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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% and 1% cash back
Sign Up BonusUnlimited dollar-for-dollar cash back match
NetworkDiscover
4.8
Apply Now
at Discover's secure site

Discover it® Student Chrome

Discover
Annual Fee$0
Rewards Rate2% and 1% cash back
Sign Up BonusUnlimited dollar-for-dollar cash back match
NetworkDiscover
4.2
Apply Now
at Discover's secure site

Ink Business Preferred® Credit Card

Chase
Annual Fee$95
Rewards Rate1x-5x points
Sign Up Bonus100,000 bonus points
4.0
Apply Now
at Chase's secure site

Bank of America® Unlimited Cash Rewards Credit Card for Students

Bank of America
Annual Fee$0
Rewards Rate1.5% - 2% Cash Back
Sign Up BonusOnline $200 cash rewards bonus
3.8
Apply Now
at Bank of America's secure site

Bank of America® Travel Rewards Credit Card for Students

Bank of America
Annual Fee$0
Rewards Rate1.5 points per $1 spent
Sign Up Bonus25,000 bonus points
3.3
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 Rate1%-6% Cash Back.
Sign Up BonusUp to $200 cash rewards bonus.
3.2
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 Rate1%-6% Cash Back
Sign Up BonusNo signup bonus offered
3.9
Apply Now
at Bank of America's secure site

Eagle Ascend™ Credit Card

USAA
Annual Fee$0
Rewards Rate1%-2% Cash Back
Sign Up BonusNo signup bonus
NetworkAmerican Express
3.0
Apply Now
at USAA's secure site

Ink Business Premier® Credit Card

Chase
Annual Fee$195
Rewards RateEarn 2%-5% cash back
Sign Up BonusEarn $1,000 bonus cash back
3.1
Apply Now
at Chase's secure site

Chase Freedom Rise® Credit Card

Chase
Annual Fee$0
Rewards Rate1.5%-3% Cash Back
Sign Up Bonus$25 statement credit
3.2
Apply Now
at Chase'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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