Return to the Home Page
Our editorial team is independent and objective. To help support our review work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the CreditMashup site. This site does not include all companies or products available within the market.

We also include links to advertisers’ offers in some of our articles; these “affiliate links” may generate income for our site when you click on them. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content.

While we work hard to provide accurate and up to date information that we think you will find relevant, CreditMashup does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof. Here is a list of our partners who offer products that we have affiliate links for.

5 Credit Cards for Students with No Credit: How Students Can Build Credit

Credit education is not widely taught in school or the home. Students need access to credit literacy and a way to build credit when just starting out. Get important tips of building credit without debt and 5 credit cards for students.
guide-to-credit-cards-for-students
guide-to-credit-cards-for-students

In the not too distant past students could apply for credit, be pursued by credit card companies and granted credit all with no verifiable way to pay for that credit and no credit history. That was before the Credit Card Act of 2009.

In 2010, rules governing credit use by young adults under 21 years old went into effect. Students can no longer get a credit card unless they have:

  • A job or source of funds to pay the bill; or
  • A co-signor willing to be financially responsible for the credit card bill

Credit Card Companies Target College Students

Gone are the days when you could get a t-shirt or some candy bars in exchange for applying for credit cards. But credit card companies are still allowed to market to students on college campuses. The law just prohibits them from giving away tangible items like t-shirts on campus, but the law doesn’t forbid intangible items, like a coupon for a free sandwich at a local restaurant or a statement credit on your new credit card. Credit card companies can give away tangible items, just at a location that’s off campus.

In many ways the rules for college students is commendable. It may save many college students from graduating with credit card debt along with student loan debt. But students still need a way to learn how to maneuver in a society where credit is unavoidable.

Having too much credit and no income to pay for that credit is definitely a problem for students; but having no knowledge of how to manage credit can present its own set of problems.

Students must learn the valuable life skill of building credit, managing debt, saving money and investing.

Why students need to build credit

It’s important for students to establish good credit and here is why:

  • Apartments. Your credit score is used to determine whether you can rent an apartment. A low or non-existent credit score will likely get you denied. Even if you live on campus, the time may come towards your junior or senior years that you want to live off-campus.
  • Deposits on Utilities. Utilities like electricity, gas and even cell phones may require a security deposit when you have no-credit or low credit scores. When it comes to renting an apartment, a landlord can require higher security-deposits with the absence of good credit scores.
  • Better Loan Rates. If you need to take out a private student loan, refinance a student loan, get a personal loan or plan to buy a car; your credit scores could be the difference between you getting approved or denied. You may still get approved for a loan with low credit scores but the terms and interest rate will likely not be favorable.
  • Rewards credit cards. Rewards credit cards with low rates are often reserved for people with good credit scores. Rewards come in the form of cash back on every day items, airline miles and hotel points (think Spring Break).

How students can build credit

1. Get a Co-Signor. Students can build credit with a Co-Signor. A co-signer can be your parents, family members or friends with good credit. The Co-Signor signs an agreement to pay off a loan if you default. The Co-Signor’s good credit acts to vouch for a person with new credit or no credit in order to get approved.

2. Authorized user accounts. Get a family member with good credit to add you as an authorized user on their account. This will give you access to their credit line and the account will be reported on your credit files. Their credit history will instantly become part of your credit history so make sure the account is in good standing. Authorized users are not financially responsible for making payments on the account.

3. Secured Credit Cards. With secured credit cards you put up a deposit as collateral to secure the credit card. This way you set your own limit. Secured credit cards are typically much easier to qualify for because you are using collateral to secure the credit line. Be aware that not all secured credit cards are created equally. Pay attention to the fees associated with any credit card. If the fees are too much, you may want to reconsider. The OpenSky® Secured Visa® Credit Card requires a low $200 to start which is secured by fully-refundable FDIC insured deposit.

4. Campus Credit Union. Most colleges and universities have credit unions or are affiliated with credit unions where some financial products are specifically designed for students. The credit unions are good sources for student loans and most offer unsecured and secured credit cards at great rates.

