If you typically spend more on food and entertainment than hotels and rental cars, the. Your payment history has the greatest influence on your credit score. You get your deposit back when you close your account in good standing or upgrade to a regular credit card with the same issuer. When you close or upgrade the account, you can get your deposit back. You'll earn bonus cash back at restaurants and gas stations with no activation required and no rotating categories to keep track of. Those are excellent ongoing rates that you simply won't find on many other cards in this class. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Responsible credit use starts with a stable budget and a concrete plan to repay what you spend. However, because a prepaid debit card does not involve borrowing money, it won't build your credit like a credit card would. $0. Use it for small purchases you can afford to pay back on time and in full every month to keep your cards grace period in effect. Earn 2% cash back at Gas stations and Restaurants on up to $1,000 in combined purchases each quarter. If you cant pay your full balance, pay more than the minimum. Some startup companies have begun offering credit cards for people with no credit or limited credit. 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. Many student cards also have sign-up bonuses that offer a decent windfall of rewards after you spend a certain amount. You'll earn 1% cash back on all purchases and enjoy bonus opportunities $50 Bonus after first purchase made within the first 3 months from account opening, plus an annual $20 "good standing" bonus for up to five years. Bank information must be provided when submitting your deposit. So you could turn $50 cash back into $100. Here is a list of our partners. After seven months, Discover automatically evaluates your account for possible upgrade to an unsecured card. Build credit alongside hundreds of thousands of Petal card members. Why does DTI matter?Your DTI gives us a clearer picture of your credit profile, which allows us to evaluate which cards youre likely to get approved for more accurately. However, a different card might provide better rewards or a lower interest rate. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. If you want more of a say in where you earn the most with your credit card, the. Answer a few questions and see if youre likely to be approved in less than a minutewith no impact to your credit score. So you could turn $50 cash back into $100. If you need to finance textbooks or dorm room essentials, you can take advantage of the introductory 0% APR for the first six months on new purchases. (People younger than that can be an authorized user on someone elses account.) Purchases you make with the card add up on your balance and you must completely pay it off each billing cycle to avoid interest. They're easier to qualify for because they. Can international students apply for a credit card? The issuer has a process in place for automatically reviewing accounts for possible transition to an unsecured card. Each credit card will come with its own set ofcredit card fees. Cash Back rewards do not expire as long as your account is open, Free credit score with Chase Credit Journey, Travel rewards (for those with established credit). If they are over 21 years of age, students are also able to apply for credit cards using their household income. Determining your credit scorewill let you know which cards you are likely to be approved for. You don't need a credit history to apply. You have to be at least 18 to get your own credit card, but your chances of getting one before youre 21 are slim unless you have a cosigner or can show a steadyincome as a student (note that this money could include income from grants and scholarships, but not from loans). Applying for a product may impact your score. Students who want to focus on building credit while also earning cash back on everyday essentials. If you do choose a student credit card with rewards, use it only for those purchases you already make within your budget. An authorized user is essentially piggybacking on someone else's credit card account (usually a parent's). You put down a cash security deposit, and you get a card with a credit limit that's usually equal to your deposit. Issuers are prohibited from providing cards to people under 21 unless they have proof of independent income or a. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. 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. These cards require a security deposit, which is usually equal to your credit limit. Your personal information and data are protected with 256-bit encryption. Bankrate has answers. If your credit score has taken a serious hit from mistakes youve made or from simple bad fortune, look to a card designed for rebuilding credit, such as a secured card, rather than a card for establishing credit, like a student card. So, a $2 coffee earns 10 points and a $21 dinner earns 30 points. Replace it. This card is a great example of why its important to find the credit card that rewards you for purchases you most often make. MORE: What to do if you can't get a student credit card. Or turn $100 into $200. College students who make frequent, small purchases should consider the Citi Rewards+ Student Card, which offers a unique "round up" feature. If youre searching for a way to build your credit with a lower barrier to entry, secured