a regular credit card after a year or two of responsible use.

Credit Needed: Fair

  • We'll DOUBLE all the cash back you've earned at the end of your first year. So if you earned $101 cash back, we'll double it to $202—Automatically. Only for new cardmembers.*
  • 5% cash back in categories that change each quarter like gas, restaurants, home improvement stores and more -up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
  • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.*
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0%6 months 10.99%6 months 13.24% - 22.24% Variable* $0

Credit Needed: Average, Fair, Limited

  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • 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
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
N/AN/A N/AN/A 20.24% (Variable) $0

Credit Needed: Fair

  • We'll DOUBLE all the cash back you've earned at the end of your first year. So if you earned $101 cash back, we'll double it to $202—Automatically. Only for new cardmembers.*
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter—no sign-ups needed.* 1% cash back on all your other purchases.
  • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.*
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0%6 months 10.99%6 months 13.24% - 22.24% Variable* $0

About Student Credit Cards

Student credit cards offer a low-risk way for young people to establish a credit history before entering the “real world”. Building up your credit history may seem unimportant when you have things like finals or finding a summer internship to think about, but starting early and building up your credit history is one of the best things you can do for your future self. Without a credit history, you will find it impossible to get approved for a large loan (like a mortgage or auto loan) because your credit history is a critical factor in determining your overall credit score.

Opening a credit card account is the best way to build credit history, and opening a student credit card while you’re still young offers the additional chance to make responsible credit card habits second nature. Even if you don’t need (or want!) a credit card, you should use it monthly to buy some groceries or a tank of gas, making sure that you pay it off in full every month before your monthly statement.