credit cards

Student

Smart educational and financial planning can put you on top. The right student card can earn you cash back during college and help build your credit score, all without charging an annual fee. Choose the credit card that fits your student needs.

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Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

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Discover It Student Cash Back Card
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card description

Rewards Rate

    • 2% cash back on gas and restaurants
    • 1% unlimited cash back on all other purchases
    • Good grade statement credits
    • Cashback Match at end of first year
    • Verdict: The Discover It Student Cash Back card has higher rewards for everyday purchases and special statement credits that make it one of the best credit cards for students.
Annual Fee

None

Foreign Transaction Fee

None

APR

12.99% - 21.99%, 0% for the first 6 months.

Penalty Fee

None

Balance Transfer Fees

3% intro balance transfer fee, up to 5% fee on future balance transfers

Deserve EDU
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card description

Rewards Rate

  • This card is designed with immigrants and international students in mind.
  • With the Deserve EDU card, you can earn 1% back on all purchases.
  • There is no annual fee and it has no foreign transaction fee.
Annual Fee

None

Foreign Transaction Fee

None

APR

18.74% variable

Penalty Fee

None

Balance Transfer Fees

N/A

Chase Freedom Student Card
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card description

Rewards Rate

  • 1% cash back on all purchases.
  • $50 bonus offer.
  • $20 good-standing rewards.
  • Verdict: Although the Chase Freedom Student credit card only has a flat cash-back rate of 1%, it does offer a bonus and an annual reward that may make it worth having.
Annual Fee

None

Foreign Transaction Fee

3%

APR

14.99%

Penalty Fee

N/A

Balance Transfer Fees

5% or $5, whichever is greater.

Discover It Student Chrome Card
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card description

Rewards Rate

  • 2% cash back for gas and restaurant purchases.
  • 1% unlimited cash back for all other purchases.
  • Statement credits for good grades.
  • Cashback Match at end of first year.
  • Verdict: The Discover it Student Chrome card features a solid rewards rate and other perks. But what really makes the card stand out is the lack of credit card fees.
Annual Fee

None

Foreign Transaction Fee

None

APR

12.99 to 21.99%, 0% for the first 6 months

Penalty Fee

N/A

Balance Transfer Fees

3% intro balance transfer fee; then 5% on future balance transfers

Capital One Journey Student Rewards Card
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card description

Rewards Rate

  • 1% cash back on all purchases.
  • 1.25% cash-back boost each month you pay on time.
  • Verdict: The Journey Student Rewards from Capital One is for students with limited or average credit who want more than the standard 1% cash-back rate. But its APR isn’t quite as competitive as other student cards.
Annual Fee

None

Foreign Transaction Fee

None

APR

22.99%

Penalty Fee

None

Balance Transfer Fees

None, whichever is greater.

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