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College Student Credit Cards

Student credit cards meet the special needs of  college students or consumers establishing credit or re-building credit lines.

There are many advantages to having such a card but there are also many questions about the use of student credit cards. Credit limits are lower than most credit cards and restrictions may apply.

Review our selection of the best college student credit cards. Your application will determine whether you are offered an unsecured card or a secured card with different credit limits and benefits.

Unsecured College Student Credit Cards:

The initial credit limit is at least $250.00 up to a maximum of $1,000.00. Your credit report and annual income determine the amount. There are often start-up fees for unsecured student credit cards:

  • Most cards have an annual fee
  • There may be a one-time account set up fee
  • One-time fee program fee for processing and credit bureau report
  • A monthly participation fee of $5.00, (allows holding card in a program with benefits)
  • Late fees apply to late payments and a fee if credit limit is exceeded.
  • The annual percentage rate is around 18% or more for average daily balances of $1000.00

Secured College Student Credit Cards :

This offer is much like a debit card but allows you to establish credit. The security deposit account is used to secure your student credit card. The initial credit limit is equal to your security deposit account with a balance of $200.00 to $5,000.00.

  • Annual fee may apply
  • A late fee of applies to late payments and a fee if credit limit is exceeded.
  • Other fees may apply.

The secured or prepaid student credit card offers cash advances. On purchases there is a 25-day grace period and balance transfers are usually not permitted. For the student or individual establishing credit or re-establishing credit, the student credit card is a good option available. You can get cash when you need it and have all the benefits of a regular Visa credit card. It is especially convenient to make Internet purchases. Whether you are Canadian or American look for applications for best credit card for a college student offered by American Express, Visa, MasterCard, Discover or Capital One.  I've done some shopping for the best deals that I could find and have provided them below. 

Featured College Student Credit Cards


Chase Student Flexible Rewards Card

student credit cards

FINDING YOUR STYLE ISN'T EASY, CHOOSING YOUR REWARDS IS.
Every purchase on your card earns you points towards free merchandise or gift certificates with the Chase Flexible Rewards Card.

When you buy your clothes, gear and tunes why not choose to reward yourself?
Save with low introductory rates, get great cardmember benefits, and establish your credit history at the same time. Apply Now!

  • 0% Introductory APR on all purchases and balance transfers for up to 6 months
  • No Annual Fee
  • 1 point per eligible dollar
  • Redeem points for merchandise

Universal Entertainment Student MasterCard®

  • 0% Introductory APR for up to 6 months
  • No Annual Fee
  • Free movie ticket after first purchase
  • Double points on select Universal Studios Theme Park purchases
  • 1 point for every dollar spent
  • Receive opening Weekend Tickets to Universal Movies
  • Discounts on Universal Studios Theme Park tickets and merchandise
  • Rewards start at 900 points

Discover® Student Clear Card

Discover Student Clear Card

No other card allows you to build your credit history like the Discover® Student Clear Card. Enjoy a 0% Intro APR on Purchases for 6 months, pay no annual fee and enjoy the Easiest Online Account Management Options. You’ll also earn full 5% Cashback Bonus® on Get More Program purchases throughout the year and Up to 1% Cashback Bonus® on all your other purchases*. Apply Now!

  • 0% Intro APR* on Purchases for 6 Months
  • No Annual Fee
  • Easiest Online Account Management Options
  • Full 5% Cashback Bonus® on Get More Program purchases throughout the year*
  • Up to 1% Cashback Bonus® on all your other purchases*
  • Build Your Credit History
  • Unlimited cash rewards that never expire as long as you use your Card.
  • DOUBLE your Cashback Bonus® (turn $20 into $40) when you redeem for gift cards or certificates from many of our 60 brand name partners
  • 100% Fraud Protection
  • Cool, Clear Design

Discover® Student Tropical Beach Card

Discover Student Tropical Beach Card

Building credit history is key to a solid financial foundation, and no other card allows you to build your credit history like the Discover® Student Tropical Beach Card. Enjoy a 0% Intro APR on purchases for 6 months, pay no annual fee and enjoy the Easiest Online Account Management Options. You’ll also earn full 5% Cashback Bonus® on Get More Program purchases throughout the year when you shop at places like bookstores, home improvement stores, gasoline stations, restaurants and more and earn up to 1% Cashback Bonus® on all your other purchases*. No need to worry because the unlimited cash rewards never expire as long as you use your Card. You also have the option to DOUBLE your Cashback Bonus® (turn $20 into $40) when you redeem for gift cards or certificates from many of our 60 brand name partners. Start Saving Today – APPLY NOW!

  • 0% Intro APR* on Purchases for 6 Months
  • No Annual Fee
  • Easiest Online Account Management Options

Student Credit Card To Smart Chip