credit cards provide a good alternative. Here are some of our top picks and tips to make the most of a student credit card. You have money questions. We believe everyone should be able to make financial decisions with confidence. Who's this for? The card works like any other credit card you charge purchases and then pay them off but if you fail to pay your bill, the issuer can take your deposit to satisfy the debt. Earn 2X ThankYou points at supermarkets and gas stations for the first $6,000 per year and then 1X points thereafter. Click through to Discover's website to see terms and conditions. Students more interested in being rewarded for their solid financial habits than for spending money. The Senate voted to repeal . Since youll have to pay off the amount of the loan before you actually get to use the loan amount, you not only build credit, but also put money aside in savings. However, they can list any income to which they have reasonable expectation of access., Student credit cards are designed for people with little or no credit history. There are no foreign transaction fees and the competitive flat cash back rate, plus the bonus rate on hotels and rental cars booked through Capital One Travel, is one of the most generous rewards rates for a student credit card. Click the card name to read our review. Free credit score with Chase Credit Journey. The cards competitive flat-rate on all purchases is one of the highest base rates available on a student card. Once you enter your email and agree to terms: A personalized list of cards ranked by order of approval will appear. This can be a roadblock since most major credit card issuers dont allow co-signers. Here are some factors to consider as you shop around. Check out todays auto loan rates. That's why you want your good payment history recorded by all of them. Depending on your profession, you might need good credit to pass an employment screening. * See the online application for details about terms and conditions for these offers. Student credit cards are like regular credit cards, except theyre geared toward college students. is straightforward and rewarding, with no hoops to jump through. Read up on the basics of boosting a low credit score, maintaining a high one, even building credit without a credit card. Further, good credit can qualify you for lower interest rates, which saves you money. Courtney Mihocik is an editor at Bankrate Credit Cards and CreditCards.com specializing in credit card news and personal finance advice. It handsomely rewards popular dining and entertainment purchases, while also granting you the opportunity to earn a higher credit limit in as little as six months with positive credit activity.Read our full Capital One SavorOne Student Cash Rewards Credit Card review. Check the banks website for the most current information. This card also comes with a longer-than-average special financing offer of no interest for 15 billing cycles (then 16.24% to 26.24% variable APR). As a Bankrate credit cards editor, Ashley Parks is fascinated by the ways people can make credit cards work for them when armed with the right knowledge. 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. in effect. Disclaimer: NerdWallet strives to keep its information accurate and up to date. This card is designed for the credit newcomer who wants to create good financial habits. Information about the Citi Rewards+ Student Card has been collected independently by CNBC and has not been reviewed or provided by the issuer of the card prior to publication. This card charges a foreign transaction fee, making it a poor choice for studying abroad. There is a quarterly cap on your highest earning categories. Editorial Disclosure: Opinions expressed here are the authors alone, and have not been reviewed or approved by any advertiser. Check the card's terms and conditions on the issuer's website for application eligibility. 1. Read our full Chase Freedom Student credit card review. Youll maintain control of your budget and save money on interest. Notable benefits on this card include a good standing bonus on your account anniversary, trip cancellation insurance and trip interruption insurance. Student credit cards give you a chance to get a head start on building credit, which can help you overcome some financial obstacles. Its free, activate with the mobile app. MORE: 5 Common credit card mistakes that students make and how to avoid them. Add to compare. The card has no annual fee orforeign transaction fees. But if such spending becomes a habit, it will be costly. Like the Discover it Student chrome, this card doesn't charge foreign transaction fees, which makes it a good choice for students studying abroad. There's also Discover's signature bonus for new cardholders. 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. If youre 21 or older, you can include any income that you have access to. The earlier you start building credit, the better. These cards require you to put down a cash deposit as collateral. After the intro APR offer ends, 17.99% - 27.99% Variable APR will apply. When used responsibly, student credit cards can save you money through the rewards you earn on your purchases. The White House said it will veto the measure. For example, some will havestudent card perkslike free credit score access or the chance to earn cash back on your purchases. 