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*: | 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 a cash reward credit card. Enroll and earn up to 5% in totating categories like travel, gas, groceries, restaurants, movies and many more. Those who spend up to $1,500 on general purchases will receive a .25% rebate, between $1,500 and $3,000 will receive a .5% rebate, and over $3,000 will receive a 1% rebate.* 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. 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. * See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.
2. Citi® mtvU™ Platinum Select® Visa® Card for College Students
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| Interest Rate*: | As low as 17.24%V |
|---|---|
| Intro Rate: | 0% APR for 6 months if you qualify |
| Grace Period: | 20 Days (Min.) |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: The introductory rate will be 0% APR on Purchases for 6 months, if you qualify, based on your application and credit history.
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*: | 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 a cash back rewards program. This is a good choice if you pay off your balance each month. Enroll and earn up to 5% in rotating categories like travel, gas, groceries, restaurants, movies and many more. Students who spend up to $1,500 on general purchases will receive a .25% rebate, between $1,500 and $3,000 will receive a .5% rebate, and over $3,000 will receive a 1% rebate.* If not a full-time student, must have minimum household income of $15,000. 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. * See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.
4. Discover® Student Card - Tropical Beach
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| Interest Rate*: | 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 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 enroll to earn up to 5% in categories that change like travel, gas, groceries, restaurants, movies and many more. Those who spend up to $1,500 on general purchases will receive a .25% rebate, between $1,500 and $3,000 will receive a .5% rebate, and over $3,000 will receive a full 1% rebate.* If not a full-time student, must have minimum household income of $15,000. This card will benefit those students who plan to spend over $3,000 a year (to earn the 1% cash rebate), plan to use their Cashback Bonus® award at participating retailers (to earn a full 5% rebate and double cash rebates), and plan to pay in full each month * See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.
5. Discover® Student Card - Monogram Collection
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| Interest Rate*: | 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). Enroll and earn 5% in rotating categories like travel, gas, groceries, restaurants, movies and many more. Those who spend up to $1,500 on general purchases will receive a .25% rebate, between $1,500 and $3,000 will receive a .5% rebate, and over $3,000 will receive a 1% rebate.* Earn unlimited rebates per year. Rebates expire if there is no activity during a 36-month period. Earn a double Cashback Bonus® for redeeming their rebates for gift certificates from participating Discover Card Partners. Benefits include up to $500,000 in travel accident insurance, and auto rental insurance. This card will benefit those who will spend over $3,000 per year (to get the 1% cash rebate), and will pay in full each month. * See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.
6. Citi Forward(SM) Card for College Students
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| Interest Rate*: | 17.24%V |
|---|---|
| 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.
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 2,500 bonus points when you sign up for paperless statements within the first three months of opening the account. Receive 3,500 bonus points when they make their first $250 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.
7. Current by Discover - Teen Prepaid Debit Card
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| Interest Rate*: | n/app |
|---|---|
| Intro Rate: | No Inductory Rate Available* |
| Grace Period: | n/app |
| Credit Limit: | n/app |
| Annual Fee: | None |
Our Opinion: The Current by Discover - Debit Card for Teens is a prepaid debit card developed especially for teens, but with their parents in mind. This card helps parents and teens work together to set spending limits and establish responsible spending habits. Current by Discover is the only prepaid card that helps parents monitor their teens' spending. Parents can set up spending limits and restrict shopping categories. This gives teens freedom while helping their parents maintain control. Current by Discover offers free direct deposit for parents and teens, as well as free deposits from any credit card or bank account. Once money is added, teens can use the card to make purchases online, over the phone and in stores. The card can even be used at the ATM for cash withdrawals. Because money can be added quickly and easily, this is the ideal for use in emergencies. Plus, this card's $0 fraud liability guarantee makes it a safe way to keep and spend money. This card has a participation fee of $5 per month. Other fees, which are minimal, include $.50 per ATM withdraw (after the first four, which are free), $3 to replace a lost or stolen card, and $5 to receive a card statement by mail. Free card statements can be viewed online any time. There is no inactivity fee. Parents who are looking for a better way to control their teen's spending will appreciate the controls offered by Current by Discover, while teens will appreciate its flexibility and ease of use.