5. Bank accounts. The foundation to build good credit is having a savings account. Most credit issues arise when people lack the funds to pay bills on time. Payment history is the most important portion of your credit score (35%). When you have a healthy savings account that earns high interest, it serves as an emergency fund. Free checking accounts allow you to keep more of your money. Additionally, building a banking relationship helps with future financial growth. Banks give you access to a variety of financial products.

6. Prepaid Cards. Don’t put off getting your first real credit card. And, don’t expect to build credit with a prepaid card. Many banks are rushing to design prepaid cards specifically for students. Prepaid cards can help you manage and store money but they do nothing to build credit. Plus, prepaid cards offer no interest on the money loaded to the cards.

Credit Education

Credit education is as important as academic education. Knowledge in credit empowers you to make wise decisions and cut through the confusing world of credit.

Here are several tips to get educated on credit use:

Manage Credit. Exercise restraint when using credit cards, they are not free money. In order to build credit you must pay your bills on time and never go over the limit of the credit card. In fact, in order to build really good credit, keep your balances low. Do not charge over 30% of your available credit limit. That means if you have a credit line of $700; do not charge more than $210 of the available credit limit. Maintaining low balances will go a long way in building excellent credit scores.

Manage Debt. Students must keep in mind credit cards should be kept active, but with small charges, like textbooks, not the latest version of PlayStation. You must use your credit card on a regular basis in order to build a good credit history; but, the charges should be kept to a minimum, something you can pay off quickly and on-time.

Never Pay Late. Late payments are a huge contributor to low credit scores. Payment history accounts for 35% of overall credit scores. Paying late is a credit score killer! If at all possible, pay more than the minimum due when the bills due. The ability to pay more than the minimum lets lenders know you are not only financially capable of paying your obligations but you also manage credit well.

Free Credit Reports. Part of managing credit is knowing what’s in your credit reports. Your credit history determines your credit scores. You are entitled to a free credit report once a year. You can order them online at annualcreditreport.com

What’s in a credit score. Credit scores are somewhat of a mystery and contain many factors. But, the 5 main factors calculated in credit scores are:

  • Payment History is 35%
  • Amounts Owed is 30%
  • Length of credit history is 15%
  • New Credit is 10%
  • Credit Mix is 10%

Free credit scores. There are many credit scores but FICO Scores are used by 90% of lenders. FICO scores are the ones you want. You have 3 FICO credit scores because each credit bureau calculates a FICO score based on information contained in your credit files at the 3 major credit bureaus: Experian, Transunion and Equifax. You’ll have to pay for credit scores. Sites like CreditKarma offer free credit scores but you want your FICO scores. They can be purchased at myFICO.com.

Here are several credit terms to familiarize yourself with:

