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Compare Student Credit Cards

The Credit Card Reform Act of 2009 placed stringent restrictions on eligibility for student credit cards. Nonetheless, many credit card companies are still eager to extend credit to students, who are viewed as potential future customers.  Student credit cards offer many of the perks and rewards as traditional consumer credit cards. However, student credit cards also feature perks targeted specifically toward students. Just like their older adult counterparts, students should avoid falling into the trap of spending money simply to qualify for perks, concentrating instead on obtaining cards that offer rewards for merchandise and services they already use.

Credit Card Reform and Student Credit Cards

Before the Credit Card Reform Act of 2009 was implemented, credit card companies often issued credit cards to students regardless of their credit profiles.  Such credit card issuers relied on parents to cover student credit card expenses, whether by design or to avoid default.  Present day regulations require students to provide income independent from their parents’ income to be eligible for student credit cards. However, underwriting for student credit cards often remains somewhat more flexible than for conventional consumer credit cards.

Student Credit Card Perks

Cash back rewards are the most common perks for student credit cards. Some student credit cards also feature zero percent introductory APRs for purchases. Zero percent APRs also allow students to make interest free purchases – which is a boost to tight student budgets. Other useful student credit card perks include zero dollar fraud liability and identity theft protection. School-related perks, include discounts on textbooks and travel related rewards for Spring Break and holidays. Naturally, perks for student credit cards are more generous for students with good or excellent credit than those offered to students with fair or average credit.

What to Look for with Student Credit Cards

All things being equal, students should pursue student credit cards with the lowest possible APR, and low or no penalty APR. Other perks vary according to individual circumstances. For instance, students who rarely travel have little use for travel related rewards. On the other hand, for students studying abroad, no foreign transaction fees are a must.

  • Low or no annual fee
  • Zero percent introductory APR
  • No penalty APR for late payment or exceeding credit limit
  • Student related rewards programs
  • Readily available customer support (email, phone, live chat)
  • Fraud detection and identity theft protection
  • No foreign transaction fees

Student Credit Cards Guide

Our student credit cards guide covers student credit cards in much greater detail.  Discover which cards fit you best, what cards you are eligible for and what perks they offer. Learn about various rates, terms and find out what to look for in your next student credit card.

Compare Student Credit Cards

The Credit Card Reform Act of 2009 placed stringent restrictions on eligibility for student credit cards. Nonetheless, many credit card companies are still eager to extend credit to students, who are viewed as potential future customers.  Student credit cards offer many of the perks and rewards as traditional consumer credit cards. However, student credit cards also feature perks targeted specifically toward students. Just like their older adult counterparts, students should avoid falling into the trap of spending money simply to qualify for perks, concentrating instead on obtaining cards that offer rewards for merchandise and services they already use.

Credit Card Reform and Student Credit Cards

Before the Credit Card Reform Act of 2009 was implemented, credit card companies often issued credit cards to students regardless of their credit profiles.  Such credit card issuers relied on parents to cover student credit card expenses, whether by design or to avoid default.  Present day regulations require students to provide income independent from their parents’ income to be eligible for student credit cards. However, underwriting for student credit cards often remains somewhat more flexible than for conventional consumer credit cards.

Student Credit Card Perks

Cash back rewards are the most common perks for student credit cards. Some student credit cards also feature zero percent introductory APRs for purchases. Zero percent APRs also allow students to make interest free purchases – which is a boost to tight student budgets. Other useful student credit card perks include zero dollar fraud liability and identity theft protection. School-related perks, include discounts on textbooks and travel related rewards for Spring Break and holidays. Naturally, perks for student credit cards are more generous for students with good or excellent credit than those offered to students with fair or average credit.

What to Look for with Student Credit Cards

All things being equal, students should pursue student credit cards with the lowest possible APR, and low or no penalty APR. Other perks vary according to individual circumstances. For instance, students who rarely travel have little use for travel related rewards. On the other hand, for students studying abroad, no foreign transaction fees are a must.

  • Low or no annual fee
  • Zero percent introductory APR
  • No penalty APR for late payment or exceeding credit limit
  • Student related rewards programs
  • Readily available customer support (email, phone, live chat)
  • Fraud detection and identity theft protection
  • No foreign transaction fees

Student Credit Cards Guide

Our student credit cards guide covers student credit cards in much greater detail.  Discover which cards fit you best, what cards you are eligible for and what perks they offer. Learn about various rates, terms and find out what to look for in your next student credit card.

