What are the requirements for approval for a student credit card?

Answered on August 04, 2010
Updated on August 04, 2010
The content is accurate at the time of publication and is subject to change.
James Williams James Williams
Approval policies and requirements vary depending on the issuing bank or terms and conditions of a particular card. Some credit cards for students require a co-signer for approval, some don't and may help you establish your own credit history. Sometimes good or excellent credit is needed to qualify for a student credit card. You must be at least 18 years of age and currently enrolled as college student. If you are looking for an offer with minimum requirements for approval, consider prepaid debit cards. They give 100% guaranteed approval with no credit check, they are safer than credit cards, as you do not have an outstanding balance, you can only spend what you have in the account. View best student credit cards on our site to choose one matching your style and habits.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.

User Comments about This Question

BROWSE MORE QUESTIONS ABOUT Student Credit Cards:

No, you won't need a co-signer to apply for a student credit card or Amex Everyday. In fact, there are not many issuers that would allow co-signers. That is actually great as cosigning is a complicated thing. Having your own credit card from the beginning is a great way to learn finances, responsibility, and to start building credit. You may qualify for a student credit card as long as you are at least 18 years old, have SSN, U.S. citizen/resident, and have verifiable income. To qualify for the Amex Every Day card, you should have at least good credit history. If you already have some...
The Amex EveryDay card is for applicants with good or excellent credit history. If your credit is lower, we would recommend considering a different credit card. Since you are a student, you can apply for a student credit cards. These cards are rather easy to qualify for but there still are some approval requirements. The requirements are simple: you should be a student over the age of 18, be a U.S. citizen or resident, have SSN (Social Security Number), have a verifiable income (your part-time job and money form parents will do), and you should not have bad credit already. You may qualify...
Starting credit history from the very beginning is always better than improving it and credit card issuers are not too captious.Look into credit cards for those with limited/no credit history: these cards are created for newbies. The cards have quite high APRs and fees. However it is possible to find a card with 0 intro APRs or without annual fee. Also some cards offer bonus programs: you can earn points or cash back on purchases you make.If your son wants a bonus credit card, Wells Fargo Cash Back College Card is not the best option as it has no bonus.

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