Many issuers dont allow co-signers on credit card applications, but some do. Evan Zimmer MORE: Should I co-sign for my college student's credit card? Banks have a reconsideration line where customers may challenge their decision on a credit card application. Base rewards rate: 1% cash back. However, there may be other common reasons that young people may be denied, such as a mismatch between the information on your application and the information the credit bureau has on file. Your credit score determines whether you qualify for a loan and what kind of terms you get, whether it be an auto loan, a mortgage on a house or even a credit card. The compensation we receive may impact how products and links appear on our site. However, you do need to learn how to manage your credit well so that you don't end up with a large balance. This card also offers a cash-back match at the end of your first year. From valuable cash-back credit cards perfect for a student with an existing (but limited) credit history to student credit cards designed specifically for first-timers with no credit at all, here youll find the perfect mix of no-annual-fee credit cards designed specifically to fit your student needs. The tradeoff is that these cards offer a shorter 0% APR period . It earns 5% cash back on rotating bonus categories on up to $1,500 in purchases each quarter when you activate (1% back on all other purchases). Sign Up Bonus Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. A student credit card can be a valuable tool for building credit at a young age. Earn 3% cash back on dining, entertainment, popular streaming services, and grocery stores (excluding superstores like Walmart and Target) and 1% on all other purchases. 1.5% cash-back on all other purchases. These companies collect the information used to calculate your credit scores. Credit builder features. 2%. So while youll likely graduate to a more premium card in the next few years, youll still want to keep that first card open for the foreseeable future. An introductory APR is available with this student card, too. Best for international students studying in the U.S.: Deserve EDU Mastercard. MORE: 25 ways to make money online, offline and at home. WalletHub makes it easy to find the best American Express student credit card for you. NerdWallet's best no foreign transaction fee credit cards, How to get your annual credit reports from the major credit bureaus, annual fee, reports to all three credit bureaus and doesn't require a FICO credit history. While most credit card applications require you to input your annual income, you do not need a formal job title to be considered for most student credit cards. This card is also great for frequent travelers. Why we like it: The Discover it Student Cash Back offers some of the highest returns for students with 5% cash back on the first $1,500 in purchases from rotating categories each quarter. However, we may receive compensation when you click on links to products or services offered by our partners. WalletHub makes it easy to find the best credit card for international students. You can also monitor your credit score for free to see how well youre building credit. If you have an existing credit history, the Chase Freedom Unlimited is the perfect card to start building a relationship with a premium issuer. Plus, your own feed of TPG content. Previous bonus categories have included grocery stores, gas stations, home improvement stores, Amazon and more. 1%-5 %. Student credit cards are designed for people ages 18-21 who have limited or no credit history. The rewards structure is straightforward: Earn 2% cash back at gas stations and restaurants (on up to $1,000 in combined purchases each quarter) and 1% on everything else. Our recommendations are based on our editors independent research and analysis, and we continuously update our content to reflect current partner offers. In that case, your credit score will likely fall by only a few points due to the hard inquiry on your credit, but these are temporary drops, and scores typically rebound quickly. Dashia is a staff writer for CNET Money who covers all angles of personal finance, including credit cards and banking. Capital One SavorOne Student Cash Rewards Credit Card: You can earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores, with 1% on all other purchases. Create a NerdWallet account for insight on your credit score and personalized recommendations for the right card for you. Just a dollar-for-dollar match. A good credit score is how you show lenders youre not a risk. Its 3% choice category and 2% grocery store/wholesale club category is limited to the first $2,500 spent in combined purchases each quarter before rewards fall to 1%, but most students likely wont be spending that much. Earn 1.5 points monthly for every dollar you spend on eligible net purchases. Now, applicants younger than 21 must provide proof of independent income from a part-time or full-time job, for example or find a co-signer who agrees to pay the bill if they can't. Earn unlimited 1.5% cash back on every purchase, every day. on Bank of America ' s secure site. The worst that can happen is that the issuers decision is not overturned. 1% cash back on eligible purchases right away. Should I co-sign for my college student's credit card? She covered personal finance issues for more than 20 years at Bloomberg and Bankrate.com. Related: TPGs 10 commandments for credit cards. They may have low income eligibility, lower interest rates and student-friendly rewards. You get access to Capital One Travel, which gives you 5% cash back when you use your card to book hotels and rental cars. Some student credit cards also offer extra perks, like no transaction fees or bonuses for certain spending categories. We've put together some of the best credit cards for college students of any type, from those seeking cash back to international students looking to build credit. Pre-qualified offers are not binding. Why we like it: The Capital One Quicksilver Student is a no-frills cash-back card with a simple rewards system. Enjoy a low Annual Percentage Rate on purchases and cash advances. As you charge purchases on your credit card and make on-time payments, you'll begin to see your credit score increase. The Card Act put the kibosh on that. in your wallet. 5% cash back on travel purchased through Chase Ultimate Rewards, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards, and more. This card . Theres no minimum spending or maximum rewards. These cards are easier to qualify for because the deposit limits the risk to the issuer. From reviews to news coverage, she aims to help readers make more informed decisions about their money. When determining the best credit cards for college students, we looked at multiple factors most relevant to young adults. Related: Will authorized user status help you build credit? Many issuers dont allow co-signers on credit card applications, but, Applicants over 21 also must report income, but they can include, income to which they have a reasonable expectation of access, such as the, 25 ways to make money online, offline and at home. All rights reserved. Some credit card issuers offer special cards for enrolled college students. Though we cant review every available financial company or offer, we strive to make comprehensive, rigorous comparisons in order to highlight the best of them. Credit: Dean Drobot - Shutterstock This option provides one of the best college student credit card bonuses. Not every student credit card offers rewards, and they can add another level of complexity to a card, but the benefits outweigh the negatives. Keep reading for our full list, which also includes our top overall picks, best cards for gas, 0% APR cards, secured cards, and more. Before the Credit Card Act of 2009, college students as young as 17 and 18 were bombarded with T-shirts, beach towels and other trinkets to entice them to sign up for a credit card when they set foot on campus. This card lets users earn a flat 1.5 percent . There are no foreign transaction fees, no annual fee and no late fee, making it the perfect place to start for domestic students or for those planning to travel abroad. on Discover's website, or call 800-347-0264. Here is a list of our partners and here's how we make money. Melissa Lambarena is a lead writer on the credit cards team at NerdWallet. It's also a great way to learn how to manage credit and debt before you qualify for a larger credit limit. Cashback. Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart and Target), with 1% on all other purchases, Early Spend Bonus: Earn $50 when you spend $100 in the first three months, Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024, Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges, Enjoy no annual fee, foreign transaction fees, or hidden fees, Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen, Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card, Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal, Build your credit with responsible card use, Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you, Reports to the three major credit bureaus. It has no annual fee, but if you plan to travel abroad, consider another credit card as this one features foreign transaction fees. She has experience covering business, personal finance and economics, and previously managed contracts and investments as a real estate agent. This compensation does not influence our school rankings, resource guides, or other editorially-independent information published on this site. Many part-time jobs, internships and personal freelance work are acceptable as a form of income when applying for a student credit card. 2023 CNET, a Red Ventures company. An emergency credit card can be a great way to have an additional source of funding in times of trouble -- especially if youre going away to school for the first time. Best overall: Capital One Quicksilver Student Cash Rewards Credit Card Best for flexible redemption: Chase Freedom Student credit card Best for building credit: Journey Student Rewards from Capital One Best for dining and entertainment: Capital One SavorOne Student Cash Rewards Credit Card Best secured credit card: Citi Secured Mastercard However, you will need enough income to cover any balances you accrue with your card. Discover it Student chrome: Best for Simplicity and value Capital One SavorOne Student Cash Rewards Credit Card: Best for Bonus cash-back categories Discover it Student Cash Back:. Closing that account (especially if its one of the oldest accounts on your credit report) can have a negative effect on your credit score. If youre studying in a city where theres lots to do, the Capital One SavorOne Student Cash Rewards Credit Card* will be a great choice for you. Youre provided with a credit limit representing the maximum amount of money you can borrow on that specific card for that month. Paying just the required minimum usually isn't enough to pay down your debt in the near future. Best for no fees: Petal 2 Visa Credit Card. When evaluating offers, please review the financial institutions Terms and Conditions. This card also offers a cash-back match at the end of your first year. Readers of this website should contact a professional advisor before making decisions about financial issues. However, this does not influence our evaluations. Choose a credit card that aligns with your needs as a student. Here are our recommendations for the best student credit cards, plus everything you need to know about finding -- and successfully applying for -- the right card. Its also forgiving of your first late payment; youll pay no fee and the interest rate wont go up (after the first late payment the fee is up to $41). The Capital One QuicksilverOne Cash Rewards Credit Card is available to college graduates who have "fair" credit but want to earn cash-back rewards on every purchase. This article includes some material that was previously published on NextAdvisor, a CNET Money sister site that was also owned by Red Ventures and which has merged with CNET Money. Capital One Quicksilver Student Cash Rewards Credit Card: Best for studying abroad. 10%, Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024, Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal, Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where youll get Capital Ones best prices on thousands of trip options. You can increase your rewards rate to 1.5% when you make payments on time. All financial products, shopping products and services are presented without warranty. Most credit cards, student or otherwise, are accepted internationally, but some come with foreign transaction fees that are charged each time you need to make a purchase in another currency. You can use it to build credit and eventually get your deposit back with responsible credit use. And the cash back rewards program gives you extra savings with a 3% rewards rate on dining, streaming, groceries, and other categories. The Bank of America Unlimited Cash Rewards Credit Card for Students is great for people in college because it helps build credit and offers rewards. If you still arent comfortable with your student opening their own line of credit just yet, you can always add them to your personal account as an authorized user. These could make a real difference if they apply to your lifestyle and interests. For more information, see our full review of theDiscover it Student Cash Back. Official application link: Capital One Quicksilver Student Cash Rewards Credit Card. Why we like it: Not only is the Chase Freedom Unlimited a great credit card for students, but its also a valuable card for anyone looking to earn Ultimate Rewards points. The $0-annual-fee Discover it Student Cash Back also reports to all three credit bureaus and doesn't require a FICO credit history. Depending on the card issuer, you may also need at least some existing credit history to qualify. Melissa has a bachelors degree in sociology from the University of California, Los Angeles. Capital. However, keep in mind that this could affect both the credit score of the student and the score of the co-signer on the account, as even one missed payment can significantly impact your credit score. Sign-up bonus: Earn $50 when you spend $100 in the first three months. Not to mention, Discovers Unlimited Cashback Match also applies to this card, to be credited to your account after your account reaches its one-year anniversary. Before coming to CNET Money, she was an editor at NextAdvisor, a personal finance news site that shared a parent company with CNET Money. We believe everyone should be able to make financial decisions with confidence. A student credit card can help you build a positive credit history before you graduate from college. Disclaimer: NerdWallet strives to keep its information accurate and up to date. NerdWallet strives to keep its information accurate and up to date. Read more. You get a higher rewards rate -- 1.5 points per dollar on . Although 6% may seem like a small amount, that means that based on the survey results, 14 million Americans have over $10,000 of . The rewards structure is straightforward: Earn 2% cash back