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Product

Reviews

Annual Fee

Purchase APR

Balance Transfer APR

Credit Score Range

Additional Details

Product Website

Deserve Edu Mastercard for Students

Deserve Edu Mastercard for Students

1
 
 
1 total votes
Annual Fee $0 Annual Fee
Maximum Purchase APR 20.24% Maximum Variable APR
Balance Transfer APR N/A Balance Transfer APR
Credit Score Range 650 - 850     300 850
  • Car Rental Insurance
  • Co-signing Allowed
  • Extended Warranty
  • Fraud Liability
  • No SSN required
  • Travel Insurance
  • No Annual Fee
Show More
Show Additional Details
  • Car Rental Insurance
  • Co-signing Allowed
  • Extended Warranty
  • Fraud Liability
  • No SSN required
  • Travel Insurance
  • No Annual Fee
Discover it Chrome for Students

Discover it Chrome for Students

10
4
 
14 total votes
Annual Fee $0 Annual Fee
Purchase APR 13.99% - 22.99%
(Variable APR)
    7% 24% Variable APR
Balance Transfer APR 13.99% - 22.99%
(Variable APR)
    7% 24% Variable APR
Credit Score Range 640 - 850     300 850
  • Fraud Liability
  • Free FICO Score
  • No Annual Fee
  • No Foreign Transaction Fee
Show Additional Details
  • Fraud Liability
  • Free FICO Score
  • No Annual Fee
  • No Foreign Transaction Fee
Citi ThankYou Preferred Card for College Students

Citi ThankYou Preferred Card for College Students

7
4
 
12 total votes
Annual Fee $0 Annual Fee
Purchase APR 14.49% - 24.49%
(Variable APR)
    7% 24% Variable APR
Balance Transfer APR 14.49% - 24.49%
(Variable APR)
    7% 24% Variable APR
Credit Score Range 650 - 850     300 850
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Travel Insurance
  • No Annual Fee
Show More
Show Additional Details
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Travel Insurance
  • No Annual Fee
Wells Fargo Cash Back College Visa Card

Wells Fargo Cash Back College Visa Card

5
3
2
10 total votes
Annual Fee $0 Annual Fee
Purchase APR 11.65% - 21.65%
(Variable APR)
    7% 24% Variable APR
Balance Transfer APR 11.65% - 21.65%
(Variable APR)
    7% 24% Variable APR
Credit Score Range 600 - 850     300 850
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Fraud Liability
  • No Annual Fee
Show Additional Details
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Fraud Liability
  • No Annual Fee
Journey Student Rewards From Capital One

Journey Student Rewards From Capital One

2
 
3
5 total votes
Annual Fee $0 Annual Fee
Starting Purchase APR 24.99% Starting Variable APR
Starting Balance Transfer APR 20.74% Starting Variable APR
Credit Score Range 640 - 720     300 850
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Free FICO Score
  • Travel Insurance
  • No Annual Fee
  • No Foreign Transaction Fee
Show More
Show Additional Details
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Free FICO Score
  • Travel Insurance
  • No Annual Fee
  • No Foreign Transaction Fee
State Farm Student Visa

State Farm Student Visa

 
2
 
2 total votes
Annual Fee $0 Annual Fee
Purchase APR 11.74% - 18.74%
(Variable APR)
    7% 24% Variable APR
Balance Transfer APR 11.74% - 18.74%
(Variable APR)
    7% 24% Variable APR
Credit Score Range 600 - 850     300 850
  • Car Rental Insurance
  • Emergency Support
  • Fraud Liability
  • No Annual Fee
Show Additional Details
  • Car Rental Insurance
  • Emergency Support
  • Fraud Liability
  • No Annual Fee
Discover it for Students

Discover it for Students

 
1
 
1 total votes
Annual Fee $0 Annual Fee
Purchase APR 13.99% - 22.99%
(Variable APR)
    7% 24% Variable APR
Balance Transfer APR 13.99% - 22.99%
(Variable APR)
    7% 24% Variable APR
Credit Score Range 640 - 850     300 850
  • Fraud Liability
  • Free FICO Score
  • No Annual Fee
  • No Foreign Transaction Fee
Show Additional Details
  • Fraud Liability
  • Free FICO Score
  • No Annual Fee
  • No Foreign Transaction Fee
BankAmericard Cash Rewards Credit Card for Students
Annual Fee $0 Annual Fee
Purchase APR 13.59% - 23.49%
(Variable APR)
    7% 24% Variable APR
Balance Transfer APR 13.49% - 24.49%
(Variable APR)
    7% 24% Variable APR
Credit Score Range 600 - 850     300 850
  • Co-signing Allowed
  • Extended Warranty
  • No Annual Fee
Show Additional Details
  • Co-signing Allowed
  • Extended Warranty
  • No Annual Fee