If you’re a college student looking to build credit while earning rewards, a student credit card is a great choice. These cards are designed for students with little or no credit history and can help you establish good financial habits early.
In this guide, we’ll cover:
✅ What is a student credit card?
✅ How student credit cards work
✅ Best student credit cards
✅ How to use a student credit card responsibly
✅ Common mistakes to avoid
Let’s find the best student credit card for you!
What Is a Student Credit Card?
A student credit card is a type of credit card designed specifically for college students who are new to credit. These cards typically offer:
✔ Lower credit limits – To help students manage spending
✔ No or low annual fees – Ideal for students on a budget
✔ Credit-building opportunities – Reports to major credit bureaus
✔ Rewards on everyday purchases – Earn cashback or travel points
📌 Key Takeaway: Student credit cards help young adults build a credit history responsibly.
🔗 Learn More About How Credit Scores Work
Best Student Credit Cards
📌 These student credit cards offer the best benefits for building credit and earning rewards.
🔹 Best Overall Student Credit Cards
| Credit Card | Rewards Rate | Annual Fee | Apply Link |
|---|---|---|---|
| Discover it® Student Cash Back | 5% cashback on rotating categories | $0 | Apply Here |
| Chase Freedom® Student Credit Card | 1% cashback on all purchases | $0 | Apply Here |
| Capital One SavorOne Student | 3% cashback on dining, entertainment, and groceries | $0 | Apply Here |
🔗 Compare More Student Credit Cards
🔹 Best Student Cards for Credit Building
| Credit Card | Credit Limit Increases? | Annual Fee | Apply Link |
|---|---|---|---|
| Discover it® Student Chrome | Yes, automatic review after 6 months | $0 | Apply Here |
| Capital One Platinum Student Credit Card | Yes, credit limit increase after 5 months | $0 | Apply Here |
📌 Key Takeaway: These cards help students build credit and qualify for higher limits faster.
🔹 Best Student Cards for No Credit History
| Credit Card | Best For | Annual Fee | Apply Link |
|---|---|---|---|
| Bank of America® Travel Rewards for Students | Travel rewards | $0 | Apply Here |
| Deserve® EDU Mastercard | International students (No SSN required) | $0 | Apply Here |
📌 Key Takeaway: Great options for students with little to no credit history.
How to Use a Student Credit Card Responsibly
✔ Pay your bill on time – Late payments hurt your credit score.
✔ Keep your balance low – Use less than 30% of your credit limit.
✔ Avoid unnecessary purchases – Don’t overspend just to earn rewards.
✔ Check your credit report regularly – Monitor your credit-building progress.
📌 Key Takeaway: Using a student credit card wisely will set you up for strong financial health.
🔗 Learn How to Build Credit as a Student
Common Mistakes to Avoid with Student Credit Cards
🚫 Making only minimum payments – Try to pay off your full balance each month.
🚫 Missing payments – Late payments damage your credit score.
🚫 Applying for too many credit cards – Hard inquiries lower your credit score.
🚫 Using your credit card for emergencies only – Responsible use builds a credit history.
📌 Key Takeaway: Avoid common mistakes and use your student card to build a solid credit history.
🔗 How to Get Your Free Credit Report
Frequently Asked Questions (FAQs)
1️⃣ Do student credit cards require a co-signer?
✔ Some do, but many offer approval for students without a co-signer.
2️⃣ What credit score do I need for a student credit card?
✔ Most student cards accept applicants with little to no credit history.
3️⃣ Can international students apply for a student credit card?
✔ Yes! Cards like Deserve® EDU Mastercard don’t require an SSN.
Final Thoughts – Start Building Credit as a Student
📌 A student credit card is a great way to build credit, earn rewards, and gain financial independence. Choose the right card and use it responsibly to set yourself up for success.
🚀 “Ready to start your credit journey? Compare the best student credit cards today!”
🔗 Find the Best Student Credit Cards