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 liket_cc_credit_requiredRelated links
Citi ThankYou<sup>®</sup> Preferred Card for College Students

Citi ThankYou® Preferred Card for College Students

APPLY NOWAt Citi's secure website
  • Earn 2,500 bonus points after spending $500 in purchases within the first 3 months of account opening*
  • 2,500 ThankYou® Points are redeemable for $25 in gift cards, electronics and other great rewards when redeemed at thankyou.com
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • No expiration and no limit to the amount of points you can earn with this card
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*
APPLY NOWAt Citi's secure website

0% intro APR for 7 months on Purchases*

15.49% - 25.49%* (Variable)

No annual fee

Why we like it
  • Earn 2,500 bonus points after spending $500 in purchases within the first 3 months of account opening*.
We least like
  • No introductory APR offer on balance transfers.
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
  • There's no limit to the amount of cash back you can earn, and rewards won't expire for the life of the account
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Pay no annual or foreign transaction fees
  • Fraud coverage if your card is lost or stolen
  • Pick the monthly due date that works best for you

N/A

24.99% (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