at gas stations and restaurants (on up to $1,000 in combined purchases each quarter) and 1% on everything else. The Chase Freedom Student card is a little more restrictive and less rewarding than others on this list, but it still offers a welcome bonus and a way for students to build credit through responsible use. Ellen Cannon is a former NerdWallet writer covering credit cards. Even without a full-time job, you may be able to qualify for a relatively small credit line. A good. Understand credit card lingo, including the following terms: Check out our comprehensive list of important vocabulary terms in the credit and travel industries at the TPG glossary. Our partners cannot pay us to guarantee favorable reviews of their products or services. The better the credit score, the lower the interest rate will be on credit products, and the less youll have to pay over time. You can use it to build credit and eventually get your deposit back with responsible credit use. full review of the Chase Freedom Unlimited. If youre responsible with your money, it might be time to consider a student credit card. Youll get your own card, and you may even benefit from the primary cardholder's credit history. Or turn $100 into $200. Student Credit Cards (1) Opens Student Credit Cards category page in the same window. The Visa Student Credit Card helps you manage your account while giving you the spending power you need. Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the authors alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Some student credit cards will reward you for using the card responsibly, either by offering an annual bonus or by increasing the rate at which it earns rewards. , college students as young as 17 and 18 were bombarded with T-shirts, beach towels and other trinkets to entice them to sign up for a credit card when they set foot on campus. Wholesale Club Visa Card Acceptance Credit Cards (16) . If you plan on studying abroad, keep in mind that Discover has a lower acceptance rate at merchants than Visa and Mastercard do. Enroll each quarter to earn 5% back on your first $1,500 in purchases in rotating quarterly bonus categories and 1% on all other purchases. If you meet the above requirements, then your main goal with a student credit card is to establish a credit history. Having a higher credit score will lead to you getting more favorable rates and terms when it comes time to apply for credit products. Capital One SavorOne Student Cash Rewards Credit Card. Rewards rates: Enroll each quarter to earn 5% cash back on your first $1,500 in purchases in rotating quarterly bonus categories (then 1%) and 1% cash back on all other purchases. Earn unlimited 1% cash back on all other purchases automatically. Rewards: 1-2% cash back. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. Most student credit cards are pretty bare bones in terms of perks, but there are a few that offer rewards and benefits on par with full-fledged cash-back cards. Get travel perks with this card by earning 1.5 points for every dollar you spend. You get a higher rewards rate -- 1.5 points per dollar on all purchases -- but fewer of the relaxed requirements for credit novices. Do not sell or share my personal information. Student credit cards give young cardholders the opportunity to build credit. Citi Double Cash Card: Best for flat-rate cash-back. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features. Do student credit cards work internationally? 5 credit card mistakes that college students make and how to avoid them. If your issuer reports this information to their respective credit bureaus, then adding your children to your account could give them FICO advantages when theyre ready to apply for a personal card in their (respective) name. The best student credit card for you depends on your needs and preferences, but there are certain variables to look out for. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. All financial products, shopping products and services are presented without warranty. This document will outline what fees -- including annual fees, late fees, penalty fees, balance transfer fees or foreign transaction fees -- your card includes. Opinions expressed here are the authors alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. Reporting to all three credit bureaus. Plus, earn unlimited 1% cash back on all other purchases automatically. Compare the cost in points or miles to cash, and see which option is best. Reporting to all three credit bureaus. Here's what we looked at to determine our top picks: BestColleges.com is an advertising-supported site. Discover will automatically match all the cash back youve earned at the end of your first year! The Petal 2 card, issued by WebBank, may be easier to qualify for than most credit cards and helps to build credit with responsible use while earning a return on your spending. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. Just a dollar-for-dollar match. " While the best card for you will ultimately depend on what type of rewards you want, each card on our list provides substantial rewards at no annual cost. Become an authorized user: In this scenario, someone agrees to add you as a user of their account and is legally responsible for any debt you accrue. These companies collect the information . Or turn $100 into $200. In addition, youll earn a $20 statement credit each school year that you earn a 3.0 GPA or higher for up to the next five years thus rewarding you not only for good credit habits but for good grades. Ellen is a former credit card writer for NerdWallet. Her prior experience includes nine years as a content creator for several publications and websites. Discover will automatically match all the cash back youve earned at the end of your first year! Intro Offer: Unlimited Cashback Match only from Discover. The credit card offers that appear on the website are from credit card companies from which ThePointsGuy.com receives compensation. Sign-up bonus: Cardholders get an unlimited dollar-for-dollar match of all the cash back youve earned at the end of your first year. MORE: NerdWallets best college student credit cards. Rates & Fees. INTRO OFFER: Unlimited Cashback Match only from Discover. Again, though, as a Discover card, it may mean you face somewhat limited merchant acceptance abroad. Lauren Ward is a personal finance writer covering student loans, credit, investing, and more. Getting denied for a credit card can be disheartening, but it certainly shouldnt be the end of your credit journey. Weve specifically chosen the Freedom Unlimited for students who may already have an existing line of credit thanks to their own personal card or by being authorized users on a parents credit card. This is a recurring post, regularly updated with new information. She writes and edits articles about personal finance, with a focus on credit cards, banking and loans. You should consider several factors while looking for your first credit card, including the annual percentage rate, or APR, any fees and the rewards program. ; Earn unlimited 1% cash back on all other purchases automatically. If youre not eligible for a student credit card, other options may exist that can help you build credit. Once youre approved for your credit card, use it to make purchases. The best college student credit cards of May 2023 CNBC Select analyzed 14 college student credit cards, digging into each card's perks and drawbacks, to find the best of the best based. Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Getting your first credit card is a big responsibility. Annual fee: $0 . Earn 1% unlimited cash back on all other purchases automatically. MORE: 5 credit card mistakes that college students make and how to avoid them, MORE: 4 tips for mastering your finances, About the authors: Ellen Cannon is a former NerdWallet writer covering credit cards. Youll want to establish healthy credit habits once you open your card to build your credit and avoid credit card debt. The trade-off with student credit cards, however, is that they typically have less robust rewards programs and fewer cardholder benefits. 1% Theres no minimum spending or maximum rewards. There are cards here that offer more in terms of rewards, but it could be a good way to incentivize responsible behavior thanks to its $20 bonus. We analyzed factors such as ease of approval, student-focused rewards structures and cards without foreign transaction fees. While its not a student credit card, it does work the same way. You can then redeem your points to cover travel expenses. Applying for your first credit card can feel like a catch-22. Some credit cards charge this fee usually 1% to 3% of the transaction on purchases made in a foreign currency. Instead, look for a student credit card with, How to responsibly maximize your card benefits, How to build credit with your student credit card, Petal 2 Cash Back, No Fees Visa Credit Card, Best student card for dining and entertainment, Capital One SavorOne Student Cash Rewards Credit Card. $0 delivery fee. When analyzing student credit cards, there are a few key benefits and elements to keep in mind. The information for the Bank of America Unlimited Cash Rewards credit card for Students has been collected independently by Blueprint. on Discover's website, or call 800-347-0264. Plus, there are no foreign transaction fees when you travel abroad. Based in New York City, Stella is always on the road (or in the air). It also features very few fees. Bank of America Unlimited Cash Rewards credit card for Students. It's smart to compare features on multiple student credit cards to choose the one that best fits your needs. When evaluating offers, please review the financial institutions Terms and Conditions. This may pose a particular obstacle to international students, although there are ways to, apply for a credit card without a Social Security number. She graduated from the University of North Carolina at Chapel Hill with a B.A. It earns rewards and, as a Mastercard without foreign transaction fees, it's travel-ready if you plan to study abroad. The card details on this page have not been reviewed. It has not been provided or commissioned by any third party. The Petal 2 card comes with no fees and a cash back rewards program that starts at 1% cash back. If you want to lead a good financial life, it starts with building a solid credit history through on-time payments. Its pretty simple: Use the card for all of your purchases to earn 1% cash back, with a small $20 bonus for being in good standing after each account anniversary for up to five years. Apply Now. Youll have to activate this bonus each quarter, but you can frequently find useful merchants like gas stations, restaurants or Amazon.com. Additional reporting by Ryan Wilcox, Stella Shon and Christina Ly. The SavorOne credit card gives a $100 signup bonus to cardholders who make $100 in purchases within the first three months. Here's how to be fantastic with plastic. The age of your credit accounts affects your credit and closing an old credit account can even ding your credit score in the long run. As long as you make your payments on time, you'll start accumulating positive entries on your credit report. The Discover it Student Cash Back* has the best value proposition of any student credit card. Official application link: Chase Freedom UnlimitedOfficial application link: Capital One SavorOne StudentOfficial application link: Capital One Quicksilver StudentOfficial application link: Citi Double Cash. Entertainment includes ticket purchases made at movie theaters, sports promoters (professional and semiprofessional live events), theatrical promoters, amusement parks, tourist attractions, aquariums, zoos, dance halls, record stores, pool halls or bowling alleys. To minimize costs and build credit, younger cardholders should use credit responsibly by paying in full each month . Her work has been featured by The Associated Press, New York Times, Washington Post and USA Today. Capital One SavorOne Student Cash Rewards Credit Card: Best for most college students. Thats because you can combine your points into a single account, increasing their value for travel rewards through the Ultimate Rewards portal and enabling your earnings to be transferred to over a dozen travel partners, including United and Hyatt. She has been a writer and editor at Bloomberg and Time Inc. Melissa Lambarena is a credit cards writer at NerdWallet. Capital One SavorOne Student Cash Rewards Credit Card: Best feature: Rewards for students. Researcher American Express Student Credit Card Alternatives There actually aren't any American Express student credit cards. Credit card issuers have no say or influence in our ratings. The Bank of America Travel Rewards Credit Card for Students* offers higher risks and rewards than most other student cards. The Bank of America Customized Cash Rewards Credit Card for Students* is perfect for students thanks to its low spending limit, flexible rewards program and lack of annual fee. When using your card, be sure to: Once your credit score improves and you move on to a credit card with more benefits, you should consider keeping your student credit card account open -- even if you no longer use it. Avoid applying for the first offer that sounds good. In addition to writing for BestColleges, her work has been featured on a variety of platforms, including The Balance, Money Under 30, and Her Money. Previous bonus categories have included grocery stores, gas stations, home improvement stores, Amazon and more. Rewards rates: 5% cash back on travel purchased through Chase Ultimate Rewards; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service; and 1.5% on all other purchases. It has been edited and updated by CNET Money editors. This option provides one of the best college student credit card bonuses. Discover also says that no FICO credit history is required to apply. Once you're comfortable, you could apply for a second credit card to increase your overall credit limit. So you could turn $50 cash back into $100. In some instances, you dont have to be a student to apply for one. Make sure you can qualify, then look for one with no annual fee that reports payments to all three major credit bureaus. This information may be different than what you see when you visit a financial institution, service provider or specific products site. There are many cards available with low or no annual feesas a first-time credit card user, these are best for you. Students can stay in control of their finances and make easy payments using the app, plus monitor their FICO credit score to make sure theyre building credit with responsible habits. Previously, he was a homepage editor and digital content producer for Fox Sports, and before that a front page editor for Yahoo. Discover it Student chrome: Best for Student cards: Simplicity and value Blue Cash Everyday Card from American Express: Best for No-deposit starter card: Foreign credit histories. If you can pay your bill on time each month, preferably in full to avoid interest, you may be up to the task. Just answer a few questions and we'll narrow the search for you. Wells Fargo Active Cash Card. The $0-annual-fee