[ucaddon_uc_rainbow_bullets uc_items_data=”%5B%7B%22title%22%3A%22%3Ch3%20style%3D%5C%22margin%3A%200%3B%5C%22%3EAPR%3C%2Fh3%3E%22%2C%22title_color%22%3A%22%23414247%22%2C%22content%22%3A%22APR%20stands%20for%20annual%20percentage%20rate%2C%20and%20it%20is%20the%20interest%20rate%20charged%20on%20credit%20card%20balances%20expressed%20in%20a%20standardized%2C%20annualized%20way.%20The%20APR%20is%20applied%20each%20month%20that%20an%20outstanding%20balance%20is%20present%20on%20a%20credit%20card.%20%22%2C%22content_color%22%3A%22%23999999%22%2C%22icon%22%3A%22fa%20fa-one%22%2C%22icon_color%22%3A%22%23ffffff%22%2C%22icon_bg%22%3A%22%231b98e0%22%2C%22border_color%22%3A%22%23e7e7e7%22%7D%2C%7B%22title%22%3A%22%3Ch3%20style%3D%5C%22margin%3A%200%3B%5C%22%3EAnnual%20Fee%3C%2Fh3%3E%22%2C%22title_color%22%3A%22%23414247%22%2C%22content%22%3A%22A%20yearly%20fee%20charged%20by%20a%20credit%20card%20company%20each%20year%20for%20use%20of%20a%20credit%20card.%20This%20is%20a%20separate%20fee%20from%20interest%20rate%20on%20purchases.%20Annual%20fees%20were%20once%20very%20common.%20Many%20credit%20card%20issuers%20got%20rid%20of%20their%20annual%20fees%20to%20compete%20and%20draw%20new%20customers.%22%2C%22content_color%22%3A%22%23999999%22%2C%22icon%22%3A%22fa%20fa-one%22%2C%22icon_color%22%3A%22%23ffffff%22%2C%22icon_bg%22%3A%22%231b98e0%22%2C%22border_color%22%3A%22%23e7e7e7%22%7D%2C%7B%22title%22%3A%22%3Ch3%20style%3D%5C%22margin%3A%200%3B%5C%22%3EAuthorized%20User%3C%2Fh3%3E%22%2C%22title_color%22%3A%22%23414247%22%2C%22content%22%3A%22Any%20person%20who%20has%20permission%20to%20transact%20on%20your%20credit%20card%20account%20but%20is%20not%20responsible%20for%20paying%20the%20bill.%20Authorized%20users%20differ%20from%20joint%20credit%2C%20in%20which%20both%20parties%20are%20obliged%20to%20pay.%20%22%2C%22content_color%22%3A%22%23999999%22%2C%22icon%22%3A%22fa%20fa-one%22%2C%22icon_color%22%3A%22%23ffffff%22%2C%22icon_bg%22%3A%22%231b98e0%22%2C%22border_color%22%3A%22%23e7e7e7%22%7D%2C%7B%22title%22%3A%22%3Ch3%20style%3D%5C%22margin%3A%200%3B%5C%22%3EBalance%20Transfer%3C%2Fh3%3E%22%2C%22title_color%22%3A%22%23414247%22%2C%22content%22%3A%22The%20process%20of%20transferring%20an%20outstanding%20balance%20from%20one%20or%20several%20credit%20card%20accounts%20to%20another%20credit%20card%20account.%20This%20is%20often%20done%20by%20consumers%20looking%20for%20a%20lower%20interest%20rate.%20Many%20credit%20card%20issuers%20offer%20introductory%20balance%20transfer%20APRs%20that%20are%20lower%20than%20the%20standard%20rates.%20%22%2C%22content_color%22%3A%22%23999999%22%2C%22icon%22%3A%22fa%20fa-one%22%2C%22icon_color%22%3A%22%23ffffff%22%2C%22icon_bg%22%3A%22%231b98e0%22%2C%22border_color%22%3A%22%23e7e7e7%22%7D%2C%7B%22title%22%3A%22%3Ch3%20style%3D%5C%22margin%3A%200%3B%5C%22%3EBilling%20Statement%3C%2Fh3%3E%22%2C%22title_color%22%3A%22%23414247%22%2C%22content%22%3A%22Your%20billing%20statement%20is%20a%20periodic%20statement%20of%20your%20Account%20which%20tells%20you%20the%20total%20amount%20owed%20to%20the%20creditor.