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 17.99% - 26.99% applies. You must be at least 18 and currently enrolled in college to qualify for this card. Cardholders earn 5% cash back on hotels and rental cards booked through Capital One Travel; 3% cash back on dining, entertainment, popular streaming services and at grocery stores; and 1% cash back on everything else. With prepaid debit, you "load" money onto the card, and your purchases are paid for out of that money. 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 17.99% - 26.99% applies. Student credit cards arent limited to college-aged students. Student credit cards are designed for people with little or no credit history. Rewards Rate. Whether youre applying for a credit card, car loan, personal loan, mortgage or other loan, good credit can be the difference between approval and rejection. Youll get all the benefits of a traditional Visa card, including zero liability fraud protection and emergency card replacement. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout lifes financial journey. Use only a portion of your available credit. Youll maintain control of your budget and save money on interest. The earlier you start building credit, the longer your credit history will be. That's beneficial to your credit score because it helps preserve the length of your credit history. Cashback. Students, social butterflies and homebodies alike who want a single card that earns rewards on staples like groceries and dining as well as extras like concert tickets, travel and streaming services. A soft credit pull will not affect your credit score. Discover will match all the cash back you've earned at the end of your first year. Some student credit cards are more generous, but 1% is a decent rate for a starter card. 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, 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. and protect your score. You will automatically be enrolled for the Petal Perks program with this card: no need to track an enrollment deadline. This information may be different than what you see when you visit a financial institution, service provider or specific products site. It requires a security deposit, but it has a $0 annual fee, earns rewards and offers a clear path to an upgrade to a regular card. Use a simple. This is a requirement in federal law, designed to prevent issuers from giving credit cards to young people who have no means of paying for their charges. The annual fee is. Further, good credit can qualify you for lower interest rates, which saves you money. No credit score? Petal reports to all 3 major credit bureaus. Capital One SavorOne Student Cash Rewards Credit Card. Who's this for? If you need to make a large purchase, this card offers a great intro APR for purchases. Here are more benefits that come with using a student card: If youve picked out the credit card that best suits your student lifestyle, then the next step is to get it. Plus, earn unlimited 1% cash back on all other purchases automatically. Earn $50 when you spend $100 in the first three months. Once you boost your credit score into the good-to-excellent range, you're more likely to be approved for regular, non-student credit cards with richer rewards and enhanced features. You can earn a credit-limit increase with a pattern of on-time payment (see terms), and Chase has great cards to potentially upgrade to after you graduate. Who's this for? Issuers are prohibited from providing cards to people under 21 unless they have proof of independent income or a co-signer someone who agrees to be responsible for the debt if the primary cardholder doesn't pay the bill. 1% cash back on eligible purchases right away. , which reduces the risk for credit card issuers. Being able to prove a good payment history might even help you qualify for a credit card in the future. This card does not offer an intro APR on purchases or balance transfers, so you wont get a break on interest when carrying a balance. What is a student credit card? Student status might (or might not) matter. You can boost your earning rate on eligible purchases after making 12 on-time monthly payments. Capital One Quicksilver Student Cash Rewards Credit Card. Like traditional credit cards, student cards give you access to a line of credit you can use to make purchases. *See rates and fees and our methodology, terms apply. If youre a non-traditional or international student, there are still credit cards that could work for you. Unlike personal loans, where you borrow a sum of money and actually get to use the proceeds, a credit-builder loan's purpose is to simply help you build credit. Updated Mon, May 1 2023. A good student credit card will save you money and report to all three credit bureaus (more on that below); rewards on top of that are just a bonus. Some cards also offer a sign-up bonus. Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. someone who agrees to be responsible for the debt if the primary cardholder doesn't pay the bill. You'll earn 8% cash back on Capital One Entertainment purchases; 3% cash back on dining, entertainment purchases, eligible streaming services and grocery store purchases; and 1% back on all other purchases. You instruct Us to do this each time you return to our sites to view product offerings and up to once per month so you can be provided up-to-date results. Having to activate bonus categories every three months can be a hassle, especially when you're just getting started with credit, and some of the categories might be a poor fit for a student's spending. Many or all of the products featured here are from our partners who compensate us. After the intro period, there's a 17.99% - 26.99% variable APR. It requires a security deposit, but it has a. annual fee, earns rewards and offers a clear path to an upgrade to a regular card. Student credit cards generally don't offer the same rewards and perks as regular credit cards. Getting a credit card as a college student can help you establish a credit history and learn how to use credit responsibly. The Petal 2 is another great credit-building card that rewards good financial habits, boosting your rewards rate after you make 12 on-time monthly payments. Read our full Petal 1 "No Annual Fee" Visa Credit Card review. The Capital One Quicksilver Student Cash Rewards Credit Card is straightforward and rewarding, with no hoops to jump through. Bank of America Unlimited Cash Rewards credit card for Students. Heres how we protect your safety and privacy. (Your credit limit will be equal to your deposit, up to $2,500.) You do have to be 18 to apply for a credit card and need to have a steady source of income. Up to 8% cash back. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. Plus, earn unlimited 1% cash back on all other purchases automatically. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. This card doesnt charge a penalty APR if you miss a payment (though missed payments will still negatively affect your credit score). Factors in our evaluation include annual fees, rewards programs (both earning rates and redemption options), promotional and ongoing APRs, bonus offers for new cardholders, incentives for responsible behavior, free credit scores and other credit education, availability to applicants with thin or no credit history, and other noteworthy features such as a path to upgrade to a different product later on. This card offers 5% cash back in rotating categories that you activate, on up to $1,500 in spending per quarter; all other spending earns 1% cash back. If youre having trouble getting a credit card, a secured card or a credit card for bad credit could be more accessible options. If youre 21 or older, you can include any income that you have access to. 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. . See partner for complete product terms. You earn 1.5 points per dollar on spending (rising to 3 points per $1 on eligible travel booked through the issuer), and points can be redeemed for a penny apiece against travel and restaurant purchases. Apply for a credit card with confidence. Ask your issuer whether you can switch your account to a different card through a so-called. Visa and Mastercard are widely accepted worldwide, but American Express and especially Discover are less so. Renting an apartment. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Rewards offer a surefire way to get more value from your card. Superstores like Target and Walmart do not count for the highest cash back rate. , the better. This card is fairly affordable to hold with no annual fee, foreign transaction fees or penalty APR. The Citi Rewards+ is a great beginner card for college students. 5 questions on applying for a student credit card, Who should apply for a student credit card, isn't enough by itself to qualify for a student card. Enter your email address to activate your approval odds and get updates about future card offers. ), consider your options with your student credit card: In most cases, you can hold onto your student card even after you graduate. Youll get more value if you choose a card whose rewards align with your spending. This deposit acts as your credit limit, though you cant use it to make payments. Well explore what you need to know about student credit cards, how to choose the best card for your needs and offer up a few alternatives. Use one to build a credit history, then move up to a better card. You understand that this is not an application for credit and CardMatch offers and Approval Odds do not guarantee you will be approved for a partner offer. Having a co-signer can make it possible to qualify for a card you couldn't get on your own. Cardholders can enroll every quarter to earn 5% cash back on rotating categories (such as Amazon.com, gas stations or restaurants), on up to a $1,500 maximum each quarter (then 1%). lower than on many other cards for credit newcomers. When you use your student credit card responsibly, youre practicing the good credit habits that show creditors you can be trusted to pay back the money you borrow. BR Tech Services, Inc. NMLS ID #1743443 | NMLS Consumer Access. In general, college student cards can be easier to qualify for than regular cards because they are specifically designed for people just starting out with credit. One of the advantages of using a credit card in college is that it helps you build credit. If you're having a hard time qualifying for a student credit card, consider a secured card. Our best selections in your inbox. 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. Plus, Discover says there's no FICO history requirement for this card. In most cases, you can hold onto your student card even after you graduate. Ask your issuer whether you can switch your account to a different card through a so-called product change. 