Deserve EDU Mastercard for Students is also welcoming to students without a credit history. Discover will automatically match all the cash back youve earned at the end of your first year! Credit mix (10%): This considers the types of credit you have, including revolving credit (such as a credit card or home equity line of credit) and installment loans (such as an auto loan, student . How old do I have to be to get a credit card? . By John Kiernan, Credit Card Editor on May 15, 2023 Fact Checked: Alina Comoreanu, Sr. of 690 or higher can qualify you for lower interest rates on auto or home loans, saving you money over time. Capital One's Journey Student credit card offers 1% cash back, which bumps to 1.25% when you make your payments on time. Plus, earn unlimited 1% cash back on all other purchases automatically. Opening up your own line of credit as a young adult can be daunting, but the short- and long-term benefits are undeniable. Check here before booking an award fare. Best for everyday spending: Capital One Quicksilver Student Cash Rewards Credit Card Best for flexible bonus categories: Bank of America Cash Rewards Credit Card for Students. And being a student doesnt automatically qualify you for one. You can also get the hang of using your card by enjoying a 0% intro APR for the first six months. Some even offer cash back on purchases or tools to help you build your credit faster. Jaclyn is a CNET Money editor who relishes the sweet spot between numbers and words. Instead, look for a student credit card with no foreign transaction fees if you plan to travel or study abroad. Becoming an authorized user can help you build a positive credit history as long as the issuer reports authorized user activity to the three major credit bureaus, Equifax, TransUnion and Experian. Also, keep in mind that fees, rates, and rewards can change frequently for the latest info about these cards, reach out to the providers directly. A credit score is used to indicate an applicants credit worthiness and may provide guidance about account eligibility. In addition to offering a cash back rewards program, the Chase Freedom Student credit card comes with a $50 bonus when you make your first purchase within three months of opening your account. Terms apply, Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart and Target), Earn unlimited 1.5 points for every $1 you spend on all purchases everywhere, every time and no expiration on points, 1% Youll have to pay a security deposit, which ultimately sets your credit limit. But as you peruse the best options for your credit-building journey, consider which cards offer features that matter to you and rewards structures that align with your spending habits. No caps or limits on the points you can earn, plus you have five years to redeem points for rewards. Teaching your children how to utilize credit responsibly is a valuable skill for their financial lives and your peace of mind. OK92033) Property & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, CA 94105. Why we like it: The Capital One SavorOne Student offers high potential if youre a college student with an active lifestyle. What to do if you can't get a student credit card, A good student credit card won't charge you a fee to carry it. Here is a list of our partners. Theintroductory 0% APR on purchases for the first six months from account opening (17.99% to 26.99% variable APR after that) could buy you some peace of mind that emergency expenses can be carried interest-free for this period of time. After graduating with a journalism degree from SUNY Oswego, he wrote credit card content for Credit Card Insider (now Money Tips) before moving to ZDNET Finance to cover credit card, banking and blockchain news. Many assist with promoting positive financial habits, and most are easier to get approved for than other rewards cards. 15 July 2022 Share Tweet To support our site, we may use links which earn us a commission at no extra cost to you. How to maximize your chances of being approved for a credit card, Do Not Sell or Share My Personal Information. Typically, you'll also need to provide a U.S. Social Security number or at least an Individual Taxpayer Identification Number when applying for any credit card, student or otherwise. For many of these products and services, we earn a commission. If youre in college and want to start building credit, check out these student credit cards, some of which are from our partners. The Chase Freedom Student credit card is the only credit card Chase offers that is specifically geared toward students. Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments. Find out what you can do with it once you graduate. (These rates do not reflect the additional 1.5% back for new cardholders). Her tech interests include Tesla, SpaceX, The Boring Company and Neuralink. A credit score in or above the recommended range means you have a higher chance of approval, but doesnt guarantee it. When not working, she is probably paddle boarding, hopping on a flight or reading for her book club. It does not necessarily guarantee approval for any financial product. Previously, she wrote about personal credit for Bankrate and CreditCards.com. Please view our advertising policy page for more information. Dashia was previously a staff writer at NextAdvisor, where she covered credit cards, taxes, banking B2B payments. NerdWallet strives to keep its information accurate and up to date. She liv Cameren Boatner is a diversity, equity, and inclusion editor at BestColleges. These companies collect the information used to calculate your credit scores. Capital Ones two new credit cards are the best for college students, significant benefits to adding your child to your account. Sign-up bonus: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year). The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. If youre the type of student who values simplicity and wants to ensure that youre earning rewards on all your purchases (rather than in certain spending categories), the Quicksilver Student may be the better choice for you. This site does not include all credit card companies or all available credit card offers. Our partners compensate us. Depending on the issuer, you may receive a decision within a few minutes or a few weeks. The best student credit cards will offer points or cash back rewards on everyday purchases like dining and gas. Understanding how these cards work will help you choose one that's best for you. Youll even earn more rewards for paying on time for 12 consecutive months, meaning its a great habit-forming card. Helping your teen get their first credit card can be a nerve-wracking but worthwhile process. Earn up to 5% cash back on rotating quarterly categories, such as at grocery stores, restaurants, or Amazon. 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service. See what a point or mile is worth with our appraisals of a loyalty programs currency, based on redemption values. Make at . Student credit cards tend to be less generous with rewards and perks, but some exceptions exist. Cardholders get 1% cash back on all purchases, plus a match of all the cash back you've earned at the end of your first year. For this reason, its important to remember that credit cards are not free money. This card offers unlimited 3% cash back on dining, entertainment and popular streaming services, and at least 1% cash back on all other purchases -- this is competitive with our picks for nonstudentcredit cards for restaurants and dining. Typically, you'll also need to provide a U.S. Social Security number or at least an Individual Taxpayer Identification Number when applying for any credit card, student or otherwise. 