Best Student Credit Cards

You have decided to get your credit card while still in college? To get a credit card, you need credit. Yet to qualify for the credit, you want a credit card. At this juncture, students are in the Catch-22 situation! Applying a college student credit card is the smart idea to built your credit early. Many credit cards offer lucrative benefits for students with special rewards and perks. As a student, you are bewildered on choosing your first credit card. Fast Credit Match has done the research and chose the best credit cards hand-picked for students!

Do keep in mind, The Credit Card Accountability Responsibility and Disclosure Act (or the Credit CARD Act of 2009) has changed the ballgame for the young adults under 21. This Act prohibits issuing new credit cards to Americans under 21 years of age. Unless the young adults have an adult co-signer capable of paying off a new credit line.

Best Picks For Business Credit Cards

Best Cash Back Student Card

Discover it® Student Cash Back

Rewards
  • Earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping.
  • Plus, earn unlimited 1% cash back on all other purchases automatically.

Unlimited first year cash back match.

14.49% – 23.49% Variable

3% Intro fee on balances transferred by May 10, 2020 and up to 5% fee for future balance transfers will apply.

No annual fee

  • Get $20 statement credit each school year your GPA is 3.0 or higher for up to the next five years.
  • Get an unlimited dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically .
  • 0% Intro APR for 6 months on purchases.
  • Redeem any amount any time.

Best for gas and good grades

Discover it® Student Chrome

Rewards and Perks
  • Good Grade Reward – Get $20 statement credit each school year your GPA is 3.0 or higher for up to the next five years.
  • Earn 2% Cash Back – At gas stations and restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases automatically

Unlimited first year cash back match.

14.49% – 23.49% Variable

3% intro balance transfer fee, up to 5% fee on future balance transfers.

No annual fee

  • Redeem your rewards for cash in any amount and at any time. 
  • Use your rewards instantly at Amazon.com checkout.
  • $0 Fraud Liability – You’re never responsible for unauthorized purchases on your credit card.
  • Freeze your account in seconds to prevent new purchases with an on/off switch available on both the mobile app and website

No foreign transaction fee

Best low Intro APR card for students

BankAmericard® Credit Card for Students

Rewards and Perks
  • Introductory APR0% for 15 billing cycles, applies to purchases and to any balance transfers made within 60 days of opening your account.
  • Award winning Mobile Banking app that help students stay in control of their finances and make payments.
  • FICO® Score updated monthly for free.

None

14.49% – 24.49% Variable APR on purchases and balance transfers

$0 for first 60 days, then 3%, $10 minimum

No annual fee

  • The best bank for college students.
  • This card comes with our $0 Liability Guarantee and chip technology for additional security when used at chip-enabled terminals.
  • Stay on top of your balances and due dates – Choose from several types of customer email or text alerts and let your phone tell you when payments are due and paid.

3% foreign transaction fee

Best for International students

Deserve® Edu Mastercard for Students

Rewards and Perks
  • 1% cash back on all purchases.
  • Free year of Amazon Prime Student membership

None

19.74% variable

  • N/A, balance transfers are not available.

$0

  • No social security number needed to apply, perfect for international students.
  • Great for credit newbies, no credit history required.
  • No deposit or co-signer required

No foreign transaction fee.

Best for gift cards small purchases and supermarkets

Citi Rewards+℠ Student Card

Rewards and Perks
  • The only card that Rounds Up to the nearest 10 points.
  • 2X points on supermarkets & gas gtationsfor the first $6,000 per year and then 1X thereafter.
  • 10% points back on redemption for the or the first 100,000 points you redeem per year.

Earn 2,500 bonus points after you spend $500 in purchases with your card within  3 months of account opening; redeemable for $25 gift card at thankyou.com

15.49% – 25.49% variable on purchases and balance transfers

3% of each balance transfer; $5 minimum

$0

  • Earn 2,500 Bonus Points after spending $500 in purchases within 3 months of account opening, redeemable for a $25 gift card at thankyou.com.
  • Get 0% intro APR on purchases for 7 months from date of account opening; after that the variable APR will be 14.49% – 24.49% based upon your creditworthiness.
  • Redeem for Gift Cards
    2,500 points = $25 in gift cards
  • Use ThankYou® Points to shop online at Amazon.com or BestBuy.com®

3% foreign transaction fee

Best for cash back and building credit

Journey® Student Rewards from Capital One®

Rewards and Perks
  • 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.
  • Get access to a higher credit line with Credit Steps after making your first 5 monthly payments on time.

No welcome bonus

26.99% (Variable)

No balance transfer fee

$0

  • Enjoy unlimited access to your credit score and tools to help you monitor your credit profile with CreditWise from Capital One®.
  • Autopay – Set up Autopay for your account and your payments will be made automatically every month.

No foreign transaction fee.

Best for cash back on gas, grocery and drugstore purchases

Wells Fargo Cash Back College Card

Rewards & Perks
  • 3% cash rewards earned for up to $2,500 spent on gas, grocery, and drugstore purchases for the first 6 months.
  • Enjoy 1% cash rewards for other purchases.

For the first six months, the Wells Fargo Cash Back College Card earns 3% cash rewards on up to $2,500 in combined gas, grocery and drugstore purchases (then 1%).

12.15% to 22.15%, based on your creditworthiness

Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5

No annual  fee

  • This card offers low intro APR which helps students buy what they need while in college.
  • Flexibility to use cash rewards toward travel, gift cards, merchandise, cash redemption options, and more.
  • Access your FICO® Credit Score, credit education, and tools with Wells Fargo Online.

3% of each transaction converted to U.S. dollars.

Best for traveling students

Bank of America® Travel Rewards Credit Card for Students

Rewards and Perks
  • Earn unlimited 1.5 points for every $1 you spend on all purchases.
  • 25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of your account opening – which can be redeemed for a $250 statement credit toward travel purchases.

25,000 points

16.49% – 24.49% Variable APR on purchases and balance transfers

3% of each transaction (minimum $10)

No annual fee

  • No blackout dates or restrictions and points do not expire.
  • Discover more ways to pay by adding your Bank of America® credit card to your mobile device then shop in-store or in-app using Apple Pay®, Google Pay™ or Samsung Pay.
  •  $0 Liability Guarantee for fraudulent transactions.
  • Intro APR – 0% for 12 billing cycles (applies to purchases)

Pay zero foreign transaction fees on purchases made outside of the United States.