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Best Credit Card Offers for Students in 2019
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 CARD of September 2019
Compare
Fair/New to Credit
Intro APR on Purchases
0% (6 months)
Intro APR on Balance Transfers
10.99% (6 months)
Annual Fee
$0
- INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
- Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
- Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
More Student Credit Card Offers
Fair/New to Credit
- INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
- Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases - automatically.
- Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
- No annual fee. No late fee on first late payment. No APR change for paying late.
- Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
- Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
- 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 14.99% - 23.99%.
- Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Intro APR on Purchases
0% (6 months)
Intro APR on Balance Transfers
10.99% (6 months)
Ongoing APR
14.99% - 23.99% Variable
Annual Fee
$0
Fair/New to Credit
- INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
- Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
- Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
- No annual fee. No late fee on first late payment. No APR change for paying late.
- Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
- Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
- 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 14.99% - 23.99%.
- Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Intro APR on Purchases
0% (6 months)
Intro APR on Balance Transfers
10.99% (6 months)
Ongoing APR
14.99% - 23.99% Variable
Annual Fee
$0
Any Credit
- Find your lowest rate from competing lenders
- Loans up to $300K. Rates from 2.06%
- Checking rates won't affect your credit score
Checking Account Required
Yes
Maximum Loan Amount
$300,000
Minimum Loan Amount
See terms
Employment Required
No
Excellent / Good / Fair Credit
- Fixed rates starting at 3.48% APR (with AutoPay)8
- Loan terms: 5, 7, 10, 15 and 20 year
- No application, no origination fees, no prepayment penalties
Checking Account Required
Yes
Maximum Loan Amount
See terms
Minimum Loan Amount
See terms
Employment Required
Yes
Excellent/Good Credit
- PenFed is one of the only lenders that allows married couples to refinance together.
- Find your rate before applying
- No application or origination fees
- Get Rate With No Credit Check
- Combine Loans With Your Spouse
- Be Debt Free Sooner
- Get a Lower Fixed Rate
Checking Account Required
No
Maximum Loan Amount
$300,000
Minimum Loan Amount
$7,500
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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