1% Our opinions are our own. Some items to check off your list include: No annual fee. 1% Offering a generous 3% on four popular spend categories, youll earn tons of cash back in no time. 5%. + 4 others, How to choose the best student credit card. Its important to look at a credit cards terms and conditions to find the APR and fees. Chase Freedom Student credit card: Best for a starter card. The issuer reports your payment history to all three credit bureaus. CNET reviews credit cards by exhaustively comparing them across set criteria developed for each major category, including cash-back credit cards, welcome bonus credit cards, travel rewards credit cards and balance transfer credit cards. Related: How to maximize your chances of being approved for a credit card. If you commute to and from school, the Discover it Student chrome* offers the best consistent cash-back rates available for student credit cards ongas station purchasesand restaurants alike. No annual fee and build your credit with responsible use. Most credit cards require you to be at least 18 years old to apply. This will be important now, while you're on a student budget, but also in the future, when you may be able to qualify for a card with better features. 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 17.99% - 26.99% applies. Her work has been featured by The Associated Press, New York Times, Washington Post and USA Today. Kenley Young directs daily credit cards coverage for NerdWallet. Learn More. The SavorOne Student offers no foreign transaction fees and will be the easiest for approval for students with no existing credit history. A first credit card can be an intimidating commitment for some and, more so, a difficult one to navigate and understand. Picking your first credit card as a student can feel overwhelming. Issuers technically have 30 days to respond to a credit card application. Plus, there are no international transaction fees. Ideally, your student credit card will report to all three major credit bureaus TransUnion, Equifax and Experian. This will be important now, while you're on a student budget, but also in the future, when you may be able to qualify for a card with better features. Already have a student credit card? However, a student credit card is a great way to begin your credit-building journey. Theres no minimum spending or maximum rewards. And while our site doesnt feature every company or financial product available on the market, were proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward and free. Follow these steps to apply for a student credit card: No, you can apply for a student credit card if youre unemployed. Find the right card for you. This information may be different than what you see when you visit a financial institution, service provider or specific products site. Student credit cards. Discover will automatically match all the cash back youve earned at the end of your first year! It may also help you qualify for your first apartment. While the card may have tougher approval odds for a young adult compared to many others on this list, the Freedom Unlimited is a viable option for applicants with good to excellent credit scores, even with a limited credit history. Otherwise, you can find him reading, rock climbing, snowboarding and enjoying the outdoors. Earn 20,000 miles when you spend $500 on purchases in the first 3 months. Plus, new cardholders earn an additional 1.5% back on all purchases (on up to $20,000 in spending) in the first year. Ideally, your student credit card will report to all three major credit bureaus TransUnion, Equifax and Experian. Day-to-day expenses like groceries, gas and dining are common bonus categories for 3%+ cash . Our partners cannot pay us to guarantee favorable reviews of their products or services. It may also help you qualify for your first apartment. Keep in mind that if the primary user misuses their credit card, such as by carrying a balance or missing bill payments, your credit score could suffer from being an authorized user on that card. Compare Student Cards Now. Best Balance Transfer & 0% APR Credit Cards, NerdWallets Best Credit Card Tips for June 2023, Get more smart money moves straight to your inbox. 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, Online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening, 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishing on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter; 2% cash back at grocery stores and wholesale clubs on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter; 1% cash back on all other purchases, $50 Bonus after first purchase made within the first 3 months from account opening. This information may be different than what you see when you visit a financial institution, service provider or specific products site. He currently works with CNET Money to bring readers the most accurate and up-to-date financial information. The Discover It Student Chrome card has a competitive cash back rewards program. And instead of a sign-up bonus, cardholders will enjoy a cash-back match of all of the earnings from the end of your first year. She is passionate about providing accessible content to enhance financial literacy. The Discover it Student chrome has a $0 annual fee, reports to all three credit bureaus and doesn't require a FICO credit history. You need a credit card to build credit, but it can be hard to qualify for most credit cards without already having good credit. Rewards rates: Earn an unlimited 1.5% cash back on all purchases. New cardholders also get a 0% intro APR for the first 15 billing cycles. (11 reviews) Apply Now. NerdWallet's ratings are determined by our editorial team. Featured or trusted partner programs and all school search, finder, or match results are for schools that compensate us. 4 Best Student Credit Cards of June 2023 Winner: Capital One SavorOne Student Cash Rewards Credit Card Learn More Rates & Fees Good Credit: Wells Fargo Active Cash Card Learn More on issuer's website Rates & Fees Low Intro APR & Rewards: Discover it Student Cash Back Learn More on issuer's website Cash Rewards: Early Spend Bonus: Earn $50 when you spend $100 in the first three months. If youre looking to start building credit but feel youre not ready for a credit card, there are some third-party companies that will report your rent payment -- for a fee -- to the three credit bureaus as a way to build your credit. If youre under 18 and not old enough to have your own credit card, you can consider becoming an authorized user on a parent or other family members account. Through her work, she aims to help readers extract value from credit cards to meet financial goals like stretching their budget, building credit, traveling to dream destinations and paying off debt. Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Compare benefits, credit limits, fees, and other features to decide if it's time to upgrade after graduation. While many great rewards credit cards on the market have an outsized value that more than make up for an annual fee, its always a good practice to start slow with a no-annual-fee card early on in your credit journey. In the not-so-distant future, having a line of credit attached to your name will be important when you want to apply for a car loan, a mortgage, or even getting approved for utilities at your first apartment. All financial products, shopping products and services are presented without warranty. Sign up and well send you Nerdy articles about the money topics that matter most to you along with other ways to help you get more from your money. For an explanation of our Advertising Policy, visit. Here are a few habits that can put you on a good path: Keep the card open and active. Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer Access|Licenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812, Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc. (CA resident license no. Theyre typically easy to qualify for because issuers understand that young adults in school tend to have a limited credit history (if any). And if you want to increase your available credit over time, credit limits are automatically reviewed every six months. You also get an annual $60 streaming subscription credit. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Restaurant and gas station purchases also give you a bonus cash back rate of 2%. Track what youre spending, pay your bill in full each month and pay attention to the rewards program to maximize the value you get from the card. The Card Act put the kibosh on that. Most college students should start off with one credit card to get the hang of spending and paying their bills on time each month. You could potentially qualify for a regular credit card while still in college. Chase Freedom Unlimited: Best for students with established credit. You can also get an initial bonus of $50 for spending $100 in the first 3 months. 1% Regardless of the route you take to establish credit, youll have to determine whether youre ready for the responsibility. Only charge what you can afford to pay off each month and always pay your bill on time and in full to avoid interest charges and late fees. OK92033) Property & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, CA 94105. Students have many choices when it comes to picking a first credit card. The flat 1.5% cash-back rate on the card is straightforward, yet it can also provide even more value when you pair the Freedom Unlimited with a more premium Chase card in the future such as the Chase Sapphire Preferred Card or Chase Sapphire Reserve. Also keep an eye out for cards that let you accrue rewards when you spend or offer extra cash when you first sign up. The issuer has its own underwriting methods to determine eligibility based on factors like U.S. bank account data and your contact information. The best cards for sorted by Best student credit cards in Canada Best travel rewards card for students American Express Cobalt Card Annual Fee $155.88 Interest Rates 20.99% /. For the most part, student credit cards work the same way that most credit cards work. Check your score anytime, and NerdWallet will show you which credit cards make the most sense. Some credit cards charge this fee usually 1% to 3% of the transaction on purchases made in a foreign currency. Get a co-signer: This person agrees to pay the bill if you cant, allowing you to get your own credit card account backed by their income and credit history. Still, theyll often respond in a few weeks by mailing an official notice of your denial with a reason (or reasons) why you were not approved. Welcome offer: Earn $200 cash rewards bonus after you spend $500 in first three months. The card details on this page have not been reviewed or provided by the card issuer. 1.5%. Again, though, as a Discover card, it may mean you face somewhat limited merchant acceptance abroad. Its also a good idea to keep your credit card account open as long as possible. If you have no income, consider opening a secured credit card which requires you to provide an up-front cash deposit before using the card or have a parent or guardian add you as an authorized user to their account. And it offers a sign-up bonus, phrased this way: "INTRO OFFER: Unlimited Cashback Match only from Discover. Rewards rates: Earn 2% cash back on every purchase 1% when you buy and 1% when you pay your bill. Just a dollar-for-dollar match. It offers arguably the best cash-back rewards, bestwelcome bonusand a top-rate introductory APR. You'll be able to hold on to your starter credit card at no ongoing cost, preserving the length of your credit history which is a major factor in your credit scores. Some issuers are more transparent upfront about this requirement than are others, but it's possible to find student cards that will approve those with thin or nonexistent credit files. And if youre an international student, it doesnt require a Social Security number to apply. Raina He is an editor at CNET Money. also reports to all three credit bureaus and doesn't require a FICO credit history. DISCLAIMER: The information provided on this website does not, and is not intended to, constitute professional financial advice; instead, all information, content, and materials available on this site are for general informational purposes only. With responsibility for overseeing CNET's credit card coverage, she writes and edits news, reviews and advice. If you consistently save and budget well, youre likely ready to begin building credit via a credit card. Rewards can typically be redeemed for statement credit or a gift card. Official application link: Citi Double Cash Card. Find all the details in ourPetal 2 card review. It has an intro APR offer to help you avoid interest charges and a welcome bonus that shouldnt be too hard to reach so long as youre using the card for your necessary purchases. Will authorized user status help you build credit? Apply Now. Most importantly, as long as the account is managed properly, your children will likely get boosts to their personal credit scores, and itll add more depth to their credit histories. Best Student Credit Cards Capital One SavorOne Student Cash Rewards Credit Card: Best for bonus cash back in student-friendly categories Capital One Quicksilver Student Cash. This can usually be done directly through the credit card issuer, online or over the phone. When evaluating offers, please review the financial institutions Terms and Conditions. Theres not much to keep track of, so its a goodfirst credit card. Its free, activate with the mobile app. Researcher Credit cards for international students are pretty much the same as any other student credit cards (some offers are from WalletHub partners). Its an especially great card for studying abroad since youre avoiding foreign transaction fees and earning 1.5% cash-back on everything whether its a train ticket to a new country or souvenirs at a gift shop. Click through to Discovers website to see terms and conditions. Rewards Rate Earn unlimited 1.5% cash back on all purchases. It's also ideal for international students because you don't need a social security number to apply. . *All information about the Discover it Student Cash Back, Discover it Student chrome, Bank of America Travel Rewards Credit Card for Students, Bank of America Customized Cash Rewards credit card for Students, Capital One SavorOne Student Cash Rewards Credit Card and Deserve EDU Mastercard for Students has been collected independently by CNET and has not been reviewed by the issuer. Evan Zimmer has been writing about finance for years. Intro APR period on Purchases and Balance Transfers. The key to being a successful cardholder is to stay organized. The higher your credit scores, the greater your financial opportunities. Her work has also appeared in The New York Times, Chicago Tribune, The Washington Post, USA Today and Yahoo Finance, among others. And editor at Bloomberg and time Inc. melissa Lambarena is a list of our advertising policy visit... Commitment for some and, as a Discover card, it doesnt require a FICO history! Responsible with your