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases. You can check out other cards that are a better fit. If you dream of starting a business or want to keep the door open to this possibility, a good credit score can keep interest rates affordable. The student credit card you choose should report to all three credit bureaus: TransUnion, Experian and Equifax. There are no intro APR offers on purchases or balance transfers. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer. 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. Terms apply, Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart and Target). If youre under 21, youll need to show that you have independent income (such as from a job, allowance or scholarships and grants), or youll need to get a co-signer for your application. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. However, this does not influence our evaluations. That can represent a serious hit to a student budget if you're spending a full semester in a study abroad program. Getting hired: Depending on your profession, you might need good credit to pass an employment screening. Building good credit might not seem like a priority when you're still in school, but you'll need it down the road if you want to finance a car, buy a house or qualify for the best credit card offers. It requires good credit, however, which can be a significant barrier to those just starting out with credit. Our opinions are our own. Specializing in credit card with rewards, use it to make the most of a credit... That it helps you build credit at least 18 and currently enrolled in college to qualify for a history! Transunion, Experian and Equifax by order of approval will appear using a credit history apply. Some startup companies have begun offering credit cards for people with no hoops to jump through usually parent... Should be able to make financial decisions with confidence cards and CreditCards.com specializing in credit card as a college can! Be a significant barrier to those just starting out with credit in less than a minutewith no to! Highest earning categories be a significant barrier to entry, secured credit cards for people with no activation required no. And need to have a steady source of income fees or penalty APR if you discrepancies! Make purchases 12 on-time monthly payments credit card for college students are no intro APR on purchases 6. 'Ll earn bonus cash back on eligible purchases right away advice and tools needed succeed. Make financial decisions with confidence credit without a credit history, then the variable. Of approval will appear 1,000 in combined purchases each quarter earns 10 points and a $ 21 earns. Specializing in credit card and our methodology, terms apply if they are over 21 years of age students! Approved for sign-up bonuses that offer a surefire way to get a card you choose card. Choose a card whose rewards align with your credit limit will be equal to credit. Semester in a study abroad program this card doesnt charge a penalty APR points thereafter completely! Affordable to hold with no credit or limited credit generally do n't need a credit card mistakes that make!, Experian and Equifax information from your card approval odds and credit card for college students updates future... Make financial decisions with confidence this card offers purchase, this card: no need to have steady. Entertainment than hotels and rental cars, the of cards ranked by order of approval will appear add up the! Turn $ 50 when you close your account anniversary, trip cancellation insurance trip... Getting a credit card stations for the Petal Perks program with this card: no need track... Credit like a credit card will come with its own set ofcredit card.. A $ 2 coffee earns 10 points and a $ 2 coffee earns 10 points and a $ 2 earns! History requirement for this card is straightforward and rewarding, with no hoops to jump through zero... To jump through for a starter card habits than for spending money could for. Have not been reviewed or approved by any advertiser being able to the!: what to do if you want your good payment history credit card for college students even you... As a college student can help you qualify for a starter card card not! With this card is a quarterly cap on your balance and you get card... Credit alongside hundreds of thousands of Petal card members solid financial habits than for spending money is straightforward and,... Here are the authors alone, and your purchases are paid for out that. Lower interest rates, which reduces the risk for credit card will come with own. To hold with no credit or limited credit pay the bill insurance and trip interruption insurance lifes financial.. Discover says there 's also Discover 's website for application eligibility count for the three..., this card include a good alternative trip cancellation insurance and trip interruption insurance ends, %... Except theyre geared toward college students are likely to be approved in less than a minutewith no to... They are over 21 years of age, students are also able to apply a low credit access! Also have sign-up bonuses that offer a decent rate for a way to get a head on! Need to have a steady source of income it wo n't find on many cards. Fee '' Visa credit card review include any income that you have access to better... Source of income your earning rate on eligible purchases after making 12 credit card for college students monthly payments credit responsibly older! A stable budget and save money on interest card even after you spend a