Compare Student Credit Cards

College student credit cards are a great choice for students want to manage their own expenses and learn about credit and lending. Student credit card offers are designed specifically to suit a student’s lifestyle and needs while helping them develop the credit they will need to apply later for a different type of credit card or a loan. Students can also earn rewards by using student credit cards. A student credit card can be the first step towards financial responsibility down the line. Compare student credit cards to see which offer is the best for you.

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    Your Average Savings

    Year One Year Two Year Three Total
    Interest Savings on Balance Transfers ? $315.45 $315.45 $315.45 $946.35
    * For Interest Savings on Balance Transfers calculations, we use the amount you input in your "My Credit Card Profile". For calculation purposes, please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
    Interest Savings on Balance for New Purchases ? $810.30 $420.60 $420.60 $1,651.50
    * For Interest Savings on Balance Carried on New Purchases calculations, we use the amount you input in your "My Credit Card Profile". Please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
    Reward Points ? $86.40 $86.40 $86.40 $259.20
    * This card offers 5% cash back ($.05) on up to $1,500 spent in rotating categories that change each quarter. Creditnet assumes cardholders spend 35% of their total purchase balance on these 5% cash back options. Creditnet then assumes that consumers earn 1% cash back on the remaining 65% of their monthly purchase balance.
    Anniversary Bonus ? $0.00 $0.00 $0.00 $0.00
    *
    One Time Bonus ? $0.00 $0.00 $0.00 $0.00
    *
    Balance Transfer Cost ? -$135.00 -$0.00 -$0.00 -$135.00
    * For Balance Transfer Cost calculations, we take the specific balance transfer fee associated with a card to determine the cost. Once this balance transfer cost is calculated, we deduct this value from the total savings amount. Please note that we only factor in this cost if a user intends to transfer a balance, as determined by selecting "Yes" under "I want to carry a balance" in your "My Credit Card Profile".
    Annual Fee ? -$0.00 -$0.00 -$0.00 -$0.00
    * Annual fee costs are only deducted from your total savings when a card includes an annual fee. Credit cards that waive the annual fee for the first year have also been accounted for in our calculations.
    Totals $1,077.15 $822.45 $822.45 $2,722.05
    * Credit card savings displayed are based on estimates as calculated by MyRatePlan, are not endorsed by any credit card issuer, and are for comparison purposes only. Savings vary based upon individual factors such as spending & payment habits and how long you expect to maintain the card.

    Discover it® for Students Summary

    • 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 after you sign up*. 1% cash back on all other purchases.

    • Free FICO® Credit Score online and on monthly statements.*

    • 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.*

    • 0% intro APR* on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99%.

    • Free text alerts can remind you when your payment is due. And free mobile app helps you stay on top of your account.

    • *Click "Apply Now" to see rates, rewards, free FICO® Credit Score terms and other information.

    MyRatePlan's Expert Rating & Review

    Discover it® for Students review written by and updated on .

    Expert Rating: 4.85 / 5 stars

    4.85
    • Pros:

      Where do we begin? The Discover it® for Students card has a ton of benefits. First off, there's no annual fee to use the card, no overlimit fee, no pay-by-phone fee, and no foreign transaction fee, which is great for traveling or studying abroad. Also, Discover won't increase your APR on your first late payment, which is some welcomed leniency for college students who are typically first time credit cardholders. The card also offers one of the best cash back rewards program out of any student credit card on the market: 5% cash back on categories that rotate throughout the year with easy enrollment, and 1% cash back on all other categories of purchases all year long. Lastly, the card offers a nice 0% introductory APR period of 6 months.

    • Cons:

      There's really no drawbacks to this card whatsoever.

    • Our Final Take:

      The Discover it® for Students is flat-out one of the best student credit cards currently on the market. The rewards program combined with no annual fee, as well as the aforementioned benefits can't be beat.

    Offer details may have changed since the last update of the information on this page. Please see Fees, Terms & Conditions for updated and complete information.

