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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 Rate5% cash back on everyday purchases
Sign Up BonusUnlimited dollar-for-dollar cash back match
NetworkDiscover
3.6
Apply Now
at Discover's secure site

Discover it® Student Chrome

Discover
Annual Fee$0
Rewards Rate2% cash back at gas, restaurants
Sign Up BonusUnlimited dollar-for-dollar match of cash back
NetworkDiscover
3.6
Apply Now
at Discover's secure site

Bank of America® Unlimited Cash Rewards Credit Card for Students

Bank of America
Annual Fee$0
Rewards Rate1.5% cash back on all purchases
Sign Up Bonus$200 online cash rewards bonus
3.5
Apply Now
at Bank of America's secure site

Bank of America® Customized Cash Rewards Credit Card for Students

Bank of America
Annual Fee$0
Rewards Rate3% cash back + 3% bonus
Sign Up Bonus$200 online cash rewards bonus
3.2
Apply Now
at Bank of America's secure site

Discover it® Secured Credit Card

Discover
Annual Fee$0
Rewards Rate2% cash back at gas stations
Sign Up BonusUnlimited dollar-for-dollar cash back match
NetworkDiscover
2.9
Apply Now
at Discover's secure site

Bank of America® Travel Rewards Credit Card for Students

Bank of America
Annual Fee$0
Rewards Rate1.5 points per $1
Sign Up Bonus25,000 online bonus points
2.8
Apply Now
at Bank of America's secure site

Bank of America Customized Cash Rewards Secured Credit Card

Bank of America
Annual Fee$0
Rewards Rate3% and 2% Cash Back
3.1
Apply Now
at Bank of America's secure site

Chase Freedom Rise® Credit Card

Chase
Annual Fee$0
Rewards Rate1.5% cash back on all purchases
Sign Up Bonus$25 statement credit for auto-pay
2.9
Apply Now
at Chase's secure site

Ink Business Premier® Credit Card

Chase
Annual Fee$195
Rewards Rate2% - 5% Cash Back
Sign Up Bonus$1,000 bonus cash back
2.7
Apply Now
at Chase's secure site

Bank of America® Travel Rewards Secured Credit Card

Bank of America
Annual Fee$0
Rewards Rate1.5 points per $1 spent
NetworkVisa
2.8
Apply Now
at Bank of America's secure site

Resources

How to Choose Your First Student Credit Card

How Can I Build Credit as a College Student?

Student vs. Secured Credit Cards: Which is Right for You?

First Credit Card? Avoid These Common Mistakes

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