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: | 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% on specific categories that change 4 times each year (categories include gas stations, restaurants, travel and more). Spend less than $1,500 (or purchases at warehouse clubs and discount stores)-.25% rebate, Spend $1,500-$3,000- .5% rebate, spend over $3,000- 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. 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: | 12.24% |
|---|---|
| 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 for all transactions.
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 between 250 and 2,000 bonus points for making good grades. Receive 25 points 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 - 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). Earn up to 1% for general purchases. Earn 5% in popular categories that change four times a year (travel, movies, gas, restaurants, movies, etc.). Spend up to $1,500 and get a .25% rebate; $1,500-$3,000 and get a .5% rebate; over $3,000 will get a 1% rebate. Earn unlimited rebates per year. Rebates expire if there is no activity during a 36-month period.
4. 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: | 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% on specific categories that change 4 times a year (categories include gas stations, restaurants, travel and more). Spend up to $1,500 (or purchases at warehouse clubs and discount stores)-.25% rebate, Spend $1,500-$3,000- .5% rebate, spend over $3,000- 1% rebate. 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.
5. Capital One® Standard Platinum for Students
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| Interest Rate: | 19.80% |
|---|---|
| Intro Rate: | 0% on Purchases until June 200 |
| Grace Period: | 25 Days |
| Credit Limit: | up to $3,000 |
| Annual Fee: | None |
Special Offers: A 0% introductory rate is available on purchases until June 2009. See terms and conditions for complete details.
Our Opinion: Created for those with limited credit history. No rewards with this card and the rate is higher than some other student cards. Benefits include extended warranties for purchases.
8. Discover® Open Road(SM) Card for Students
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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 to earn cash rewards for their gas and auto maintenance purchases. Earn 5% rebate for gas and auto maintenance purchases. Spend up to $1,500 and get a .25% rebate; spend $1,500-$3,000 and get a .5% rebate; spend over $3,000 and get a 1% rebate. Redeem rewards in $20 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).
9. Capital One® No Hassle Cash(SM) Rewards for Students
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| Interest Rate: | 16.90% |
|---|---|
| Intro Rate: | 0% on Purchases until June 200 |
| Grace Period: | 25 Days |
| Credit Limit: | up to $3,000 |
| Annual Fee: | $29 |
Special Offers: A 0% introductory rate is available on purchases until June 2009. See terms and conditions for complete details.
Our Opinion: Created for students with limited credit history who want a cash reward card. Earn 1% cash back on all purchases. Earn a 25% bonus on all cash earned in the previous year. Earn unlimited cash back each year, and no minimum required to redeem cash. $29 annual fee. Benefits include travel accident insurance, extended warranties for purchases, and roadside assistance.
10. 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: | 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% on specific categories that rotate every 4 months (the categories include gas stations, restaurants, travel and more). Spend up to $1,500 (or purchases at warehouse clubs and discount stores)-.25% rebate, Spend $1,500-$3,000- .5% rebate, spend over $3,000- 1% rebate. 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.