    User Reviews for Discover it® for Students

    • Intro APR

      0%
      6 months
    • Regular APR

      12.99% - 22.99% Variable*
    • Balance Transfer

      See Terms
      Ongoing
    • Average Savings

      $1,039.35 Over 1 year view details
    Show More Info
    x

    Your Average Savings

    Year One Year Two Year Three Total
    Interest Savings on Balance Transfers ? $315.45 $315.45 $315.45 $946.35
    * For Interest Savings on Balance Transfers calculations, we use the amount you input in your "My Credit Card Profile". For calculation purposes, please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
    Interest Savings on Balance for New Purchases ? $810.30 $420.60 $420.60 $1,651.50
    * For Interest Savings on Balance Carried on New Purchases calculations, we use the amount you input in your "My Credit Card Profile". Please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
    Reward Points ? $48.60 $48.60 $48.60 $145.80
    * This card offers 2% cash back ($.02) on up to $1,000 spent at gas stations and restaurants combined each quarter. We assume cardholders spend 35% of their total purchase balance on these 2% cash back options. We then assume that consumers earn 1% cash back on the remaining 65% of their monthly purchase balance.
    Anniversary Bonus ? $0.00 $0.00 $0.00 $0.00
    *
    One Time Bonus ? $0.00 $0.00 $0.00 $0.00
    *
    Balance Transfer Cost ? -$135.00 -$0.00 -$0.00 -$135.00
    * For Balance Transfer Cost calculations, we take the specific balance transfer fee associated with a card to determine the cost. Once this balance transfer cost is calculated, we deduct this value from the total savings amount. Please note that we only factor in this cost if a user intends to transfer a balance, as determined by selecting "Yes" under "I want to carry a balance" in your "My Credit Card Profile".
    Annual Fee ? -$0.00 -$0.00 -$0.00 -$0.00
    * Annual fee costs are only deducted from your total savings when a card includes an annual fee. Credit cards that waive the annual fee for the first year have also been accounted for in our calculations.
    Totals $1,039.35 $784.65 $784.65 $2,608.65
    * Credit card savings displayed are based on estimates as calculated by MyRatePlan, are not endorsed by any credit card issuer, and are for comparison purposes only. Savings vary based upon individual factors such as spending & payment habits and how long you expect to maintain the card.

    Discover it® chrome for Students Summary

    • 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.*

    • 2% cash back 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%.

    • 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.

    • 100% U.S. based customer service—anytime, day and night.

    • *Click "Apply Now" to see rates, rewards, free FICO® Credit Score terms and other information.

    MyRatePlan's Expert Rating & Review

    Discover it® chrome for Students review written by and updated on .

    Expert Rating: 4.80 / 5 stars

    4.8
    • Pros:

      The card offers an introductory period of 0% APR for 6 months, which is unusual for a student credit card to do. In addition, there is no annual fee to use the card, and cardholders get 2% cash back on restaurant and gas station purchases on up to $1,000 each quarter, and 1% cash back on everything else.

    • Cons:

      None we can think of.

    • Our Final Take:

      The Discover it® chrome for Students is definitely one of the best quality student credit cards available.

    Offer details may have changed since the last update of the information on this page. Please see Fees, Terms & Conditions for updated and complete information.

    User Reviews for Discover it® chrome for Students

    • Intro APR

      N/A
    • Regular APR

      12.99%-21.99% Variable*
    • Balance Transfer

      See Terms
      Ongoing
    • Average Savings

      $707.45 Over 1 year view details
    Show More Info
    x

    Your Average Savings

    Year One Year Two Year Three Total
    Interest Savings on Balance Transfers ? $315.45 $315.45 $315.45 $946.35
    * For Interest Savings on Balance Transfers calculations, we use the amount you input in your "My Credit Card Profile". For calculation purposes, please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
    Interest Savings on Balance for New Purchases ? $420.60 $420.60 $420.60 $1,261.80
    * For Interest Savings on Balance Carried on New Purchases calculations, we use the amount you input in your "My Credit Card Profile". Please note that as of February 2010, the CARD Act requires credit card companies to use customer credit card payments to pay off the highest APR portion of their balance first, which is more favorable for the customer.
    Reward Points ? $86.40 $86.40 $86.40 $259.20
    * This card offers 5% cash back on up to $1,500 in purchases that rotate each quarter. Creditnet assumes 35% of purchases made with this card are on these bonus categories, with the remaining 65% of purchases earning the standard 1% cash back.
    Anniversary Bonus ? $0.00 $0.00 $0.00 $0.00
    *
    One Time Bonus ? $20.00 $0.00 $0.00 $20.00
    * This card rewards students with a one-time $20 cashback bonus after their first purchase.
    Balance Transfer Cost ? -$135.00 -$0.00 -$0.00 -$135.00
    * For Balance Transfer Cost calculations, we take the specific balance transfer fee associated with a card to determine the cost. Once this balance transfer cost is calculated, we deduct this value from the total savings amount. Please note that we only factor in this cost if a user intends to transfer a balance, as determined by selecting "Yes" under "I want to carry a balance" in your "My Credit Card Profile".
    Annual Fee ? -$0.00 -$0.00 -$0.00 -$0.00
    * Annual fee costs are only deducted from your total savings when a card includes an annual fee. Credit cards that waive the annual fee for the first year have also been accounted for in our calculations.
    Totals $707.45 $822.45 $822.45 $2,352.35
    * Credit card savings displayed are based on estimates as calculated by MyRatePlan, are not endorsed by any credit card issuer, and are for comparison purposes only. Savings vary based upon individual factors such as spending & payment habits and how long you expect to maintain the card.

