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Best Student Credit Cards

by Michael

Best College Student Credit CardsTeaching young adults about credit cards is a very necessary thing to do because mistakes made with a student credit card pale in comparison to the mistakes possible when you’re an established professional. For one, the credit limit is much lower on a student credit card, making the possible debt load less. Then, should you make a late payment or default on your card, you’ll have more time to correct your mistakes before your credit is needed for a house or car purchase.

Student credit cards certainly have their pros and cons, but if used responsibly, the experience and rewards gained by credit cards can certainly help a students future. We’ve compiled a short list of the best student credit cards in the market today. All of these cards teach responsible spending while rewarding students for on time payments, good grades and responsible spending.

Not too long ago, credit card issuers offered students free t-shits, koozies, slices of pizza, and other random goodies as a reward for applying for a credit card. Rules have changed, and applying for a student credit card is a little more strict now. This is a good thing, as many students took on more than they could handle. The following student credit cards offer good rewards programs, have reasonable interest rates, and no annual fees. When used properly, they can help you learn to use credit responsibly and help you build your credit score.

Top Credit Cards for College Students

Citi ThankYou® Preferred Card for College Students – Earn 2,500 Bonus Points.

Citi Forward® Card for College StudentsThe Citi ThankYou® Preferred Card for College Students – Earn 2,500 Bonus Points – This card features the opportunity to earn 2,500 bonus ThankYou® Points after spending $500 within the first 3 months of cardmembership. It also offers 2 ThankYou® Points per dollar spent on purchases for dining at restaurants and entertainment, and 1 ThankYou® Point on other purchases. Your ThankYou Points do not expire and you can earn unlimited Thank You Points. These Points can be redeemed for merchandise, travel rewards, gift cards, cash and more. Cards feature Chip Technology which is more secure than just a magnetic stripe, and is great for international travel where most credit card merchants no longer accept cards without smart chips. There is no annual fee*. Click Apply Now for pricing information.

Citi® Dividend® Card for College Students.

Citi® Dividend® Card for College Students – If rewards are of importance, the best student credit card would be the Citi® Dividend® Card for College Students. Earn 5% cash back every quarter in must have categories. Enrollment each quarter is quick and easy. Additional rewards can be earned on other purchases, including 1% cash back on all other purchases. The total cash back earned with the card is $300 per calendar year. Here are more details:

  • Citi® Dividend® Card for College StudentsBuild credit while earning cash back fast
  • Earn 5% CASH BACK in categories every quarter. Right now, on eligible purchases within the Hilton Portfolio, car rental agencies, movie theaters and theme parks from 7/1/14 – 9/30/14.
  • Enrollment each quarter is quick and easy.
  • Earn 1% cash back on all other purchases
  • The total cash back earned with the card is $300 per calendar year. See Citi Dividend Card Reward Program Information.
  • Choose your payment due date
  • Manage your account online, on your tablet or on your Smartphone
  • No Annual Fee
  • Click Apply Now for pricing details

Discover it® for Students with $20 Cashback Bonus.

  • Discover® it for StudentsFair. No annual fee. No overlimit fee. No foreign transaction fee. No late fee on your first late payment. And paying late won’t increase your APR.*
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 when you sign up*. 1% cash back on all other purchases automatically.*
  • Human. Talk to a real person any time with 100% U.S.-based service.
  • Looks out for you-since each Discover purchase is monitored. If it’s unusual, you’re alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.*
  • Experience our cash rewards with $20 Cashback Bonus® when you make your first purchase within 3 months of approval.*
  • *Click “Apply” to see rates, rewards and other information.
  • Apply Now!

Discover it® chrome for Students.

  • Discover it® chrome for StudentsNo annual fee, no late fee on your first late payment, no overlimit fee and no foreign transaction fee*.
  • 2% cash back automatically on up to $1,000 in combined purchases at restaurants and gas stations every quarter – no sign-ups needed*. 1% cash back on all your other purchases.
  • 0% intro APR on purchases for 6 months – then a variable purchase APR applies, currently 12.99% – 21.99% Variable*.
  • APR won’t go up if you pay late.
  • Free FICO® Credit Score online and on your monthly statement so you can track your score’s progress*.
  • Free text alerts can remind you when your payment is due. And free mobile app helps you stay on top of your account.
  • U.S. based customer service – anytime, day and night.
  • *Click “Apply” to see rates, rewards and other information.
  • Apply Now!

* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Now” button, you can review the credit card terms and conditions on the issuer’s website.

Discover is a paid advertiser of CashMoneyLife.com


Published or updated July 2, 2014.
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{ 2 comments… read them below or add one }

1 Briana @ GBR

I have the Citi Forward and the Capital One cards and love them both. Of course, I’m trying to pay my debt down on them, but they’re definitely great starter credit cards.

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2 allison @ cheapdanny

Great list! I sure wish I saw pros and cons of different cards when I was in college.

Reply

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