10 Credit Cards Options For Students
Building good credit is an essential part of life that not many college students today realize the importance of. If you’re ever hoping to rent an apartment, buy a car, or apply for a loan one day, you need to start building good credit as soon as you can. A student credit card is a great solution to this, so if you’re looking to get started in the world of credit, check out this list of credit card options that are perfect for students!
1. Discover it Student Cash Back
This first credit card for students is a great first card that can teach college students to make responsible financial decisions. This specific card gives cardholders 5% cash back each quarter in different categories, such as restaurants, gas stations, and grocery stores. No credit history is needed to apply, so it’s great for an introduction to credit. Plus, Discover rewards students who maintain a 3.0 GPA during the school year with a $20 Good Grade Reward, something non-college students couldn’t get!
2. Deserve EDU Mastercard for Students
The next credit card on our list is fantastic for international students and doesn’t require any credit history or social security number. All you have to do to apply is to be over the age of 18, be enrolled in college, and have a U.S. bank account. Perks include a free year of Amazon Prime Student and no foreign transaction fees when used in other countries!
3. Bank of America Travel Rewards for Students
Our next great credit card for students is another travel-friendly one, perfect for students looking to study abroad or just travel in their free time. This card rewards you with points for usage that can be used to cover the cost travel in the future. Plus, just like the previous credit card, there are no foreign transaction fees so you don’t have to worry about any extra expenses. This credit card also offers no interest for the first 12 billing cycles, helping students pay off cards much easier!
4. Citi Rewards+ Student Card
If you tend to make smaller purchases more frequently than large ones, this card could be the most beneficial for you! The card is unique from all the other credit card options on this list, by rewarding those small purchases in the form of points and rounds all purchases up to the nearest ten points. So, if you buy a $3 sandwich, for example, you would get 10 points, and if you bought a $14 shirt, you would get 20 points. In addition to this, you’ll get 10% of your points back to redeem for gift cards or travel rewards!
5. Discover it Student chromeÂ
Our next student credit card on this list is very similar to the first Discover card but differs in bonus rewards categories. This card is perfect for college students that are frequently filling up their gas tank or eating out at restaurants because cardholders receive 2% cash back at gas stations and restaurants on up to $1,000 in purchases each quarter. And, just like the other Discover credit card, students who earn at least a 3.0 GPA during the school year will receive a $20 Good Grade Reward!Â
6. Journey Student Rewards from Capital One
With this credit card from Capital One, college students can earn cash back while building credit at the same time. This card has a $0 annual fee and you’ll earn 1% cash back on all purchases, including a %0.25 bonus for every month you pay on time. There are also no foreign transaction fees, so if you decided to go abroad for a semester, you wouldn’t have to worry about racking up additional fees. This card does require average credit to apply, but if you meet that, this card would be worth considering!
7. The Jasper Mastercard
This next credit card isn’t made specifically with students in mind like the previous ones listed but is great for students to start with nonetheless. The Jasper Mastercard is great for people who have no credit history or social security number and targets people who are completely new to the credit scene. This card doesn’t have rewards, but it’s great for building a good credit history that you’ll need in the future. It also has a high credit limit of up to $5,000, while many other cards only offer a few hundred dollars.Â
8. Discover it Secured
A secured credit card is great for a beginner to credit in general, especially with this Discover card. There is no annual fee, and cardholders are rewarded with 1% to 2% cash back on purchases. Also, at the end of your first year using the card, Discover will match all the cash back you’ve earned, essentially doubling your rewards. As a college student, this card is a great way to build up a solid credit history and save money at the same time!
9. Bank of America Cash Rewards for Students
Similar to the previous Bank of America credit card for students, this next credit card is full of perks and rewards. There is no annual fee, plus you’ll get 3% cash back in the category of your choice, whether that’s for gas, online shopping, travel, dining, and much more! You can also easily manage your finances with online banking through their mobile app. No previous credit history is needed so feel free to get started with this credit card!
10. Wells Fargo Cash Back College Card
Our last credit card on this list is designed for college students you want to build their credit but get some nice rewards at the same time. With this card, you’ll get 3% cash rewards on up to $2,500 spent on gas, groceries, or drugstore purchases within your first six months. And just like many of the other cards on this list, there is no annual fee or a history of credit needed to apply. If you’re a college student looking for the best of both worlds, check out this credit card!