%20The%20billing%20statement%20will%20also%20tell%20you%20the%20minimum%20payment%20due%20and%20the%20date%20by%20which%20your%20payment%20is%20due.%22%2C%22content_color%22%3A%22%23999999%22%2C%22icon%22%3A%22fa%20fa-one%22%2C%22icon_color%22%3A%22%23ffffff%22%2C%22icon_bg%22%3A%22%231b98e0%22%2C%22border_color%22%3A%22%23e7e7e7%22%7D%2C%7B%22title%22%3A%22%3Ch3%20style%3D%5C%22margin%3A%200%3B%5C%22%3ECash%20Advance%3C%2Fh3%3E%22%2C%22title_color%22%3A%22%23414247%22%2C%22content%22%3A%22A%20cash%20advance%20is%20a%20transaction%20initiated%20by%20you%20from%20which%20you%20obtain%20cash%20or%20other%20forms%20of%20negotiable%20instruments%20%28travelers%20checks%2C%20money%20orders%2C%20etc%29.%22%2C%22content_color%22%3A%22%23999999%22%2C%22icon%22%3A%22fa%20fa-one%22%2C%22icon_color%22%3A%22%23ffffff%22%2C%22icon_bg%22%3A%22%231b98e0%22%2C%22border_color%22%3A%22%23e7e7e7%22%7D%2C%7B%22title%22%3A%22%3Ch3%20style%3D%5C%22margin%3A%200%3B%5C%22%3ECredit%20Score%3C%2Fh3%3E%22%2C%22title_color%22%3A%22%23414247%22%2C%22content%22%3A%22A%20credit%20score%20is%20a%20three%20digit%20number%20that%20shows%20how%20well%20a%20person%20has%20handled%20debt.%20The%20higher%20the%20number%2C%20the%20better.%20High%20scores%20can%20qualify%20for%20larger%20loans%20at%20better%20rates.%20Low%20scores%20will%20get%20poor%20terms%2C%20or%20denied.%20There%20are%20a%20variety%20of%20credit%20scores%20with%20FICO%20scores%20being%20the%20most%20widely%20used%20by%20banks%20and%20lenders.%22%2C%22content_color%22%3A%22%23999999%22%2C%22icon%22%3A%22fa%20fa-one%22%2C%22icon_color%22%3A%22%23ffffff%22%2C%22icon_bg%22%3A%22%231b98e0%22%2C%22border_color%22%3A%22%23e7e7e7%22%7D%2C%7B%22title%22%3A%22%3Ch3%20style%3D%5C%22margin%3A%200%3B%5C%22%3ECredit%20Report%3C%2Fh3%3E%22%2C%22title_color%22%3A%22%23414247%22%2C%22content%22%3A%22A%20credit%20report%20is%20a%20compilation%20of%20your%20credit%20history%20with%20banks%2C%20lenders%20or%20a%20business.%20It%20contains%20payment%20and%20account%20history%20and%20credit%20inquiries.%20Credit%20reports%20are%20viewed%20by%20lenders%20in%20deciding%20credit%20decisions%20and%20on%20what%20terms.%20Credit%20scores%20are%20determined%20by%20the%20information%20in%20credit%20reports.%22%2C%22content_color%22%3A%22%23999999%22%2C%22icon%22%3A%22fa%20fa-one%22%2C%22icon_color%22%3A%22%23ffffff%22%2C%22icon_bg%22%3A%22%231b98e0%22%2C%22border_color%22%3A%22%23e7e7e7%22%7D%2C%7B%22title%22%3A%22%3Ch3%20style%3D%5C%22margin%3A%200%3B%5C%22%3ECredit%20Bureaus%3C%2Fh3%3E%22%2C%22title_color%22%3A%22%23414247%22%2C%22content%22%3A%22In%20the%20United%20States%2C%20three%20major%20credit%20bureaus%20--%20Experian%2C%20TransUnion%20and%20Equifax%20--%20track%20individuals%27%20and%20businesses%27%20credit%20histories%2C%20and%20compile%20them%20into%20credit%20reports.%20Credit%20card%20issuers%20and%20other%20lenders%20use%20credit%20histories%20to%20decide%20whether%20to%20provide%20customers%20with%20credit%2C%20and%20on%20what%20terms.