Best Student Credit Cards

Journey Student Rewards from Capital One Review

Rating: 4 Stars

Bottom Line:
Student Card with Cash Back

Card Details

Regular APR:	26.96% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	Unlimited 1% cash back, increases to 1.25% if you pay your bill on time that month
Credit Needed:	(580-669) Average/Fair/Limited
Annual Fee:	$0
Card Brand:	Mastercard?

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
Enjoy no annual fee and no foreign transaction fees
Get a head start and build your credit with responsible use
Get Eno, your Capital One assistant, to manage your account via text, receive alerts, and shop safer online
Pick the monthly due date that works best for you
Get access to a higher credit line after making your first 5 monthly payments on time
$0 fraud liability if your card is ever lost or stolen
Monitor your credit profile with the CreditWise app, free for everyone

Is Journey Student Rewards from Capital One worth it?

Journey Student Rewards from Capital One is a solid card for students looking to build a credit score and credit history. It also provides a higher credit limit after you make on time payments for the first five months and increases its cash back rate from 1% to 1.25% when you pay your bill on time for that month. With no annual fee and no foreign transaction fee, Journey Student Rewards costs nothing and is even good for study abroad.

Pros

Build your credit as a student
No annual fee
1% cash back on all purchases

Cons

Higher than average APR

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

5 Stars

Perks

4 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	None
Cash Advance Fee	3% of transaction amount or $10, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Travel Accident Insurance

Travel and Emergency Assistance

Get Started with Journey Student Rewards from Capital One

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

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Discover it Student Cash Back Credit Card Review

Rating: 4 Stars

Bottom Line:
High Cash Back for Students

Apply Now

Card Details

Regular APR:	14.99% – 23.99% (Variable)
Intro APR (Purchases):	10.99% for 6 months
Intro APR (Balance transfers):	10.99% for 6 months
Rewards Rate:	5% cash back in rotating categories each quarter like gas stations, grocery stores, restaurants, Amazon.com and more, up to $1,500 per quarter each time you activate 1% unlimited cash back on all other purchases. Discover has cash back match at end of first year
Credit Needed:	(300-669) Bad/Fair
Annual Fee:	$0
Card Brand:	Discover

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Intro Offer: Discover will match all the cash back you’ve earned at the end of your first year, automatically. There’s no signing up. And no limit to how much is matched.
Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
No annual fee. No late fee on first late payment. No APR change for paying late.
Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO?
Credit Score, number of recent inquiries and more.
Freeze It? on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free
0% intro APR on purchases for 6 months, then the standard variable purchase APR of 14.99% ? 23.99%.

Is Discover it Student Cash Back Credit Card worth it?

Discover it Student Cash Back is a great card for students who want to build credit and take advantage of rotating cash back categories. For students who are more interested in ongoing rewards, this card provides 5% cash back in rotating categories and 1% unlimited cash back and Discover will match all cash back at the end of the year.

Pros

Build your credit
Higher than average cash back rewards for a student card

Cons

5% cash back categories must be activated, online or by phone, to take effect

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

5 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)
Cash Advance Fee	5% on transaction amount or $10, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Get Started with Discover it Student Cash Back

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Citi Rewards+ Student Credit Card Review

Rating: 4 Stars

Bottom Line:
Student Grocery and Gas

Apply Now

Card Details

Regular APR:	16.49% – 26.49% (Variable)
Intro APR (Purchases):	0% for 7 months
Intro APR (Balance transfers):	None
Rewards Rate:	2 ThankYou Points per dollar at Supermarkets and Gas Stations for the first $6,000 per year, then 1 point per dollar 1 point per dollar on all other purchases Every purchase is rounded up to nearest 10 points ($3 cup of coffee earns 10 points, $12 pizza earns 20 points)
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0
Card Brand:	Mastercard

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
The Citi Rewards+ Student Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase – with no cap
Earn 2,500 bonus points after you spend $500 in purchases with your card within 3 months of account opening; redeemable for a $25 gift card at thankyou.com
0% Intro APR on purchases for 7 months. After that, the variable APR will be 16.49% – 26.49%, based on your creditworthiness
Earn 2X ThankYou Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
Get 10% Points Back for the first 100,000 ThankYou Points you redeem per year
No annual fee

Is Citi Rewards+ Student Credit Card worth it?

