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% and 1% cash back |
| Sign Up Bonus | Unlimited dollar-for-dollar cash back match |
| Network | Discover |
Discover it® Student Chrome
Discover
| Annual Fee | $0 |
| Rewards Rate | 2% and 1% cash back |
| Sign Up Bonus | Unlimited dollar-for-dollar cash back match |
| Network | Discover |
Ink Business Preferred® Credit Card
Chase
| Annual Fee | $95 |
| Rewards Rate | 1x-5x points |
| Sign Up Bonus | 100,000 bonus points |
Bank of America® Unlimited Cash Rewards Credit Card for Students
Bank of America
| Annual Fee | $0 |
| Rewards Rate | 1.5% - 2% Cash Back |
| Sign Up Bonus | Online $200 cash rewards bonus |
Bank of America® Travel Rewards Credit Card for Students
Bank of America
| Annual Fee | $0 |
| Rewards Rate | 1.5 points per $1 spent |
| Sign Up Bonus | 25,000 bonus points |
Bank of America® Customized Cash Rewards Credit Card for Students
Bank of America
| Annual Fee | $0 |
| Rewards Rate | 1%-6% Cash Back. |
| Sign Up Bonus | Up to $200 cash rewards bonus. |
Bank of America® Customized Cash Rewards Secured Credit Card
Bank of America
| Annual Fee | $0 |
| Rewards Rate | 1%-6% Cash Back |
| Sign Up Bonus | No signup bonus offered |
Eagle Ascend™ Credit Card
USAA
| Annual Fee | $0 |
| Rewards Rate | 1%-2% Cash Back |
| Sign Up Bonus | No signup bonus |
| Network | American Express |
Ink Business Premier® Credit Card
Chase
| Annual Fee | $195 |
| Rewards Rate | Earn 2%-5% cash back |
| Sign Up Bonus | Earn $1,000 bonus cash back |
Chase Freedom Rise® Credit Card
Chase
| Annual Fee | $0 |
| Rewards Rate | 1.5%-3% Cash Back |
| Sign Up Bonus | $25 statement credit |









