Student Credit Cards
These credit cards are for a high school or college student. These cards help students build their own credit history and most have relatively low credit limits. Most student cards have some reward feature for everyday purchases. Our objective opinion is included on each card.
1. Discover® Student Card
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| Interest Rate: | as low as 14.99% |
|---|---|
| Intro Rate: | 0% Interest* for 6 Months |
| Grace Period: | 25 Days (Min.) |
| Credit Limit: | up to $5,000 |
| Annual Fee: | None |
Special Offers: There is a 0% introductory APR* on purchases for 6 months. See terms and conditions for complete details.
Our Opinion: Created for students who want a cash reward credit card. Earn unlimited rebates- up to 1% of general purchases and up to 5% in categories that change like travel, gas, groceries, restaurants, movies and many more. Purchases that are part of your first $3,000 earn .25%, earn a full 1% unlimited Cashback Bonus® on all other purchases after your total annual purchases exceed $3,000. Double Cashback Bonus® by using rewards for gift cards at participating retailers. If not a full-time student, must have minimum household income of $15,000. Uses Two Cycles Average Daily Balance which may result in a higher finance charge. This card will benefit those who will spend over $3,000 a year (to get the 1% cash rebate), and plan to pay off their balance each month.
2. Citi® mtvU™ Platinum Select® Visa® Card for College Students
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| Interest Rate: | 17.24% |
|---|---|
| Intro Rate: | 0% APR for 6 Months |
| Grace Period: | 20 Days (Min.) |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: The introductory rate is available on purchases and balance transfers.
Our Opinion: This is a good choice if you pay off your card each month and use the reward program. Earn 1 point per $1 for general purchases and 5 points per $1 spent on purchases made on entertainment such as dining, bookstores, music stores, videos and movies. Receive 2,000 Thank You Points twice a year for maintaining good grades. Receive 25 Thank You Points every month for payments made on time and remaining under the credit limit. Redeem points for tickets to the MTV VMA's, gift certificates, CDs, airline tickets, or a VIP pass for mtvU Spring Break. Earn up to 75,000 points per year. Receive 10% purchase discounts at the online MTV store the MTV store in New York City.
3. Discover® Student Card - Clear
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| Interest Rate: | as low as 14.99% |
|---|---|
| Intro Rate: | 0% Interest* for 6 Months |
| Grace Period: | 25 Days (Min.) |
| Credit Limit: | up to $5,000 |
| Annual Fee: | None |
Special Offers: There is a 0% introductory APR* on purchases for 6 months. See terms and conditions for complete details.
Our Opinion: Created for students who want a cash back rewards program. This is a good choice if you pay off your balance each month. Earn unlimited Cashback Bonus® of up to 1% of general purchases; earn up to 5% in categories that change like travel, gas, groceries, restaurants, movies and many more. Purchases that are part of your first $3,000 earn .25%, earn a full 1% unlimited Cashback Bonus® on all other purchases after your total annual purchases exceed $3,000. If not a full-time student, must have minimum household income of $15,000. Uses Two Cycles Average Daily Balance which may result in a higher finance charge. This card will benefit those who plan to spend over $3,000 per year (to earn the 1% cash rebate) and will pay off their total balance each month.
4. Discover® Open Road(SM) Card for Students
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| Interest Rate: | as low as 14.99% |
|---|---|
| Intro Rate: | 0% Interest* for 6 Months |
| Grace Period: | 25 Days (Min.) |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: There is a 0% introductory APR* on purchases for 6 months. See terms and conditions for complete details.
Our Opinion: Created for students who want to earn cash rewards for their gas and auto maintenance purchases. Purchases that are part of your first $3,000 earn .25%, earn a full 1% unlimited Cashback Bonus® on all other purchases after your total annual purchases exceed $3,000. Redeem rewards in $50 increments. This card is a good choice if you plan to spend up to $1,200 per year on gas and auto maintenance (to get the full 5% cash rebate).
5. Discover® Student Card - Tropical Beach
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| Interest Rate: | as low as 14.99% |
|---|---|
| Intro Rate: | 0% Interest* for 6 Months |
| Grace Period: | 25 Days (Min.) |
| Credit Limit: | up to $5,000 |
| Annual Fee: | None |
Special Offers: There is a 0% introductory APR* on purchases for 6 months. See terms and conditions for complete details.
Our Opinion: Created for students with limited or average credit history. This is a good choice if you pay off your balance each month and use the Cashback Bonus® program. Earn unlimited Cashback Bonus®- up to 1% of general purchases and up to 5% in categories that change like travel, gas, groceries, restaurants, movies and many more. Purchases that are part of your first $3,000 earn .25%, earn a full 1% unlimited Cashback Bonus® on all other purchases after your total annual purchases exceed $3,000. If not a full-time student, must have minimum household income of $15,000. Uses Two Cycles Average Daily Balance which may result in a higher finance charge.
6. Discover® Student Card - Monogram Collection
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| Interest Rate: | as low as 14.99% |
|---|---|
| Intro Rate: | 0% Interest* for 6 Months |
| Grace Period: | 25 Days (Min.) |
| Credit Limit: | up to $5,000 |
| Annual Fee: | None |
Special Offers: There is a 0% introductory APR* on purchases for 6 months. See terms and conditions for complete details.
Our Opinion: Created for students who want cash rewards. Personalized card displays cardholder's initial(s). Earn up to 1% for general purchases. Earn 5% in in categories that change like travel, gas, groceries, restaurants, movies and many more. Purchases that are part of your first $3,000 earn .25%, earn a full 1% unlimited Cashback Bonus® on all other purchases after your total annual purchases exceed $3,000. Earn unlimited rebates per year. Rebates expire if there is no activity during a 36-month period.
7. Citi Forward(SM) Card for College Students
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| Interest Rate: | 17.24% |
|---|---|
| Intro Rate: | 0% APR for 6 Months |
| Grace Period: | 20 Days (Min.) |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: Introductory rate is available on purchases and balance transfers.
Our Opinion: Rewards students for staying within their credit limit and paying on time. If you stay within your credit limit and pay on time, you will receive 100 bonus points per billing period and a possible reduction in your interest rates. Rate reductions occur at a rate of .25% after three months in a row of staying within the limit and paying on time. You could receive up to 8 reductions, for a 2% total reduction. Get 5,000 bonus points when you sign up for paperless statements within the first three months of opening the account. Receive 6,000 bonus points when they make their first $50 in purchases within the first three months. Receive 5 points per $1 spent at movie theaters, restaurants, book stores, and video rental stores. Receive $1 spent on all other purchases. Points can be redeemed through the Thank You network for cash, gift cards, electronics, music, and more. This card is a good choice if you pay off your balance each month.
