10 Best Student Credit Cards

See which cards are the best credit cards for students.

A credit card can be an essential part of life for a college student. Not only does it make it easier to cover expenses, but it can be the important first step in building your credit history. Ultimately, it’s how you use the credit card that matters. The right credit card, or rather using it responsibly, can put you on the path to a bright financial future, whereas the wrong one, or an improperly used credit card, can leave you saddled with additional debts at a time when your earning power is limited.

Fortunately, many credit card companies have products designed specifically for college students and tailored to their specific needs. Student credit cards typically offer low or no fees and rewards points so you can enjoy perks while you’re buying books or supplies. To help you pick the right student credit card for you, GOBankingRates identified the 10 best credit cards for college students by comparing the APR, fees, perks and introductory offers of the many student credit cards out there.

Here are the 10 best credit cards for students, none of which have annual fees:

10 Best Credit Cards for Students
Credit CardIntro RatesPurchase APRLearn More
Wells Fargo Cash Back College Visa Card0% APR for 6 months on purchases12.90% to 22.90%Learn More
Discover it Chrome Student Credit Card0% APR for 6 months on purchases14.49% to 23.49%Learn More
Discover it Student Credit Card0% APR for 6 months on purchases14.49% to 23.49%Learn More
Citi ThankYou Preferred Card for College Students0% APR for 7 months on purchases16.24% to 26.24%Learn More
Bank of America Travel Rewards Credit Card for Students0% APR for 12 billing cycles16.49% to 24.49%Learn More
Bank of America Cash Rewards Credit Card for Students0% APR for 12 billing cycles14.74% to 24.74%Learn More
State Farm Student VisaNone12.99% to 19.99%Learn More
BankAmericard Credit Card for Students0% for 15 billing cycles14.49% to 24.49%Learn More
Journey Student Credit Card from Capital OneNone19.7% to 28.7%Learn More
Deserve Edu MastercardNone20.24%Learn More
Information accurate as of June 20, 2018.

Wells Fargo Cash Back College Visa Card

Perks:

  • Get 3 percent cash rewards on gas, grocery, drugstore for first six months
  • Get 1 percent cash rewards on most other purchases

Not only will the Wells Fargo Cash Back College Visa Card give you 3 percent cash rewards on gas, grocery and drugstore purchases for the first six months, it has a 0% APR introductory rate during that same period, meaning you can collect rewards on what are effectively interest-free purchases.

Discover it Chrome Student Credit Card

Perks:

  • Get $20 statement credit each school year your GPA is 3.0 or higher for up to 5 years

In addition to a six-month introductory period where you pay 0% APR on all purchases, you’ll get 2 percent back on gas and restaurants on up to $1,000 in combined purchases for each three-month period and 1 percent back on all other purchases.

Discover it Student Credit Card

Perks:

  • Get $20 statement credit each school year your GPA is 3.0 or higher for up to 5 years

The Discover it Student Credit Card is very similar to its Chrome cousin. In addition to the statement credit for good grades, you can get 5 percent cash back on purchases from different places each quarter like gas stations, restaurants, Amazon.com or wholesale clubs up to a quarterly maximum amount and 1 percent back on all other purchases.

Citi ThankYou Preferred Card for College Students

Perks:

  • Points are redeemable for $25 in gift cards, electronics and more when redeemed from the ThankYou Rewards collection
  • Earn 2X on dining out and entertainment and 1X on all other purchases

Citi is trying to express gratitude towards its college student customers with this offering of 0% APR for the first seven months and 2,500 bonus ThankYou points for spending $500 in the first three months of opening the account. In addition, you earn double rewards points on dining out and entertainment.

Click to Read: Get a Complete Review of the Citi College Student Card

Bank of America Travel Rewards Credit Card for Students

Perks:

  • Get 20,000 bonus points if you make $1,000 in purchases in the first 90 days of opening an account

Not only does the Bank of America Travel Rewards Credit Card for Students offer 0% APR on purchases in the first dozen billing cycles, but you get 1.5 points for every dollar you spend.

Bank of America Cash Rewards Credit Card for Students

Perks:

  • Earn $150 cash rewards bonus for $500 in purchases in the first 90 days

The Bank of America Cash Rewards Credit Card for Students is similar to its Travel alternative, but it offers cash rewards instead of travel points. You get at least 1 percent cash back on every purchase, 2 percent for grocery stores and wholesale clubs, and 3 percent on gas for the first $2,500 in combined spending on grocery, gas and wholesale clubs each quarter.

Read: FICO Score vs. Credit Score — What the Difference Means to You

State Farm Student Visa

Perks:

  • APR among the lowest of options listed here

State Farm’s student card is offered through Visa and gives you a State Farm loyalty reward point for every two dollars you spend on eligible purchases. However, it’s the three points available for every dollar spent on insurance premium payments — capped at $4,000 annually — that is probably the more attractive offer for students who drive often.

BankAmericard Credit Card for Students

Perks:

  • Long intro APR period

The BankAmericard Credit Card for Students offers a 0% APR on all purchases made within the first 15 billing cycles as well as an introductory $0 balance transfer fee for the first 60 days after opening the account, potentially making it a stronger option for students with existing credit card debt.

Find Out: 10 Free Student Checking Accounts

Journey Student Credit Card from Capital One

Perks:

  • Incentives for paying on time

The Journey Student Credit Card offers some of the most straightforward rewards, offering you 1 percent cash back on all purchases and 1.25 percent if you pay on time. Of course, you shouldn’t need a lot of additional incentive to pay on time given the card’s APR, which ranges from 19.70% to 28.70%, the latter of which is the highest rate of these 10 cards.

Deserve Edu Mastercard

Perks:

  • Deserve will reimburse you up to a lifetime total of $59 for Amazon Prime Student

The Deserve Edu Mastercard only offers a credit line up to $5,000, but it also has unlimited 1 percent cash back on all purchases.

Click to discover the 10 best banks for college students.

How to Get a Student Credit Card

Whatever you choose, you can usually apply for a student credit card online. You’ll need some basic information like your address, social security number and source of income if you have any. Many banks will approve you right away, and you’ll usually get your card in the mail in a few days.

If you get declined for a student credit card, don’t despair. You can look into a secured card, like the Capital One Secured Mastercard, which will help you build your credit so that you can later qualify for an unsecured card.

More on Credit

Methodology: To determine the best student credit cards, GOBankingRates analyzed student credit cards on the following factors: introductory offers, introductory APRs, purchase APR, perks, annual fees and other fees.