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BEST CREDIT CARDS & LOANS FOR STUDENTS IN 2023
Are you a college student trying to establish and build your credit history? Well, look no further! Applying for a student credit card can be exhausting and confusing, especially for the first time. But our experts bring you the latest offers, making the process easy. The following credit cards are tailored to meet students' needs with features like 0% intro APR on purchases, no annual fee, or free text and e-mail alerts. Best of all, you can express your independence because most cards don't require an adult co-signer, if you are 18 or older.
BEST STUDENT CREDIT OFFERS of June 2023
Checking Account Required
Yes
Maximum Loan Amount
100% of school-certified expenses
Minimum Loan Amount
$5,000
Employment Required
Yes
- Fixed rates starting at 4.49 - 8.99% APR (with AutoPay)8
- Loan terms: 5, 7, 10, 15 and 20 year
- No application, no origination fees required, no prepayment penalties
More Student Credit Offers
- For a limited time earn $300 in cashback rewards towards any eligible student loan after you spend $3,000 in the first 90 days of account opening.
- 2% cashback towards eligible student loans.
- 1% cashback towards anything else.
- No annual fee.
- No foreign transaction fees.
- No interest for the first 12 months on balance transfers made in the first 60 days.
- The first credit card that lets you redeem cashback towards your student loans with any eligible servicer.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% Introductory APR for the first 12 monthly billing cycles
Ongoing APR
18.99% - 27.99% (Variable)
Annual Fee
$0
- Pay for your masters, doctoral, or professional degree with or without a cosigner.
- 1% Cash Back Reward upon graduation.
- Check your pre-qualified rates in minutes without impacting your credit score.
- Choose between fixed or variable interest rates.
- No application, origination, or disbursement fees AND there's no penalty if you pay off your loan early.
Checking Account Required
Yes
Maximum Loan Amount
$400,000**
Minimum Loan Amount
$2,001
Employment Required
Yes
- Exclusive benefit to Juno members is currently offering up to $1,000 cash back for borrowers who refinance with Splash. For Earnest and Laurel Road borrowers, it promises a rate reduction of 0.25%. With Laurel Road, you can also make $100 payments while you're in medical residency or fellowship.
- Juno is able to negotiate lower rates on student loans and student loan refinancing.
- Signup - no cost, no commitment, no credit check
Checking Account Required
Yes
Maximum Loan Amount
See terms
Minimum Loan Amount
See terms
Employment Required
No
- Find your lowest rate from competing lenders
- Loans up to $300K. Rates from 3.27%
- Checking rates won't affect your credit score
Checking Account Required
Yes
Maximum Loan Amount
$300,000
Minimum Loan Amount
$5,000
Employment Required
No
- Fixed rates starting at 4.49 - 8.99% APR (with AutoPay)8
- Loan terms: 5, 7, 10, 15 and 20 year
- No application, no origination fees required, no prepayment penalties
- Find a lower rate? We'll match it and give you $100 when your loan is funded. Terms apply12
Checking Account Required
Yes
Maximum Loan Amount
100% of school-certified expenses
Minimum Loan Amount
$5,000
Employment Required
Yes
This offer is not available in AR, CT, GA, NY, VT, WV.
- Need Cash? Get up to $35,000
- Installment loans for you!
- Personal Loans Online - All Credit Types Considered
- Connect with a Lender who understands your Financial needs!
- See cash in your account as soon as the next business day
This offer is not available in AR, CT, GA, NY, VT, WV.
Checking Account Required
Yes
Maximum Loan Amount
$35,000
Minimum Loan Amount
$100
Employment Required
Yes
- All the benefits of a Mastercard, without a security deposit
- 24/7 access to your account, even on mobile!
- Reports to all three major credit bureaus
- Less than perfect credit is okay, even with a prior bankruptcy!
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
See terms
Annual Fee
See terms
- No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
- Variable APRs range from 17.99% - 31.99%
- Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
- 1% cash back on eligible purchases right away
- 2% - 10% cash back at select merchants $300 - $10,000 credit limits
- No credit score? No problem. If eligible, we'll create your Cash Score instead.
- See if you're pre-approved within minutes without impacting your credit score.
- Build credit alongside hundreds of thousands of Petal card members.
- Petal reports to all 3 major credit bureaus.
- No deposits required
- Card issued by WebBank
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
17.99% - 31.99% Variable
Annual Fee
$0
- $0 Annual Fee
- Variable APRs range from 24.99% - 34.49%
- $300 - $5,000 credit limits
- Earn a credit limit increase in as little as 6 months. Terms and conditions apply.
- No credit score? No problem. If eligible, we'll create your Cash Score instead.
- 2% - 10% cash back at select merchants
- See if you're pre-approved within minutes without impacting your credit score.
- No annual or foreign transaction fees.
- Build credit alongside hundreds of thousands of Petal card members.
- Petal's mobile app makes it easy to manage your money, track your spending, and automate payments.
- Petal reports to all 3 major credit bureaus
- No deposits required
- Card issued by WebBank
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
24.99% - 34.49% Variable
Annual Fee
$0
Student Credit Cards
The days of receiving a weekly allowance are long gone. It's now time to start taking some responsibility for your finances and planning for your future. A great way to do that is to get a student credit card! While the application process can be exhausting and confusing, especially for the first time. Use these tips to make process quick, understandable, and beneficial.
Choosing a Credit Card for a Student
- Secured credit cards - The easiest way to build up credit and reap the benefits of a credit card is to apply for a secured card. These cards may not require a credit history and can be used just like a regular credit card for online purchases and bill payments. Cardmembers also may benefit from incentives like cash back offers. If you are trying to establish your credit rating, confirm that your credit will in fact be reported using this card because there still are secured cards that are not reported to the major credit bureaus.
- Bank - Turn to your own bank before you reach out to various credit card companies because your bank has a history of your income and spending habits. You may be a good candidate for a credit card if you have an account in good standing. And you may be able to negotiate a better interest rate than you would be able to get with another credit card provider.
- Store credit cards - Getting a store credit card is a great way to start familiarizing yourself with managing a credit card and making monthly payments. Bear in mind though that not all department store credit card activity is reported to the major credit rating companies, so make sure that yours does before acquiring a card, otherwise you are doing nothing to improve your credit score.
- Student credit cards - These cards are tailored to meet students' needs with features like 0% introductory APR on purchases, no annual fees, or access to FICO score! They can even come with rewards programs allowing students to save when they buy books, groceries or simply go out and have fun with friends.
Not Sure Which Card to Choose?
Ask Our Experts or Read Credit Card FAQs
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