Student Credit Cards
Best Student Credit Cards of October 2024
Being a student, while exciting, also comes with challenges. From the pressure of doing well in your academic life to choosing a profession, it’s like an uphill battle. On top of that, you have financial issues, including establishing a positive credit history. However, that’s nothing to be worried about, especially the lattermost problem. The key is purchasing a student credit card that aligns with your interests and financial condition. So, if you’re looking for one, this guide will prove significantly helpful in making a well-informed decision.
We have listed these cards for the benefit of our valued readers based on various factors, such as cashback on everyday purchases and annual fees. These reviews are based on the opinions of our reviewers because we believe in providing unbiased information. We advise you to read all the information carefully. After all, choosing the best student credit card is a critical decision you must not take lightly. We hope that you will have made your choice by the time you are done reading this.
These cards will significantly help in your future life, whether renting an apartment or applying for a loan.
Our Top Recommendations Based on Your Preferences
What to Know About the Best Student Credit Cards of 2024
Discover it® Student Cash Back
Our Rating:
5.0
Rewards Rate
5%
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.
1%
Earn unlimited 1% cash back on all other purchases - automatically.
Intro offer
Cashback Match
Annual fee
$0
Regular APR
18.24% - 27.24% variable
at Discover's secure site
Recommended credit
(No Credit History)
- 5% cash back on rotating categories each quarter (up to the quarterly maximum) when activated.
- 1% cash back on all other purchases.
- No annual fee.
- Cashback Match® – all the cash back earned in the first year is matched by Discover.
- Free access to your FICO® Credit Score.
Discover it® Student Chrome
Our Rating:
4.1
Rewards Rate
2%
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.
1%
Earn unlimited 1% cash back on all other purchases.
Intro offer
Cashback Match
Annual fee
$0
Regular APR
18.24% - 27.24% variable
at Discover's secure site
Recommended credit
(No Credit History)
- 2% cash back on dining and gas stations (up to $1,000 in combined purchases each quarter).
- 1% cash back on all other purchases.
- No annual fee.
- Cashback Match® – all the cash back earned in the first year is matched by Discover.
- Free access to your FICO® Credit Score.
Capital One SavorOne Student Cash Rewards Credit Card
Our Rating:
4.6
Rewards Rate
8%
8% Cash Back on Capital One Entertainment purchases
5%
5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
3%
3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)
1%
1% Cash Back on all other purchases
Intro offer
$50
Annual fee
$0
Regular APR
19.99% - 29.99% variable
at Capital One's secure site
Recommended credit
(No Credit History)
- 3% cash back on dining, entertainment, and popular streaming services.
- 1% cash back on all other purchases.
- No annual fee.
- No foreign transaction fees.
- One-time $50 cash bonus after spending $100 on purchases in the first 3 months.
Capital One Quicksilver Student Cash Rewards Credit Card
Our Rating:
4.6
Rewards Rate
10%
Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
1.5%
Earn unlimited 1.5% cash back on every purchase, every day
Intro offer
$50
Annual fee
$0
Regular APR
19.99% - 29.99% variable
at Capital One's secure site
Recommended credit
(No Credit History)
- 5% cash back on every purchase, every day.
- No annual fee.
- No foreign transaction fees.
- One-time $100 cash bonus after spending $500 on purchases in the first 3 months.
- Access to travel and emergency assistance services.
Discover it® Secured Credit Card
Our Rating:
4.1
Rewards Rate
2%
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.
1%
Earn unlimited 1% cash back on all other purchases.
Intro offer
Cashback Match™
Annual fee
$0
Regular APR
28.24% variable
at Discover's secure site
Recommended credit
(No Credit History)
- 2% cash back on gas stations and restaurants (up to $1,000 in combined purchases each quarter).
- 1% cash back on all other purchases.
- No annual fee.
- Cashback Match® – all the cash back earned in the first year is matched by Discover.
- Reports to all three major credit bureaus to help build credit.
Best Student Credit Cards - FAQs
No annual fee credit cards offer many advantages, the chief one being the lack of recurring costs of an annual fee. Apart from this, these cards come with additional advantages, including cash back or travel rewards. These cards are also excellent for building as well as maintaining good credit.
If you’re looking for a budget-friendly credit card, no annual fees credit cards are the best option. While cards with annual fees might offer more lucrative rewards and premium perks, no annual fee cards still provide competitive benefits for various spending habits.
When selecting a no annual fee credit card, consider the rewards structure and look for a card that offers rewards aligned with your spending habits. Assess introductory offers like APR or sign-up bonuses for immediate value. Evaluate the card’s long-term benefits, such as reward rates and protection features, and ensure your credit score meets the approval criteria.
Our Methodology And Research
Analyzed
Criteria Used
Rates and fees, rewards rates, sign-up bonuses, redemption options, credit needed, miscellaneous benefits, customer service, security, ease of application.