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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% 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:

Average Approved Score: *

Lowest Approved Score: *

Intro APR Balance Transfer APR Regular APR Annual Fee
for for

Discover it® for Students

Great For: Helping students build good credit history.

Credit Needed: Fair

Average Approved Score: 672*

Lowest Approved Score: 629*

  • Fair. 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 at gas stations on up to $1,500 in purchases from July through September 2014 when you sign up*. 1% cash back on all other purchases automatically.*
  • Human. Talk to a real person any time with 100% U.S.-based service.
  • Looks out for you-since each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.*
  • 0% intro APR* on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99%.
  • Click "Apply" to see rates, rewards and other information.
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0% 6 Months See Terms See Terms 12.99% – 21.99%* Variable $0

JourneySM Student Rewards from Capital One®

Great For: Helping students build good credit history.

Credit Needed: Fair

Average Approved Score: 624*

Lowest Approved Score: 558*

  • Earn 1% cash back on every purchase, every month–and pay no annual fee
  • For every month you pay on time, you receive a 25% bonus - that's a total of 1.25% cash back
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Brighten your financial future with responsible credit use - and get rewarded along the way
  • Fraud coverage if your card is lost or stolen
  • There's no limit to the amount of cash back you can earn, and rewards don't expire
  • Pick the monthly payment due date that works best for you
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
N/A N/A N/A N/A 19.8%* Variable $0

Citi® Dividend® Card for College Students

Great For: Earning cash back while building credit.

Credit Needed: Good

Average Approved Score: 697*

Lowest Approved Score: 579*

  • Build credit while earning cash back fast
  • Earn 5% CASH BACK in categories every quarter. Right now, on eligible purchases within the Hilton Portfolio, car rental agencies, movie theaters and theme parks from 7/1/14 – 9/30/14
  • Enrollment each quarter is quick and easy.
  • Earn 1% cash back on all other purchases
  • The total cash back earned with the card is $300 per calendar year. See Citi Dividend Card Reward Program Information.
  • Choose your payment due date
  • No Annual Fee
  • Click Apply Now for pricing details
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0%* 7 months* N/A N/A 13.99% – 23.99%* Variable $0*

Credit Needed: Fair

Average Approved Score: 0*

Lowest Approved Score: 0*

  • No annual fee, no late fee on your first late payment, no overlimit fee and no foreign transaction fee*.
  • 2% cash back automatically 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.
  • 0% intro APR on purchases for 6 months-then a variable purchase APR applies, currently 12.99% - 21.99%.
  • APR won’t go up if you pay late.
  • Free FICO® Credit Score online and on your monthly statement so you can track your score’s progress*.
  • Free text alerts can remind you when your payment is due. And free mobile app helps you stay on top of your account.
  • U.S.-based customer service-anytime, day and night.
  • *Click "Apply" to see rates, rewards and other information.
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0%* 6 Months See Terms See Terms 12.99% – 21.99%* 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.

*This information is provided through a relationship with CreditKarma.com. Credit Karma members have received approvals with these TransUnion New Account credit scores. Please note that because other factors may affect credit card approval, these approval metrics are only guidelines and approval is not guaranteed.