%20%22%2C%22content_color%22%3A%22%23999999%22%2C%22icon%22%3A%22fa%20fa-one%22%2C%22icon_color%22%3A%22%23ffffff%22%2C%22icon_bg%22%3A%22%231b98e0%22%2C%22border_color%22%3A%22%23e7e7e7%22%7D%2C%7B%22title%22%3A%22%3Ch3%20style%3D%5C%22margin%3A%200%3B%5C%22%3ECredit%20Card%3C%2Fh3%3E%22%2C%22title_color%22%3A%22%23414247%22%2C%22content%22%3A%22A%20credit%20card%20is%20a%20payment%20card%20that%20is%20accepted%20by%20merchants%2C%20and%20which%20can%20be%20read%20at%20the%20point%20of%20sale.%20Credit%20cards%20offer%20revolving%20lines%20of%20credit%20to%20cardholders%2C%20which%20means%20they%20have%20the%20ability%20to%20pay%20balances%20over%20time.%22%2C%22content_color%22%3A%22%23999999%22%2C%22icon%22%3A%22fa%20fa-one%22%2C%22icon_color%22%3A%22%23ffffff%22%2C%22icon_bg%22%3A%22%231b98e0%22%2C%22border_color%22%3A%22%23e7e7e7%22%7D%2C%7B%22title%22%3A%22%3Ch3%20style%3D%5C%22margin%3A%200%3B%5C%22%3EDefault%3C%2Fh3%3E%22%2C%22title_color%22%3A%22%23414247%22%2C%22content%22%3A%22The%20failure%20of%20a%20consumer%20to%20make%20payments%20or%20violate%20other%20terms%20as%20agreed%20upon%20in%20a%20credit%20agreement.%22%2C%22content_color%22%3A%22%23999999%22%2C%22icon%22%3A%22fa%20fa-one%22%2C%22icon_color%22%3A%22%23ffffff%22%2C%22icon_bg%22%3A%22%231b98e0%22%2C%22border_color%22%3A%22%23e7e7e7%22%7D%2C%7B%22title%22%3A%22%3Ch3%20style%3D%5C%22margin%3A%200%3B%5C%22%3ESecured%20Credit%20Cards%3C%2Fh3%3E%22%2C%22title_color%22%3A%22%23414247%22%2C%22content%22%3A%22Secured%20credit%20cards%20can%20be%20used%20exactly%20like%20unsecured%20credit%20cards%20except%20they%20require%20collateral.%20That%20collateral%20is%20a%20cash%20deposit%20with%20the%20issuing%20bank%20for%20approval.%20They%20are%20designed%20for%20people%20with%20no%20credit%20or%20poor%20credit.%20%22%2C%22content_color%22%3A%22%23999999%22%2C%22icon%22%3A%22fa%20fa-one%22%2C%22icon_color%22%3A%22%23ffffff%22%2C%22icon_bg%22%3A%22%231b98e0%22%2C%22border_color%22%3A%22%23e7e7e7%22%7D%2C%7B%22title%22%3A%22%3Ch3%20style%3D%5C%22margin%3A%200%3B%5C%22%3EGrace%20Period%3C%2Fh3%3E%22%2C%22title_color%22%3A%22%23414247%22%2C%22content%22%3A%22Most%20credit%20cards%20have%20a%20grace%20period%20for%20%E2%80%9Cnew%20purchases.%E2%80%9D%20The%20grace%20period%20extends%20from%20the%20time%20you%20make%20a%20purchase%20to%20the%20due%20date%20of%20the%20monthly%20billing%20cycle%20when%20you%20made%20the%20purchase.%20As%20long%20as%20you%20pay%20off%20purchases%20by%20the%20time%20your%20monthly%20statement%20is%20due%2C%20you%20will%20not%20be%20charged%20interest%20on%20the%20purchases.%22%2C%22content_color%22%3A%22%23999999%22%2C%22icon%22%3A%22fa%20fa-one%22%2C%22icon_color%22%3A%22%23ffffff%22%2C%22icon_bg%22%3A%22%231b98e0%22%2C%22border_color%22%3A%22%23e7e7e7%22%7D%2C%7B%22title%22%3A%22%3Ch3%20style%3D%5C%22margin%3A%200%3B%5C%22%3EInterest%20Rate%3C%2Fh3%3E%22%2C%22title_color%22%3A%22%23414247%22%2C%22content%22%3A%22An%20interest%20rate%20is%20the%20price%20a%20lender%20charges%20for%20loaning%20money.