Credit Cards
Best student credit cards for students with no credit
If you're a student looking for your first credit card, or if you have no credit history, we've got the best options for you. Compare and find the perfect card for your needs!
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We’ve got the perfect card to help you build a solid credit rating!
If you’re a student and you don’t have any credit history yet, getting a credit card can help you build a solid rating over time. While it might seem tough to find the perfect card for your needs, there are plenty of options that cater specially to students in your situation. In this article, we’ve compiled a list with the best student credit cards in the market today.
Getting the right credit card can help with your college expenses and teach you the importance of managing your finances early on. By using it correctly, you can even save money in the long run. So whether you’re looking for low interest rates, no annual fee or rewards on purchases, we’ve got you covered.
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Keep reading the content below to see our top picks for the four best student cards out today. Learn their features, pros and cons so you can choose which one should become your ally in your credit building journey.
Here are the best options for student credit cards if you have no score
If you’re a student and you don’t have a credit score, don’t worry – you’re not alone! A lot of people your age haven’t had the time or opportunity to establish a credit history yet. But that doesn’t mean you can’t get a credit card. There are plenty of great options for students who don’t have a credit score.
See below our top choices for student credit cards and find one that suits your everyday needs.
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Bank of America® Unlimited Cash Rewards Credit Card for Students
- Is there a welcome bonus?: Online applications guarantee a $200 bonus after spending $1,000 on purchases in the first 90 days.
- Do you have to pay an annual fee?: No.
- Are there any rewards?: Yes. 1.5% cash back on everyday purchases.
- What is the regular APR?: You’ll get a 0% introductory APR on purchases and balance transfers for 15 billing cycles. After that, the APR varies between 16.24% – 26.24%.
Bank of America® Unlimited Cash Rewards Credit Card for Students overview
The Bank of America® Unlimited Cash Rewards Credit Card for Students is one of the best student credit cards today. Why? Because it accepts applicants with a fair credit and limited credit history. It has no annual fee, and Bank of America even offers a 0% intro APR for 15 billing cycles.
To get this card, you need a BofA checking or savings account, and you can open one for free. The online process is easy and will get you a $200 cash bonus so long as you meet the eligibility requirements. After the intro APR period, the rate is a 16.24% – 26.24% variable.
Discover it® Student Cash Back Credit Card
- Is there a welcome bonus?: Yes. For a limited time, Discover will match all cash back you’ve earned at the end of your first year as a cardmember.
- Do you have to pay an annual fee?: No.
- Are there any rewards?: You can earn 5% cash back in rotating categories each quarter and 1% back on all other purchases.
- What is the regular APR?: With this card, you’ll get a 0% intro APR on purchases for six months. After that, it’s a variable 14.49% – 23.49%.
Discover it® Student Cash Back Credit Card overview
The Discover it® Student Cash Back card features our list of best student credit cards because of its rewards rates and easy approval. You have a chance of getting this card with a limited credit history or no history at all. There’s no annual fee, a fantastic cash back match as an intro bonus and 5% cash back on eligible purchases each quarter.
Discover offers a 0% APR on purchases for the first six months. After that period, the variable APR is a little on the high-side. Nevertheless, you should never carry a balance anyway if you’re looking to build a strong credit score. There’s an undisclosed cap on earned cash back on purchases, and you have to sign up to the categories each quarter. But 5% back on your spending is still a higher rewards rate than most cards.
Check the link below if you’d like to learn more details about the iscover it® Student Cash Back Credit Card application process.
How to get Discover it Student Cash Back card?
The best way to spend your money is getting cash back on every cash back. Apply for this credit card to enjoy the rewards program with a $0 annual fee.
Capital One Quicksilver Student Cash Rewards Credit Card
- Is there a welcome bonus?: Yes. $100 when they spend $100 within the first three months.
- Do you have to pay an annual fee?: No.
- Are there any rewards?: Yes. Students will earn unlimited 1.5% cash back on all daily purchases.
- What is the regular APR?: The APR varies between 16.49% – 26.49%.
Capital One Quicksilver Student Cash Rewards Credit Card overview
The Quicksilver Student Cash Rewards is one of the greatest student credit cards because it’s a very straightforward product. With it, you’ll earn unlimited 1.5% cash back every time you make a purchase, with no rotating categories. This card also has no annual fee and no foreign transaction fees, which is great if you’re traveling abroad.
Responsible use can help you build a solid score and be considered for a higher credit limit after six months of paying your bill in full and on time. The APR varies between 16.49% and 26.49% depending on your creditworthiness, so it’s important not to carry a balance. The online application process is easy and you can qualify even with a fair or limited credit history.
Check the link below to learn more on how to apply and how easy it is to get your Capital One Quicksilver Student Cash Rewards Credit Card.
How to get the Capital One Quicksilver Student?
Learn how to apply for this credit card and get unlimited 1.5% cash back on all of your purchases!
Chase Freedom® Student Credit Card
- Is there a welcome bonus?: Yes. $50 after making one single purchase within the first 3 months of card membership.
- Do you have to pay an annual fee?: No.
- Are there any rewards?: Students can earn 1% cash back on every purchase. Plus, $20 every account anniversary so long as the account is in good standing.
- What is the regular APR?: 16.49% variable.
Chase Freedom® Student Credit Card overview
Finally, the Chase Freedom® Student closes our list of best student credit cards. With this card, you won’t have to worry about an annual fee and can even get a credit limit increase after 5 on time payments. New cardholders get an intro offer of $50 after making a purchase in the first 3 months of account opening.
With the Chase Freedom® Student card, you’ll earn 1% cash back on daily purchases and $20 every account anniversary so long as your account is in good standing. The regular APR is a variable of 16.49% and Chase accepts applicants of all credit levels.
To learn more about the application process, check the link below. In it, you’ll see the eligibility requirements and all the information you need to provide to get this card.
How to get the Chase Freedom® Student card?
Learn how to apply for a Chase Freedom® Student card and earn cash back rewards while making your college life a lot easier.
Aline Barbosa
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