Best Student Credit Cards
The best student credit cards help young adults build credit while earning rewards and avoiding unnecessary fees. These cards are designed for first-time users with little or no credit history and often come with useful tools, flexible approval standards, and no annual fee. Some even offer perks for good grades or responsible usage. Building credit in school can open doors for years to come.
Our Picks
Last updated July 29, 2025
Discover it® Student Cash Back
Discover
| Annual Fee | $0 |
| Rewards Rate | 5% cash back on everyday purchases |
| Sign Up Bonus | Unlimited dollar-for-dollar cash back match |
| Network | Discover |
Discover it® Student Chrome
Discover
| Annual Fee | $0 |
| Rewards Rate | 2% cash back at gas, restaurants |
| Sign Up Bonus | Unlimited dollar-for-dollar match of cash back |
| Network | Discover |
Bank of America® Unlimited Cash Rewards Credit Card for Students
Bank of America
| Annual Fee | $0 |
| Rewards Rate | 1.5% cash back on all purchases |
| Sign Up Bonus | $200 online cash rewards bonus |
Bank of America® Customized Cash Rewards Credit Card for Students
Bank of America
| Annual Fee | $0 |
| Rewards Rate | 3% cash back + 3% bonus |
| Sign Up Bonus | $200 online cash rewards bonus |
Discover it® Secured Credit Card
Discover
| Annual Fee | $0 |
| Rewards Rate | 2% cash back at gas stations |
| Sign Up Bonus | Unlimited dollar-for-dollar cash back match |
| Network | Discover |
Bank of America® Travel Rewards Credit Card for Students
Bank of America
| Annual Fee | $0 |
| Rewards Rate | 1.5 points per $1 |
| Sign Up Bonus | 25,000 online bonus points |
Bank of America Customized Cash Rewards Secured Credit Card
Bank of America
| Annual Fee | $0 |
| Rewards Rate | 3% and 2% Cash Back |
Chase Freedom Rise® Credit Card
Chase
| Annual Fee | $0 |
| Rewards Rate | 1.5% cash back on all purchases |
| Sign Up Bonus | $25 statement credit for auto-pay |
Ink Business Premier® Credit Card
Chase
| Annual Fee | $195 |
| Rewards Rate | 2% - 5% Cash Back |
| Sign Up Bonus | $1,000 bonus cash back |
Bank of America® Travel Rewards Secured Credit Card
Bank of America
| Annual Fee | $0 |
| Rewards Rate | 1.5 points per $1 spent |
| Network | Visa |