Citi Rewards+ Student is a solid card for cardholders who shop at supermarkets and gas stations with high frequency. This card is also good for students to pay off purchases over time with 0% Intro APR for 7 months.

Pros

0% Intro APR on purchases for 7 months
2,500 bonus points after you spend $500 within 90 days of account opening
10% points back for the first 100,000 points you earn every year
No annual fee

Cons

ThankYou points convert to cash back at a lower than average rate than other points

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

5 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	3% of the balance transfer amount or $5, whichever is greater
Cash Advance Fee	5% of the transaction amount or $10, whichever is greater
Penalty APR	Up to 29.99% (Variable)

Benefits

$0 Fraud Liability

Get Started with Citi Rewards+ Student Credit Card

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Wells Fargo Cash Back College Card Review

Rating: 5 Stars

Bottom Line:
Build Credit in College

Apply Now

Card Details

Regular APR:	12.90 – 22.90% (Variable)
Intro APR (Purchases):	0% for 6 months
Intro APR (Balance transfers):	0% for 6 months
Rewards Rate:	3% cash rewards earned for up to $2,500 spent on gas, grocery, and drugstore purchases for the first 6 months Enjoy 1% cash rewards for other purchases
Credit Needed:	(0 – 300) Limited/No
Annual Fee:	None
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Build credit history while you?re in college
3% cash rewards earned for up to $2,500 spent on gas, grocery, and drugstore purchases for the first 6 months. Enjoy 1% cash rewards for other purchases
$0 annual fee

Is Wells Fargo Cash Back College Card worth it?

Wells Fargo Cash Back College Card is a solid card for students who want to build credit and earn cash back. However, the secured card market is filled with good options.

For example, other secured cards have longer intro periods, higher rewards rates, or fewer fees. If you want a longer 0% intro period, consider Bank of America Cash Rewards Credit Card for Students or Bankamericard for Students. If you want no foreign transaction fee for when you travel, consider Journey Student Rewards from Capital One or Bank of America Travel Rewards for Students. If you want higher rewards, consider Discover it Student Cash Back or Bank of America Cash Rewards Credit Card for Students.

With a maximum of $2,500 in cash back, the maximum 2% bonus cash you can get is $50, when you take into account the $25 of 1% cash you get automatically. Cash redemptions are available in $25 increments only, but you can share and pool your rewards with friends, family, or people in your community or donate your rewards.

Most people’s needs can be met with another secured card that offers better terms. However, if you are an existing Wells Fargo customer looking to build credit, you can’t go wrong with Wells Fargo Cash Back College Card.

Pros

Build your credit
Monthly reporting to big 3 credit bureaus
3% cash rewards earned for up to $2,500 spent on gas, grocery, and drugstore purchases for the first 6 months

Cons

Purchases made through a mobile wallet or through a mobile card reader will not earn 3% cash rewards
As is the case with most credit cards, you will need to demonstrate that you have income to be approved so that Wells Fargo knows you can make the monthly payment

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5
Cash Advance Fee	Either $10 or 5% of the amount of each advance, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Cell Phone Protection

Roadside Assistance

Travel and Emergency Assistance

Get Started with Wells Fargo Cash Back College Card

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Sallie Mae Ignite Review

Rating: 4 Stars

Bottom Line:
Cash Back for Students

Apply Now

Card Details

Regular APR:	14.74 – 24.74 (Variable)
Intro APR (Purchases):	0% for 12 months
Intro APR (Balance transfers):	None
Rewards Rate:	Unimited 1% cash back on every purchase 25% bonus on cash back after making six consecutive on-time payments
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	None
Card Brand:	Mastercard

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
The cash back credit card that helps students establish credit and earn bonus rewards for responsible financial behaviors
1% Cash back: Earn on every purchase, every day, with no limit
25% More cash back: Earn a 25% bonus on your cash back rewards after making six consecutive on-time payments
Become a Sallie Mae Ignite cardholder and you?ll have the chance to win $10,000 to help pay down your student loans. We’re choosing one winner every month for 12 months for a total giveaway of $120,000

Is Sallie Mae Ignite worth it?

Sallie Mae Ignite is a solid card for students looking to build credit. Cardholders earn 1% cash back on every purchase, every day, with no limit, and get 1.25% cash back after making six consecutive on-time payments.

It?s rare to see a giveaway as part of a credit card offer. In this case there is an opportunity to win $10,000 to help pay down your student loans. People who have Sallie Mae Accelerate or Sallie Mae Ignite are eligible and receive more entries, up to ten per day, by swiping their card.

