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BEST CREDIT CARDS & LOANS FOR STUDENTS IN 2022
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 January 2022
Checking Account Required
No
Maximum Loan Amount
See terms
Minimum Loan Amount
See terms
Employment Required
No
- Rates from 0.99%* and 2.91% fixed APR*
- Multiple repayment types
- There's no prepayment penalty if you'd like to pay off your loans faster
This offer is not available in New York, U.S. territories, Virgin Islands, Washington DC.
More Student Credit Offers
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
- Our process is safe, secure, fast and reliable.
- No waiting in lines or going to a physical store.
- Request your loan straight from your mobile phone, or computer.
- You may be approved in minutes, and your cash will be deposited straight into your bank account.
Checking Account Required
Yes
Maximum Loan Amount
$2,500
Minimum Loan Amount
$100
Employment Required
Yes
This offer is not available in Connecticut, New Hampshire, Vermont, Washington.
- Loan decisions in 2 minutes.
- All credit types considered.
- Large lender marketplace.
- See if you qualify today.
- Not available to residents of CT, NH, WA, and VT.
This offer is not available in Connecticut, New Hampshire, Vermont, Washington.
Checking Account Required
Yes
Maximum Loan Amount
$40,000
Minimum Loan Amount
$100
Employment Required
Yes
- No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
- 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
- Variable APRs range from 12.99% - 26.99%
- 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, Member FDIC
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
12.99% - 26.99% Variable
Annual Fee
$0
- $0 Annual Fee
- $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
- Variable APRs range from 19.99% - 29.49%
- 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, Member FDIC
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
19.99% - 29.49% Variable
Annual Fee
$0
This offer is not available in New York, U.S. territories, Virgin Islands, Washington DC.
- Rates from 0.99%* and 2.91% fixed APR*
- Multiple repayment types
- There's no prepayment penalty if you'd like to pay off your loans faster
- No Origination fee, No Service fee, No Prepayment penalties
- May need a co-signer
This offer is not available in New York, U.S. territories, Virgin Islands, Washington DC.
Checking Account Required
No
Maximum Loan Amount
See terms
Minimum Loan Amount
See terms
Employment Required
No
- All the benefits of a Mastercard, without a security deposit
- Keeping your account in good standing may help establish and/or improve your credit history
- Less than perfect credit is okay, even with a prior bankruptcy!
- Prequalify for a card today and it will not impact your credit score
- Reports to all three major credit bureaus
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
24.9%
Annual Fee
$59-$99
- Receive one year of Amazon Prime Student on Deserve after spending $500 in the first three billing cycles with your EDU card (Lifetime Value of $59).
- Earn 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning cash back on all purchases.
- Feel secure with cell phone protection up to $600.
- No deposit required. No annual fees.
- No international transaction fees on purchases abroad so you can travel with confidence.
- No Social Security Number required for international students to apply.
- Refer A Friend Program: Refer anyone to Deserve using your personal referral code. Upon approval, card activation and use, you'll receive $30 and so will your referral. Referral bonuses are unlimited!
- Manage and track your spending, set automatic payments and securely freeze your card all through one easy to use app.
- See if you prequalify with no impact to your credit score in minutes.
- Deserve Mastercards are issued by Celtic Bank, Member FDIC.
- Enjoy Mastercard Platinum Benefits intended to make your life easier like Mastercard ID Theft Prevention™ and Master Rental®.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
18.74% Variable
Annual Fee
$0
- Find your lowest rate from competing lenders
- Loans up to $300K. Rates from 1.90%
- 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 2.74% APR (with AutoPay)8
- Loan terms: 5, 7, 10, 15 and 20 year
- No application, no origination fees, 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
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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