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.

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.  

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. 

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. 

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. 

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.

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.