    Discover it® for Students with $20 Cashback Bonus Summary

    • Experience our cash rewards with $20 Cashback Bonus® after you make your first purchase within 3 months of approval.*

    • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 after you sign up*. 1% cash back on all other purchases automatically.

    • 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.*

    • Free FICO® Credit Score online and on monthly statements.*

    • 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.*

    • *Click "Apply Now" to see rates, rewards, free FICO® Credit Score terms and other information.

    MyRatePlan's Expert Rating & Review

    Discover it® for Students with $20 Cashback Bonus review written by and updated on .

    Expert Rating: 4.70 / 5 stars

    4.7
    Offer details may have changed since the last update of the information on this page. Please see Fees, Terms & Conditions for updated and complete information.

    User Reviews for Discover it® for Students with $20 Cashback Bonus

    How do student credit cards work?

    Student credit cards are designed to work as a first credit card. In many ways, they are just like standard credit cards. The APR (annual percentage rate) on a college student credit card is comparable to the APR on a standard credit card, about 16% on average.

    Lots of college student credit cards have introductory 0% APRs on purchases. As with all credit cards, you should carefully consider a 0% APR card before signing. Credit cards with 0% introductory APRs can sometimes have very high APRs down the line.

    Credit limits on college student credit cards are usually pretty low. Lots of student credit cards start around $500, but you may be able to find a starting credit limit around $1000. You may also be able to raise the credit limit on your student credit card once you have proven yourself a reliable borrower.

    The best student credit cards will also offer rewards. Many college student credit cards offer the same rewards as any other rewards card: 1% to 5% on most purchases, with 3% to 5% on food and gas. However, student credit cards may have additional rewards just for college students:

    • Cash Back for money spent on textbooks and school supplies
    • Rewards for money spent on music, movies, restaurants, etc.
    • Rewards for a high GPA and other academic achievements
    • Rewards for timely payments

    Advantages of Student Credit Cards

    College student credit cards are a great way for young people to learn about credit and financial planning. They are also a great way for students to handle their own expenses while they are away from home for the first time.

    The best student credit cards account for the fact that most of their customers don’t have any kind of a credit score. Usually, you could have a lot of trouble trying to get a credit card without a credit score, and you might be stuck with a secured credit card. Secured credit cards are for people with bad credit scores. Secured credit cards have very high APRs, annual fees, and low credit limits.

    With a student credit card, a student can still get a credit card with a low APR and no annual fee even though they don’t have a credit score.

    And in addition, student credit card rewards are designed specifically to suit the needs of a student. This means that a student stands to save money when buying the items that they need, such as books or school supplies. In addition, student credit cards reward student spending on items of want rather than need (like movie and concert tickets, etc.) so that students can spend money on social activities and still save money.

    Disadvantages of a Student Credit Card

    Student credit cards can teach young people a lot about borrowing money. However, some of these lessons do not come easily or painlessly. Student credit cards carry the same responsibilities and consequences of standard credit cards, and if a young person isn’t mature enough to handle the responsibility of borrowing money, then a student credit card could end up getting them in trouble.

    You should also be careful to avoid using a student credit card as an extra student loan. Credit card interest rates may be much higher than student loan interest rates, so you could end up paying a lot of extra money if you try to use a credit card as a student loan.