money, it may also need at least some credit... At restaurants, including takeout and eligible delivery service products and services are presented warranty!: best for flat-rate cash-back in combined purchases each quarter, but you can then your... History is required to apply for a student credit cards will offer points or cash back youve at... Company and Neuralink and will be the end of your credit card have... Great way to begin building credit at a credit card as a young adult can be a nerve-wracking but process. Bonus to cardholders who make $ 100 student doesnt automatically qualify you for one with no annual fee reports. Card also offers a cash-back match at the end of your first.! Keep the card details on this site current partner offers click on links to or!, reviews and advice not overturned annual feesas a first-time credit card helps manage. One to navigate and understand services, we may receive compensation when you spend or extra! This website should contact a professional advisor before making decisions about financial issues say or influence our! Cards work chances of being approved for a relatively small credit line readers make informed! Comes with no fees: Petal 2 card comes with no annual fee that reports payments to three! To the issuer, you may even benefit from the University of California, Los Angeles acceptance at. A generous 3 % on four popular spend categories, youll earn of... See which option is best doesnt guarantee it Discover card, other options may exist that can you... Inc. melissa Lambarena is a credit card purchases like dining and gas U.S. Bank which is best credit card for students?... Student-Friendly rewards part-time jobs, internships and personal freelance work are acceptable as a Mastercard without transaction... Done directly through the credit cards Bankrate and CreditCards.com when you visit financial. Ready to begin building credit at a young age mind that Discover a! Youll want to increase your available credit card: no, you can increase your credit! College students, we looked at multiple factors most relevant to young adults back rate 2... Relatively small credit line service provider or specific products site monthly for every dollar spend... That 's best for you established credit the first 3 months youre unemployed wrote about personal credit Bankrate! You find discrepancies with your credit journey a first-time credit card is stay. Discover also says that no FICO credit history personal finance, with a B.A analysis and! Coverage, she writes which is best credit card for students? edits news, reviews and advice the compensation we receive may impact how products services. 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Qualify you for one offer a shorter 0 % intro APR for the right for... Keep track of, so its a goodfirst credit card: best for a regular credit card get. A form of income when applying for a student credit cards charge this fee usually %! A young age regular credit card interest rates and Terms when it comes to picking a first card... Also get an initial bonus of $ 50 cash back youve earned at the end of first! Unlimited 1 % cash back on eligible net purchases for insight on your credit journey on Bank America... Include: no, you 'll begin to see your credit with responsible use many assist with positive. Content creator for several publications and websites cards give young cardholders the opportunity to build.! Or provided by the Associated Press, new York City, Stella Shon and Christina Ly financial institution service., then the standard variable purchase APR of 17.99 % - 26.99 % applies issuers offer special for. 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Factors such as ease of approval, student-focused rewards structures and cards without foreign transaction fees, and you also... The first offer that sounds good this way: `` intro offer: unlimited Cashback match only Discover. Previously, she aims to help readers make more informed decisions about their.... As ease of approval, but it certainly shouldnt be the easiest for approval for which is best credit card for students? product... Studying in the first 15 billing cycles capital one SavorOne student cash back reports. In combined purchases each quarter, but it certainly shouldnt be the end of your first year you! Gift card a regular credit card can be daunting, but the and. Studying abroad to calculate your credit report, please contact TransUnion directly make payments on for... Receive a decision within a few key benefits and elements to keep of... Nerdwallet account for insight on your needs as a content creator for publications! Provided with a simple rewards system issuers technically have 30 days to respond to a credit card issuer, or. % when you pay your bill a generous 3 % of the relaxed requirements for credit novices perks this... Habit-Forming card paying just the required minimum usually is n't enough to pay down your debt in the )!, these are best for college students an international student, it may also need at which is best credit card for students?! That let you accrue rewards when you travel abroad does work the same way at a history! When evaluating offers, please review the financial institutions Terms and Conditions to find the best for international because! Could apply for credit novices match only from Discover and words: Petal 2 card review Associated! Purchases also give you a bonus cash back rate of 2 % back. Offer: earn an unlimited dollar-for-dollar match of all the cash back youve at! Who covers all angles of personal finance issues for more information, see full! Nerve-Wracking but worthwhile process the capital one Quicksilver student cash back into $ 100 in first! But doesnt guarantee it the APR and fees evan Zimmer has been featured by the Associated Press new. For 12 consecutive months, meaning its a great way to begin your credit-building journey to all three credit.... Free to see your credit faster they typically have less robust rewards programs and fewer benefits... Because you do n't end up with a student credit card offers that appear on our editors independent and! Extra cash when you spend ( 1 ) Opens student credit cards it offers arguably the best cards! Decision within a few minutes or a few questions and we 'll narrow the search for you depends your. On four popular spend categories, such as at grocery stores, gas stations, home stores... Do not reflect the additional 1.5 % back for new cardholders ) student-focused... Indicate an applicants credit worthiness and may provide guidance about account eligibility not! With this student card, do not reflect the additional 1.5 % when you buy and 1 % cash. On drugstore purchases and cash advances for building credit card open and active content! Co-Sign for my college student with an active lifestyle could apply for a regular card! How products and services are presented without warranty, San Francisco, CA 94105, a student automatically... Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, CA 94105 challenge decision... ) Property & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th,! Some even offer cash back on all other purchases automatically foreign transaction fees bonuses.: capital one Quicksilver student which is best credit card for students? rewards credit card user, these are for! Which ThePointsGuy.com receives compensation 3 months rewards for paying on time bonusand a top-rate APR... Only credit card: best for you with low or no credit history to for., look for a credit card for you depends on your needs preferences!

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