The card offers secondary Cell Phone Protection through Mastercard, and the $600 benefit amount applies to each claim and is subject to a $50 co-pay per claim. You get up to $1000 in total benefit per year. This benefit is typically reserved for Mastercard World cards only.

The card also has no annual fee and as mentioned offers unlimited 1% cash back as a base rate, so Sallie Mae Ignite is a reasonably good offer for students. One note: if you are an international student, consider Deserve Edu Mastercard for Students, which does not require a SSN to apply.

Pros

1% Cash back: Earn on every purchase, every day, with no limit
Build your credit
Monthly reporting to 3 major credit bureaus

Cons

0% Intro period on purchases is only 6 months
25% cash back bonus requires six consecutive on-time payments. Journey Student Credit Card from Capital One has a bonus that be achieved more quickly: you get a 25% bonus for paying on time in that month
Foreign transaction fee

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

5 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	Either $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance Fee	Either $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Lost Luggage Reimbursement

Purchase Protection

Roadside Assistance

Travel Accident Insurance

Travel Assistance

Get Started with Sallie Mae Ignite

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Discover It Student Chrome Review

Rating: 5 Stars

Bottom Line:
Student Cash Back at Gas and Restaurants

Apply Now

Card Details

Regular APR:	14.74% – 23.74% (Variable)
Intro APR (Purchases):	0% for 6 months
Intro APR (Balance transfers):	10.99% for 6 months on qualifying balance transfers
Rewards Rate:	Earn 2% Cash Back at gas stations and restaurants on up to $1,000 in combined purchases each quarter Earn unlimited 1% cash back on all other purchases – automatically Discover will match all the cash back you’ve earned at the end of your first year, so your cash back gets doubled
Credit Needed:	(580-669) Average/Fair
Annual Fee:	None
Card Brand:	Discover

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Get $20 statement credit each school year your GPA is 3.0 or higher for up to next five years
Earn 2% Cash Back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically
Cashback Match: We’ll automatically match all the cash back you’ve earned at the end of your first year. There’s no signing up. And no limit to how much we’ll match
Your cash back never expires. Redeem your rewards in any amount, at any time
Free Social Security number alerts: we’ll monitor thousands of Dark Web sites when you sign up
If you misplace your card, you can freeze your account in seconds on the mobile app or website to prevent new purchases, cash advances, and balance transfers
Easily view your FICO Credit Score on monthly statements, mobile and online for free

Is Discover It Student Chrome worth it?

Discover It Student Chrome is a great card for students looking to build credit and earn cash back on gas and restaurants purchases. Students earn 2% Cash Back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, unlimited 1% cash back on all other purchases, and Discover will match all the cash back you’ve earned at the end of your first year so your cash back gets doubled. The $20 statement credit each school year you earn a 3.0 GPA or higher is a nice perk.

Pros

Build your credit
Report to all three major credit bureaus
Earn 2% Cash Back at gas stations and restaurants on up to $1,000 in combined purchases each quarter
Discover will match all the cash back you’ve earned at the end of your first year, so your cash back gets doubled
No annual fee

Cons

No 0% Intro APR for balance transfers

Why 5 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

5 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	After January 10, 2020, you no longer get an intro fee of 3% of the amount of each balance transfer that has posted to your account. It then becomes 5% of the amount of each transfer.
Cash Advance Fee	Either $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Get Started with Discover It Student Chrome

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Bankamericard for Students Review

Rating: ????? 5 Stars

Bottom Line:
Purchase and Debt Payoff for Students

Apply Now

Card Details

Regular APR:	14.74% ? 24.74% (Variable)
Intro APR (Purchases):	0% for 15 billing cycles
Intro APR (Balance transfers):	0% for 15 billing cycles for balance transfers made in the first 60 days
Rewards Rate:	None
Credit Needed:	(0 ? 300) Limited/No
Annual Fee:	$0
Card Brand:	Mastercard?

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click ?APPLY NOW? to apply online
0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 14.74% ? 24.74% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
No annual fee
No penalty APR. Paying late won?t automatically raise your interest rate (APR). Other account pricing and terms apply
Access your FICO? Score for free within Online Banking or your Mobile Banking app

Is Bankamericard for Students worth it?

