Best Credit Cards For Students [2022 Guide]

Best Credit Cards For Students

WalletHub editors spend months researching the best credit cards for students. The resulting list focuses on student-branded cards with no annual fee, which tend to offer the best deals. But there are many others to choose from. We recommend the Amazon Prime Student, Capital One Quicksilver Cash, and Bank of America(r) Unlimited Cash Rewards. Read on to find out what they have in common. And remember: there’s no better student credit card than a free one!

Discover it Student Cash Back

For students looking to build their credit, the Discover it Student Cash Back credit card is a great option. This card earns 5% cash back on rotating categories and matches the cash you earn the first year. Its low rewards rate is ideal for student purchases since it does not charge an annual fee. If you have a low credit score, this card is probably not for you. It also requires a low rewards rate on most purchases.

The Discover it Student Cash Back credit card offers 5% cash back in rotating categories and unlimited 1% cash back on all other purchases. Students can use their card to pay for gas, groceries, and toiletries. It can earn them $300 in rewards each quarter. With 1% cash back on all purchases, the card pays you $310 each year. This makes it one of the best student credit cards. There are many ways to earn rewards, so be sure to find one that works for you!

The Discover it Student Cash Back card has many pros over the Citi Rewards+(sm) Student Card. It has no annual fee, gives you 1% cash back on eligible purchases, and no foreign transaction fees. The only negative of the Discover it Student Cash Back card is the 3% balance transfer fee. If you want to transfer your balance to a different credit card, the Discover it Student Cash Back card is the way to go. However, you will have to read the fine print carefully to find out if you qualify.

If you’re looking for a card with an impressive cash back rate, the Discover it Student Cash Back credit card is the one for you. Its low annual fee is a plus, but the cash back rate is impressive and its terms are easy to understand. The Discover it Student Cash Back card also offers rotating bonus categories for users. Depending on your spending habits, you can earn more than one percent of your purchases with it each quarter.

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Capital One Quicksilver Cash

A Capital One Quicksilver Cash credit card offers a low interest rate and rewards program for students. It doesn’t require a FICO score and carries a $0 annual fee. The card offers 2% cash back on gas stations and 1% on everything else. It also reports payments to all three credit bureaus: Equifax, TransUnion, and Experian. It also offers a no annual fee option.

This Capital One credit card offers a $100 bonus for spending $100 in the first three months. Additionally, you can earn unlimited 5% cash back on Capital One Travel. This card offers strong rewards for students while building credit. It also has no annual or foreign transaction fee. However, it’s not the best choice for those with bad credit. However, it offers many of the same benefits as its parent card.

The Capital One Quicksilver Student Cash Rewards credit card is open to university and college students who have a decent FICO score of 630 to 689. You must be 18 years old or older to qualify for the card, but if you have a stable income, you can apply. Once approved, you’ll receive your card within seven to ten business days. And the best part is that there’s no expiration date for the card.

If you’re a student and are able to pay the card off in full, the Capital One Quicksilver Student Cash Rewards Credit Card is a good choice. It has low fees and relaxed underwriting, and earns 1.5% cash back on eligible purchases. Unlike many other student credit cards, this card also has no annual fee or security deposit. But remember that the rewards program isn’t as generous as the cash back program, so you might want to keep looking elsewhere.

Amazon Prime Student

Whether you’re in college or a recent grad, the Amazon Prime Student credit card has plenty of perks to offer you. You’ll enjoy free shipping on eligible items, unlimited photo storage, unlimited streaming movies and TV shows, early access to Amazon Lightning Deals, and other exclusive offers. Plus, with free two-hour delivery and same-day delivery, you’ll have no excuse to miss out on the latest gadgets.

The Deserve EDU student credit card lets you subscribe to Amazon Prime Student and pay for it with your credit card. You can choose a monthly or annual plan and receive a credit for the monthly fee. The annual fee is $59, but you can pay for it monthly with this card. You can pay for your membership month-to-month or pay it in full each year. If you cancel within the first nine months, you’ll still get reimbursed.

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The Deserve EDU Student credit card offers no annual fee and no foreign transaction fees. It also offers perks like a free year of Amazon Prime Student, and value-added perks like cellphone protection insurance worth up to $600 per claim. Those benefits make it an attractive option for students. You can easily apply for this card and enjoy the benefits it has to offer. There’s no foreign transaction fee on the Deserve EDU card. You can also enjoy cash-back rewards and a low APR.

To sign up for the Amazon Prime Student credit card, you must be a student enrolled in a university or college in the US or India. To apply for this membership, you must have an Amazon account, be a student, and have proof of enrollment in college. Then, you’ll need to confirm your eligibility by entering your card number. The process is quick and simple and will allow you to save money on everything you purchase on Amazon.

Bank of America(r) Unlimited Cash Rewards

The Bank of America(r) Unlimited Cash Rewards student credit card comes with no annual fee, but the benefits aren’t limited to that. The card has a decent sign-up bonus: $200 after making $1,000 in purchases within the first 90 days. While this bonus isn’t as generous as other credit cards, it’s still a decent deal compared to most. The credit card also has a variety of introductory offers.

The Chase Freedom Unlimited Credit Card offers a one-time offer that earns you up to $200 in cash back rewards. To qualify, you must spend $1,000 on purchases within the first 90 days. This is good for large purchases or balance transfers from another card. However, be aware that you will need to pay a balance transfer fee of 3% of the transferred amount, which can add up quickly.

The Bank of America Unlimited Cash Rewards credit card for students has a competitive introductory APR offer and offers streamlined cash back earning. This card is perfect for students looking for a credit card that earns a great rewards rate. No annual fee, no bonus categories, and unlimited points per dollar are the main advantages of this card. Besides the cash back, this card also comes with financial education tools for students.

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The Unlimited Cash Rewards Student credit card comes with an introductory offer: students can earn up to $200 when they make their first purchases. This is equivalent to 20% cash back. In comparison, the Chase Freedom Student Card offers a $50 statement credit after spending $1,000 within three months. While the BoA sign-up bonus is bigger, it is still manageable for a student. When comparing both cards, it is important to note that the Chase Freedom Student Card has higher introductory offer than the BoA card.

Chase Freedom(r)

The Chase Freedom(r) is a great student credit card, offering 1 percent cash back on purchases and no annual fee. This card offers a credit score for free, as well as other credit-building benefits. Many students are interested in building their credit, and this card is a good option for that. This card also offers better rewards rates and introductory APRs. For those who need a credit card for school, consider the Chase Freedom Student.

While most student credit cards are restricted by a minimum credit limit of $2,000, the Chase Freedom Student card offers many advantages. This credit card reports to all three of the major credit bureaus, TransUnion, Equifax, and Experian. Your credit score is used by lenders to determine whether or not you’re creditworthy. A credit score of 690 or higher can help you qualify for lower interest rates, as well as a first apartment.

The Chase Freedom Unlimited Credit Card offers a generous cash back rewards program. Students earn 1 percent cash back on all purchases, regardless of category. It also offers a $0 annual fee. It offers cash back for big expenses, as well as no minimum redemption. However, the cash back rate is lower than many other student credit cards. For students with specific expenses each month, another student credit card may offer higher rewards.

The Chase Freedom Student credit card is the best student credit card because it offers a generous cash back bonus of $50 after your first purchase. The bonus does not expire and there’s no minimum spending requirement. There’s no need to register for special promotions or sign up for bonus categories. Also, the Chase Freedom Student credit card offers a $50 signup bonus when you make your first purchase within three months of opening the account.

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