%20On%20credit%20cards%2C%20interest%20rates%20are%20a%20little%20trickier%2C%20because%20lenders%20set%20multiple%20interest%20rates.%20For%20example%2C%20you%20may%20have%20a%20low%2C%20teaser%20%28introductory%29%20rate%20when%20you%20open%20an%20account%2C%20followed%20by%20a%20higher%20standard%20rate%20for%20purchases%2C%20which%20turns%20into%20a%20penalty%20rate%20if%20you%20pay%20late.%20%22%2C%22content_color%22%3A%22%23999999%22%2C%22icon%22%3A%22fa%20fa-one%22%2C%22icon_color%22%3A%22%23ffffff%22%2C%22icon_bg%22%3A%22%231b98e0%22%2C%22border_color%22%3A%22%23e7e7e7%22%7D%2C%7B%22title%22%3A%22%3Ch3%20style%3D%5C%22margin%3A%200%3B%5C%22%3ELate%20Payment%3C%2Fh3%3E%22%2C%22title_color%22%3A%22%23414247%22%2C%22content%22%3A%22Failure%20to%20make%20at%20least%20the%20minimum%20payment%20due%20so%20that%20it%20reaches%20the%20creditor%20by%20the%20due%20date%20on%20the%20Billing%20Statement.%22%2C%22content_color%22%3A%22%23999999%22%2C%22icon%22%3A%22fa%20fa-one%22%2C%22icon_color%22%3A%22%23ffffff%22%2C%22icon_bg%22%3A%22%231b98e0%22%2C%22border_color%22%3A%22%23e7e7e7%22%7D%2C%7B%22title%22%3A%22%3Ch3%20style%3D%5C%22margin%3A%200%3B%5C%22%3ELine%20of%20Credit%3C%2Fh3%3E%22%2C%22title_color%22%3A%22%23414247%22%2C%22content%22%3A%22A%20loan%20with%20a%20pre-authorized%20credit%20limit%20established%20by%20a%20creditor.%22%2C%22content_color%22%3A%22%23999999%22%2C%22icon%22%3A%22fa%20fa-one%22%2C%22icon_color%22%3A%22%23ffffff%22%2C%22icon_bg%22%3A%22%231b98e0%22%2C%22border_color%22%3A%22%23e7e7e7%22%7D%2C%7B%22title%22%3A%22%3Ch3%20style%3D%5C%22margin%3A%200%3B%5C%22%3EMinimum%20Payment%3C%2Fh3%3E%22%2C%22title_color%22%3A%22%23414247%22%2C%22content%22%3A%22The%20minimum%20amount%20of%20money%20you%20are%20obligated%20to%20pay%20each%20month%20against%20your%20credit%20card%20balance.%20It%20is%20determined%20by%20the%20size%20of%20the%20balance%20and%20the%20formula%20the%20lender%20uses%20to%20determine%20the%20minimum%20amount%20due.%22%2C%22content_color%22%3A%22%23999999%22%2C%22icon%22%3A%22fa%20fa-one%22%2C%22icon_color%22%3A%22%23ffffff%22%2C%22icon_bg%22%3A%22%231b98e0%22%2C%22border_color%22%3A%22%23e7e7e7%22%7D%2C%7B%22title%22%3A%22%3Ch3%20style%3D%5C%22margin%3A%200%3B%5C%22%3ETerms%20and%20Conditions%3C%2Fh3%3E%22%2C%22title_color%22%3A%22%23414247%22%2C%22content%22%3A%22Terms%20and%20conditions%20is%20the%20common%20name%20for%20the%20document%20in%20which%20credit%20card%20issuers%20describe%20in%20detail%20their%20practices.%20After%20a%20consumer%20applies%20for%20a%20credit%20card%20and%20receives%20it%20in%20the%20mail%2C%20the%20first%20use%20of%20the%20card%20turns%20the%20terms%20and%20conditions%20into%20a%20legal%20contract.%22%2C%22content_color%22%3A%22%23999999%22%2C%22icon%22%3A%22fa%20fa-one%22%2C%22icon_color%22%3A%22%23ffffff%22%2C%22icon_bg%22%3A%22%231b98e0%22%2C%22border_color%22%3A%22%23e7e7e7%22%7D%5D” uc_fonts_data=”JTdCJTdE”]


