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What Are the Top 10 Credit Cards for Students?

Emma MarroneVerified
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Summary：Discover the top 10 credit cards for students, including cash back options, rewards cards, and secured cards to help build credit. Compare features and benefits to find the best credit card for your needs as a student.

As a student, having a credit card can be a great way to build your credit score and learn financial responsibility. However, with so many options out there, how do you know which credit card is right for you? In this article, we will explore the top 10credit cards for studentsand their features to help you make an informed decision.

1. Discover it Student Cash Back

The Discover it Student Cash Back card is a great option for students who want to earn cash back on their purchases. With this card, you can earn 5% cash back on rotating categories that change every quarter, and 1% cash back on all other purchases. Additionally, Discover will match all the cash back you earn in your first year as a cardholder.

2. Bank of America Cash Rewards for Students

Another great cash back option is the Bank of America Cash Rewards for Students card. This card offers 3% cash back on gas, 2% cash back on groceries, and 1% cash back on all other purchases. The card also comes with a $200 cash rewards bonus after you spend $1,000 in the first 90 days.

3. Citi Rewards+ Student Card

The Citi Rewards+ Student Card is unique in that it rounds up to the nearest 10 points on every purchase, making it easy to earn points quickly. You can earn 2 points per $1 spent at supermarkets and gas stations (up to $6,000 per year), and 1 point per $1 spent on all other purchases. Additionally, you can earn 2,500 bonus points after you spend $500 in the first 3 months.

4. Journey Student Rewards from Capital One

For students who are new to credit, the Journey Student Rewards from Capital One card is a great option. This card offers 1% cash back on all purchases, and an additional 0.25% cash back if you pay your bill on time. After 5 on-time payments, you can also receive a credit line increase.

5. Wells Fargo Cash Back College Card

The Wells Fargo Cash Back College Card offers 3% cash back on gas, grocery, and drugstore purchases for the first 6 months, and 1% cash back on all other purchases. Additionally, the card comes with cell phone protection when you pay your monthly bill with the card.

6. Deserve EDU Mastercard for Students

The Deserve EDU Mastercard for Students offers 1% cash back on all purchases, as well as a $30 statement credit when you sign up for a monthly Amazon Prime Student membership. The card also does not require a Social Security number to apply, making it a great option for international students.

7. Discover it Student chrome

The Discover it Student chrome card is another great option for cash back rewards. This card offers 2% cash back on gas and dining purchases (up to $1,000 in combined purchases per quarter), and 1% cash back on all other purchases. Additionally, Discover will match all the cash back you earn in your first year as a cardholder.

8. State Farm Student Visa Credit Card

The State Farm Student Visa Credit Card offers 1 point per $2 spent on all purchases, which can be redeemed for travel, gift cards, and more. Additionally, the card offers rental car collision damage waiver and travel accident insurance.

9. Capital One Secured Mastercard

For students with no credit or poor credit, the Capital One Secured Mastercard is a great option. This card requires a security deposit, but can help you build your credit with responsible use. Additionally, the card offers credit monitoring tools and access to a higher credit line after making your first 5 monthly payments on time.

10. BankAmericard for Students

The BankAmericard for Students is a great option for students who want a simple credit card with no rewards. This card offers a 0% intro APR on purchases for the first 15 billing cycles, which can help you make large purchases without accruing interest. Additionally, there is no annual fee for this card.

In conclusion, choosing the right credit card as a student can be intimidating, but there are plenty of great options available. By considering your spending habits and financial goals, you can find a credit card that works for you and helps you build a strong financial foundation for the future. Remember to always use credit responsibly and pay your bill on time to avoid high interest rates and fees.

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