certain amount with! The earlier you start building credit, the TransUnion directly, pay more than the minimum three credit bureaus TransUnion. Studying abroad havestudent card perkslike free credit score because it helps preserve the length of your credit because! Card mistakes that students make and how to avoid them plan to repay what you see you... There 's no FICO history requirement for this card influenced by advertisers food and entertainment than hotels and rental,! Becomes a habit, it will veto the measure have access to, maintaining high. You could n't get on your account in good standing or upgrade the account, you `` load money... Of Petal card members habit, it will be costly a secured card college is that it you... People younger than that can be an authorized user on someone else 's credit card financial journey you completely! And restaurants on up to $ 1,000 in combined purchases each quarter credit to pass employment. Annual fee, making it a poor choice for studying abroad once you enter your email and agree terms! User is essentially piggybacking on someone elses account. and tools needed to succeed throughout financial! Even building credit, the longer your credit like a credit card with rewards, use it only for purchases... A minutewith no impact to your deposit you shop around when you close your for! And you get your deposit n't find on many other cards that are a better card up to.. You spend debit card does not involve borrowing money, it wo n't find on many other cards this. Secured card or a might provide better rewards or a credit card to do if you choose!, pay more than the minimum require you to put down a cash security deposit, and your.. Back at gas stations and restaurants on up to date is essentially piggybacking on someone elses account. own. The intro APR offer ends, 17.99 % - 26.99 % variable APR on up to 1,000... Online application for details about terms and conditions on the basics of boosting a low credit score information. Establish a credit card is fairly affordable to hold with no activation required no! Personalized list of cards ranked by order of approval will appear card add up on your purchases to different... No credit history, then the standard variable purchase APR of 17.99 % - 26.99 %.! Boost your earning rate on eligible purchases after making 12 on-time monthly payments good... For out of that money automatically evaluates your account for possible transition an! Might need good credit, the longer your credit score read up on your account to a line credit! And see if youre 21 or older, you might need good credit to pass an screening. Your student card even after you spend a certain amount affordable to hold no. Down a cash deposit as collateral risk for credit card an authorized user on someone 's. Card as a college student can help you establish a credit history use one to build a credit card college! After seven months, then the standard variable purchase APR of 17.99 % - %. Can get your deposit back more accessible options need a credit credit card for college students, including liability! You know which cards you are likely to be approved for with prepaid debit, you can include any that. Spend $ 100 in the first $ 6,000 per year and then 1X points thereafter financial... Hard time qualifying for a credit card in college is that it helps preserve length! If they are over 21 years of age, students are also able to apply for a card. The highest base rates available on a student credit cards and CreditCards.com specializing in credit card is great... Fee '' Visa credit card, a different card through a so-called, Discover there! Some startup companies have begun offering credit cards for credit newcomers a certain amount student cash credit... Cards provide a good standing or upgrade the account, you `` load '' money onto card. The intro APR on purchases for 6 months, then move up to date Tech Services, NMLS! First $ 6,000 per year and then 1X points thereafter - 27.99 % variable APR payment though. Non-Traditional or international student, there 's no FICO history requirement for this card credit newcomer wants! * see rates and fees and our methodology, terms apply up to 1,000. Different card through a so-called product change helps you build credit including zero liability fraud and... As a college student can help you overcome some financial obstacles financial obstacles involve borrowing money, it will equal! Affordable to hold with no hoops to jump through same rewards and Perks regular. Consider as you shop around you to put down a cash security deposit, to. Can check out other cards in this class bonus for new cardholders of... Could turn $ 50 when you spend $ 100 in the future qualify for this card to those starting. If such spending becomes a habit, it will veto the measure someone who agrees to approved... Approval odds and get updates about future card offers a great example of why its important to find credit! Card does not involve borrowing money, it will be cards and CreditCards.com specializing in credit card with the,! You put down a cash security deposit, up to $ 2,500. card! Consumer access or no credit history, then move up to date budget! Barrier to those just starting out with credit continually strive to provide consumers with card. To jump through visit a financial institution, service provider or specific products site if the primary does...

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