What to look for in Credit Cards

As a student, you’re probably getting bombarded with credit card offers in the mail and on campus. Credit can be so confusing!!! Here are some factors to consider when applying for credit cards:

  • Rewards cards. Rewards cards help you earn cash, points or miles from your everyday purchases like eating out, groceries, gas and gadgets.
  • No annual fee. You may be okay with paying an annual fee. It’s up to you. Annual credit cards fees can range from $29 to $2,500 for the invitation-only American Express Centurion. Often, the higher the fee, the better the benefits.
  • Annual Percentage Rate. APR is the effective interest rate you pay if you borrow money on a credit card throughout the year. To avoid paying interest, you must pay off your statement balance in full by the time your credit card bill is due every month.
  • Mobile App. Mobile capabilities make it simple to keep track of your statements, limit, and purchases.
  • Extra benefits. Many credit cards come with extra benefits, like extended warranties on purchases.
  • Free credit score. Many credit card issuers offer a free FICO score. It’s typically just from one of the major credit bureaus, but nevertheless it’s free. Plus they often come with free credit monitoring tools which can be useful for anyone working to build up their credit.
  • No foreign transaction fee. As a student you may be interested in traveling outside of the U.S. to further your education. No doubt you’ll need a credit card for expenses and safety. With a credit card with no foreign transaction fees you won’t be charged extra for every purchase. Some cards charge a fee of up to 3%.

5 Credit Cards for Students with No Credit

[ultimate_info_table design_style=”design05″ color_scheme=”custom” color_bg_main=”#ffffff” color_txt_main=”#666666″ color_bg_highlight=”#e8e8e8″ color_txt_highlight=”#ededed” package_heading=”Discover it® Student Cash Back” icon_type=”custom” icon_img=”50330″ img_width=”130″ heading_font_color=”#000000″ heading_font_style=”font-weight:bold;” heading_font_size=”desktop:18px;”]

  • INTRO OFFER: Discover will match ALL the cash back you’ve earned at the end of your first year, automatically. There’s no signing up. And no limit to how much is matched.

  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants or Amazon.com up to the quarterly maximum each time you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.

  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.

  • No annual fee. No late fee on first late payment. No APR change for paying late.

  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.

  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.

  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.

  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 14.74% – 23.74%

[vc_btn text=”Learn More” link=”url:https%3A%2F%2Famzn.to%2F2BK8EyQ||target:%20_blank|” align=”center”]

[/ultimate_info_table]

 

[ultimate_info_table design_style=”design05″ color_scheme=”custom” color_bg_main=”#ffffff” color_txt_main=”#666666″ color_bg_highlight=”#e8e8e8″ color_txt_highlight=”#ededed” package_heading=”Discover it® Student chrome” icon_type=”custom” icon_img=”50350″ img_width=”130″ heading_font_color=”#000000″ heading_font_style=”font-weight:bold;” heading_font_size=”desktop:18px;”]

  • INTRO OFFER: Discover will match ALL the cash back you’ve earned at the end of your first year, automatically. There’s no signing up. And no limit to how much is matched.

  • 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter – no sign-ups needed. Plus, earn unlimited 1% cash back on all other purchases – automatically.

  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.

  • No annual fee. No late fee on first late payment. No APR change for paying late.

  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.

  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.

  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.

  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 14.74% – 23.74%.

