Build Credit with Student Credit Cards

Friday, April 5th, 2019
Updated: April 5th, 2019
The content is accurate at the time of publication and is subject to change.

It’s hard to imagine life without credit cards or loans these days. Everyone around participates in the race for a good credit score. It is as important for us as nothing else, that’s why you should start building it as early as possible.

College years, when you start independent life, are the very time to think about future and build credit history. Student credit cards can help you with this issue.

Student credit cards are designed specially for college students and often offer interesting perks and rewards. Most of student cards presuppose you already have a minimum credit history and require fair credit. Since all cards different, pay attention to interest rates, fees, main features and benefits they give. The main rule is to pay your balance in full each month so as not to worsen your credit, because you are only at the very beginning of its building. It is important to show issuers that, despite your young age, you can use the card responsibly.

Our Choice of Student Credit Cards

If you’re wondering which student credit card you should give preference to, here are some of our favorite offers:

The good news is you can apply for a Discover student credit card since you are 18. Discover it® Student Cash Back is a real godsend as it meets all main students’ needs.

First, the cardholders earn 5% cash back on up to $1,500 in category purchases each quarter, when they activate, as well as 1% for other purchases everywhere every day. However, this is not the limit, because all the cash back earned during the first year will be matched, provided that you are a new cardmember. Not bad, is it?

Secondly, your account activity will be sent monthly to the three major credit bureaus – Experian, Equifax and TransUnion. Thanks to this, you will be building your credit history bit by bit. If you are still worried about your credit, you will receive Social Security number alerts for free and get Freeze It® on/off switch for your account.

But that’s not all! Discover gives students the opportunity to make money off their knowledge. You can get extra $20 statement credit a year for 5 years just keeping up your GPA not lower than 3.0.

What is more pleasant, all these bonuses come with no annual fee and 0% intro 6 months purchase APR and ongoing APR of 14.99% - 23.99% Variable.

This card is very similar to the previous one. The only difference applies to the rewards programs. The Discover it® Student chrome credit card offers 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter automatically instead of 5% on quarterly rotating categories. Unlimited 1% cash back on other purchases stays the same.

Bottom Line

Though student credit cards look attractive and draw students’ attention with their bonuses, keep in mind that not every college student can qualify for them. Discover student cards’ requirements include not only being 18 years old. Along with that, they demand some confirmed income. In case you don’t meet the requirements yet, you’d better pay attention to secured credit card offers. These cards will become a good first step in building credit history but need you to load them with a particular refundable sum of money beforehand to protect the issuer.

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.

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