A student credit card is an invaluable tool for building a credit history. The right student card can offer you additional benefits like cash back or rewards points on spending, discounts, and even insurance coverage. But the real value offered by student cards is you can usually get one without an established credit record. You can obtain most of these cards with a co-signer and some cards are even obtainable without one. If you want to kick-start your financial life then choosing the right student card is essential.

Here is a selection of Student Credit Cards shown in order of our highest ranking.

Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
Citi Rewards+℠ Student Card

Citi Rewards+℠ Student Card

APPLY NOWAt Citi's secure website
  • Earn 2,500 bonus points after you spend $500 in purchases with your card within 3 months of account opening; redeemable for a $25 gift card at thankyou.com
  • The Citi Rewards+℠ Student Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap
  • Earn 2,500 bonus points after you spend $500 in purchases with your card within 3 months of account opening; redeemable for a $25 gift card at thankyou.com
  • 0% Intro APR on purchases for 7 months. After that, the variable APR will be 16.49% - 26.49%, based on your creditworthiness
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
  • Get 10% Points Back for the first 100,000 ThankYou® Points you redeem per year
  • No annual fee
APPLY NOWAt Citi's secure website

0% Intro APR on purchases for 7 months

16.49% - 26.49% (Variable)

$0

Good
Journey<sup>®</sup> Student Rewards from Capital One<sup>®</sup>

Journey® Student Rewards from Capital One®

  • 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
  • Enjoy no annual fee and no foreign transaction fees
  • Get a head start and build your credit with responsible use
  • Get Eno®, your Capital One® assistant, to manage your account via text, receive alerts, and shop safer online
  • Pick the monthly due date that works best for you
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • $0 fraud liability if your card is ever lost or stolen
  • Monitor your credit profile with the CreditWise® app, free for everyone

N/A

26.96% (Variable)

$0

Why we like it
  • 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.
We least like
  • No introductory low APR period.
Average, Fair, Limited