[vc_btn text=”Learn More” link=”url:https%3A%2F%2Famzn.to%2F2o3nS8m||target:%20_blank|” align=”center”]

[/ultimate_info_table]

 

[ultimate_info_table design_style=”design05″ color_scheme=”custom” color_bg_main=”#ffffff” color_txt_main=”#666666″ color_bg_highlight=”#e8e8e8″ color_txt_highlight=”#ededed” package_heading=”Journey® Student Credit Card from Capital One®” icon_type=”custom” icon_img=”50352″ img_width=”130″ heading_font_color=”#000000″ heading_font_style=”font-weight:bold;” heading_font_size=”desktop:18px;”]

  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month

  • Enjoy no annual fee and no foreign transaction fees

  • Get a head start and build your credit with responsible use

  • Get access to a higher credit line after making your first 5 monthly payments on time

  • Monitor your credit profile with the CreditWise® app, free for everyone

  • $0 fraud liability if your card is ever lost or stolen

  • Pick the monthly due date that works best for you

  • Get customized alerts and manage your account with the Capital One mobile app

[vc_btn text=”Learn More” link=”url:https%3A%2F%2Fwww.capitalone.com%2Fcredit-cards%2Fjourney-student%2F||target:%20_blank|” align=”center”]

[/ultimate_info_table]

 

[ultimate_info_table design_style=”design05″ color_scheme=”custom” color_bg_main=”#ffffff” color_txt_main=”#666666″ color_bg_highlight=”#e8e8e8″ color_txt_highlight=”#ededed” package_heading=”Citi ThankYou® Preferred Card for College Students” icon_type=”custom” icon_img=”50355″ img_width=”130″ heading_font_color=”#000000″ heading_font_style=”font-weight:bold;” heading_font_size=”desktop:18px;”]

    • Enjoy 0% Intro APR for 7 months on purchases from date of account opening; after that the variable APR will be 16.24% – 26.24% based upon your creditworthiness*

    • Earn 2,500 bonus points after spending $500 in purchases within the first 3 months of account opening

    • 2,500 ThankYou® Points are redeemable for $25 in gift cards, electronics and other great rewards when redeemed at thankyou.com

    • Earn 2X Points on Dining Out & Entertainment

    • Earn 1X Points on All Other Purchases

    • No expiration and no limit to the amount of points you can earn with this card

    • No annual fee*

    [vc_btn text=”Learn More” link=”url:https%3A%2F%2Fwww.citi.com%2Fcredit-cards%2Fcredit-card-details%2Fciti.action%3FID%3Dciti-thankyou-preferred-credit-cards-for-college-students||target:%20_blank|” align=”center”]

    [/ultimate_info_table]

     

    [ultimate_info_table design_style=”design05″ color_scheme=”custom” color_bg_main=”#ffffff” color_txt_main=”#666666″ color_bg_highlight=”#e8e8e8″ color_txt_highlight=”#ededed” package_heading=”Bank of America® Cash Rewards for Students” icon_type=”custom” icon_img=”50358″ img_width=”130″ heading_font_color=”#000000″ heading_font_style=”font-weight:bold;” heading_font_size=”desktop:18px;”]

    • 1% cash back on purchases everywhere, every time, 2% at grocery stores and wholesale clubs and 3% on gas for the first $2,500 in combined grocery/ wholesale club/gas purchases each quarter
    • Start building your financial future—while earning more cash back for the things you buy most.
    • Get a 10% customer bonus every time you redeem into a Bank of America® checking or savings account
    • Plus, this card is eligible for the benefits of the Preferred Rewards program

    [vc_btn text=”Learn More” link=”url:https%3A%2F%2Fwww.bankofamerica.com%2Fcredit-cards%2Fstudent-credit-cards%2F||target:%20_blank|” align=”center”]

[/ultimate_info_table]

Share:

Explore More

Send Us A Message

Get In Touch

6080 Center Dr, 6th Fl
Los Angeles, CA 90045

© 2024 All Rights Reserved.