Student Credit Cards
Student credit cards are a great way for college students to get discounts, earn rewards and receive other benefits by using their card at places they already shop, while also establishing their credit history. When researching credit cards for someone in school, there several things to look for to help you save money and get the best perks: cashback rewards, paying-on-time reward, redeemable points benefit, good GPA, introductory rate, standard APR and annual fee are some of the most common ones. Compare some of best student cards below, then click "apply now" to apply online.
Discover Student Cards
Discover® Student Mix Tape Card
The Discover Student Mix Tape Card is cool looking and helps students establish their credit while earning killer Cashback bonuses and rewards.
- Earn a 5% rebate on all purchases made in certain categories: gas, restaurants, department stores and more..
- Earn up to 1% for other purchases
- 0% APR for first 9 months
- *Click apply to view rates, fees, rewards, limitations and other important information
| Intro Apr | Balance Transfer | Regular APR | Annual Fee | Credit Needed |
|---|---|---|---|---|
| 0% | N/A | 13.99-20.99% | $0 | Fair |
* We make every reasonable effort to provide you with the most accurate offer information available; however, it's still important to review the terms and conditions set-forth on the credit card issuer's website. All information is presented here without warranty of any kind. Click on the "Apply Now" button to review each student credit card application page and fill out the online application form.
One of the main reasons to get a student credit card is to help young adults build up their creditworthiness. Many students have no credit history which can make it hard when it comes to buying a car or renting an apartment. By getting a credit card, using it wisely, and making your payments on time, you will start to establish a good credit history. This will make it much easier to get loans and finance other major items you might need, especially when you're a long way from home.
Another common reason for people to get one of these cards is that it makes it easier to keep track of specific purchases on one account statement. This can be useful for tracking down expenses when it comes time to do taxes or for seeking reimbursement from your parents or another source. They also come in handy in times of an emergency; it's always nice to have a little extra cushion in case there is the need for it.
Students who don't qualify for an unsecured credit card may want to consider a prepaid or secured card instead. Most secured credit cards report to the major credit bureaus and can help still adults establishing their credit for the first time, or those needing to get it back on track
Often times credit card companies will give you instant approval if you apply for a card online. However, some times when applying over the Internet additional time may be needed to approve an application, depending on each individual's credit situation.
Other Helpful Resources for Consumers
- FTC consumer information on credit and loans
- FRB's consumers guide to credit cards
