Credit Cards For College Students

capital-one-student-credit-cardBelow are credit cards offered specifically to college students, meaning you should have an easier time qualifying for these cards as a student than you would if you tried to get a regular consumer credit card.

  • Journey Student Rewards Card from Capital One – Good college credit card that offers 1% cash back plus an extra .25% each month as long as you pay on time. You also get access to your credit score each month, so (hopefully) you will get to watch your credit get better and better. The card’s 24.99% interest rate is high even for a college student card. No annual fee.
  • BankAmericard Cash Rewards Credit Card for Students – Get 3% cash back on gas purchases with this card, 2% on grocery and wholesale club purchases, and 1% cash back everywhere else. No annual fee.

  • Discover it Card for College Students – Get 5% cash back in certain bonus categories, which change every calendar quarter. You’ll get 1% cash back on all other purchases, too. First year reward earnings get doubled at the end of 12 months. You’ll also get a $20 extra reward each year if your student GPA is 3.0 or higher (for up to 5 school years). No annual fee.
  • Citi ThankYou Preferred Card For College Students – Offers a rewards program that gives you 2 points per dollar on restaurant and entertainment purchases, and 1 point per dollar on everything else. Points can be redeemed for cash, gift card, merchandise, travel, etc. Interest rate anywhere from 15.49%-25.49% depending on your “creditworthiness” — if you haven’t had credit before, you should count on getting a higher interest rate. No annual fee.
  • The Wells Fargo Cash Back College Card offers 1% cash back on all purchases. For the first 6 months you have the card, it also offers 3% back on gas, grocery and drug store purchases, but then that’s gone for good. Interest rate could be anywhere from 12.15% to 22.15% — count on the high end if you haven’t had credit before. No annual fee.
  • BankAmericard Visa for Students – A no-frills credit card with an interest rate as low as 12.99% (which you probably won’t get) to as high as 22.99% (more likely). It offers no rewards. However, it does offer 0% financing on purchases for the first 15 months — though we wouldn’t recommend loading up on debt just because you don’t have to pay interest for a while. No annual fee.
  • U.S. Bank – US Bank does not offer cards specifically marketed to college students, but it does offer a list of cards students may be approved for when you click on this link.