Student Credit Cards

1. Capital One Journey Student Rewards

Capital One Journey Student Rewards card art
Recommended Credit:
630689
Fair Credit

Everyday Rewards

1%

Annual Fee

$0

Why We Like It:

"Choose your payment date"

If you’re a college student, you may be painfully aware of how important it is to start establishing a solid credit history. Maybe you’ve recently bought your first car or taken out a loan and have realized just how difficult that can be without previous credit. The Capital One Journey Student credit card is a sound choice for students looking to get a better credit score and build good habits that will follow them in life. Here’s why:

With this card, students with average credit can build on their existing FICO score to open the door to more financing options. The Capital One Journey Student card allows students to monitor their FICO score online in the credit card dashboard. It also rewards students with extra point bonuses for making payments on time. If you make your monthly payments for several months straight, without missing a payment deadline, you could be eligible for a higher credit limit.

That’s in addition to cash back rewards on purchases, which isn’t a typical perk of cards for moderate credit. Because Capital One is taking a risk on students who want to build credit, you may find the APR for this card is on the higher side. It will benefit you to pay on time and not carry a balance. However, this is a good choice for students who need to get more access to credit and learn how to use it the correct way.

2. Discover it Student Cash Back

Discover it Student Cash Back card art
Recommended Credit:
300
689
Fair, Bad, and No Credit

Everyday Rewards

1%

Annual Fee

$0

Why We Like It:

"Get paid for good grades"

The Discover it Student Cash Back is a credit card with some enticing rewards for students. In fact, parents can be happy that their children are using a smart credit card that even rewards students for good grades! Whether you’re a student looking to venture out into the world of credit, or a parent looking into options for your new college student, we’re giving all the facts on Discover it Student Cash Back!

What’s not to love about this Discover it card geared at students? First, unlike many cards of this caliber, the annual fee on this card is, well, None. That’s amazing for a card that offers access to people with Fair, Bad, and No Credit. The APR, while above average, isn’t extraordinarily high either at a rate of 15.24% - 24.24% Variable. On top of that, it offers these great perks to make any student feel like a VIP:

Whether you're a student who likes dining out or eating in, with the Discover it Student credit card, you’ll be able to have your cake and eat it too. The cherry on top is that you get rewarded for good behavior, and can monitor your credit score like a responsible adult. If you’re a student who wants to build great credit practices and reap awesome rewards, the Discover it Student Cash Back should make a good addition to your wallet.

3. Discover It Student Chrome

Discover It Student Chrome card art
Recommended Credit:
630689
Fair Credit

Everyday Rewards

1%

Annual Fee

$0

Why We Like It:

"Extra cash back at restaurants and gas stations"

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Let’s talk about APR. With the Student Chrome card, students will benefit from ${aprs.purchaseIntro.displayText} on all purchases. They also get ${aprs.balanceTransferIntro.displayText} on balance transfers. While this isn’t a balance transfer card, that’s still a below average rate. After the introductory period, your APR will bump up to a variable rate of ${"aprs.purchase.minimum}% to ${aprs.purchase.maximum}%.

It’s important to note that you should have a credit score of at least ${fico.minimum} before applying. It’s a student card, but not a card for someone who hasn’t started building their credit profile. Those who qualify will benefit from cashback rewards:

${description} Because this card is geared at students, it's excellent that it rewards good grades. There’s a lot to like about the Student Chrome card. If you’re a student looking to add some A+ plastic to your purchasing resources, this could be the card for you.