BankAmericard? for Students from Bank of America is a great card for students who want to finance purchases or pay off debt. This card is identical to the Bankamericard, which is a great card for purchases and balance transfers with 0% Intro APR for 15 billing cycles (for balance transfers made in the first 60 days). This card does not offer rewards.

Pros

0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
0% Intro APR for 15 billing cycles for any purchases
Build your credit

Cons

No rewards

Why 5 Stars?

Regular APR

4 Stars. ????

Intro APR

5 Stars. ?????

Fees

5 Stars. ?????

Perks

4 Stars. ????

Overall

5 Stars. ?????

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	3% of the balance transfer amount or $10, whichever is greater
Cash Advance Fee	See Terms (has exception)
Penalty APR	None

Benefits

$0 Fraud Liability

Get Started with Bankamericard for Students

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Bank of America Travel Rewards for Students Review

Rating: 5 Stars

Bottom Line:
Student Travel Rewards Redeemable Through Travel Sites

Apply Now

Card Details

Regular APR:	16.74% – 24.74% (Variable)
Intro APR (Purchases):	0% for first 12 billing cycles
Intro APR (Balance transfers):	None
Rewards Rate:	Earn unlimited 1.5 points per $1 spent on all purchases No blackout dates or restrictions and points do not expire
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don?t expire
25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening that can be a $250 statement credit toward travel purchases
Use your card to book your trip how and where you want you’re not limited to specific websites with blackout dates or restrictions
Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
Comes with chip technology for enhanced security and protection at chip-enabled terminals
If you’re a Preferred Rewards member, you can earn 25% – 75% more points on every purchase

Is Bank of America Travel Rewards for Students worth it?

Travel Rewards from Bank of America for Students is an excellent card for students who want travel rewards. This card is identical to the Bank of America Cash Rewards card, which is a great card for travelers who want a flexible travel rewards program that allows them to redeem points on third-party travel sites for no annual fee.

Pros

25,000 online point bonus after spending $1,000 in first 90 days after account opening that can be a $250 statement credit toward travel purchases
Build your credit
Unlimited 1.5X points an all purchases
No annual fee
No foreign transaction fee

Cons

Travel rewards when redeemed for cash are much less than cash value from cash back rewards cards

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

5 Stars

Perks

4 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	3% on transaction amount or $10, whichever is greater
Cash Advance Fee	See Terms
Penalty APR	Up to 29.99%

Benefits

$0 Fraud Liability

Extended Warranty Program

Purchase Protection

Roadside Assistance

Travel Assistance

Get Started with Bank of America Travel Rewards for Students

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Bank of America Cash Rewards Credit Card for Students Review

Rating: 5 Stars

Bottom Line:
Cash Back In Categories That Are Common Expenditures For Students

Apply Now

Card Details

Regular APR:	15.74% – 25.74% (Variable)
Intro APR (Purchases):	0% for 15 billing cycles
Intro APR (Balance transfers):	0% for 15 billing cycles on any balance transfers made in the first 60 days of account opening
Rewards Rate:	3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings 2% cash back at grocery stores and wholesale clubs Up to $2,500 in combined 3% category and 2% grocery store/wholesale club quarterly purchases 1% cash back on all other purchases
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0
Card Brand:	Mastercard?

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
No annual fee
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
Earn 3% cash back on gas or your choice of one of five other popular categories, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 15.99% ? 25.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
No expiration on rewards
If you?re a Preferred Rewards member, you can earn 25% ? 75% more cash back on every purchase

Is Bank of America Cash Rewards Credit Card for Students worth it?

Bank of America Cash Rewards for Students is an excellent card for students who want rewards. This card is identical to the Bank of America Cash Rewards card, which is a great cash back card. Purchases on gas, online shopping, dining, travel, drug stores or home improvements and furnishings earn 3% cash back and are selected by the cardholder monthly.

Pros

$200 signup bonus after spending $1000 in first 90 days of account opening
Build your credit
0% for 15 months on purchases and balance transfers
No annual fee

Cons

3% and 2% rewards rate is capped at $2,500 in combined purchases per quarter

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	3% of the amount of each transfer or $10, whichever is greater
Cash Advance Fee	See Terms
Penalty APR	Up to 29.99%

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Concierge Service

Extended Warranty Program

Travel Accident Insurance

Lost Luggage Reimbursement

Purchase Protection

Roadside Assistance

Travel Assistance

Get Started with Bank of America Cash Rewards Credit Card for Students

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