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Does American Express have a student credit card?

With a good credit score, students can apply for most Amex cards.

American Express doesn’t offer credit cards specifically designed for students. But if you’re at least 18 years old and have a good credit score, you can apply for any American Express credit card. If you don’t meet application requirements, look into becoming an Amex authorized user to build credit and eventually get your own card.

But if you’re interested in a student credit card, compare other providers that offer them.

Alternatives to American Express student credit cards

If you can’t get an American Express credit card, consider applying for a student credit card from other providers. Once your credit score increases, you can apply for the American Express credit card you want.

Name Product Filter values Rewards Purchase APR Annual fee
Journey Student Rewards from Capital One
1% cash back on all purchases, 1.25% for months you pay on time
26.99% variable
Earn 1% cash back on all purchases or get 1.25% cash back for months you pay on time.
Deserve® Edu Card
1% cash back on all purchases
18.74% variable
Designed for college students to build credit history and earn rewards.
Capital One Quicksilver Student Cash Rewards Credit Card
1.5% cashback on all purchases
26.99% variable
A student credit card with a solid 1.5% unlimited cashback rate.

Compare up to 4 providers

Student credit card features to look for

In general, student credit cards are standard cards that offer fewer features. If you’re looking to apply for such a card, keep an eye on:

  • Annual fee. Student credit cards rarely require an annual fee. If your card does, weigh whether the card’s benefits are worth it.
  • Intro APR period. Most student credit cards do not offer intro APR periods on balance transfers and purchases. If they do, it’s often extended over a short one to six months. If you need this perk, consider Bank of America’s student credit card that offers up to 15 months without interest.
  • Rewards. Student credit cards often offer poor rewards or no rewards program at all. But more traditional credit cards offer accelerated rewards on select categories, which could be worth checking out.
  • Reports to credit bureaus. Confirm that the card provider reports your card activity to all three major credit bureaus — TransUnion, Experian and Equifax. If it doesn’t, building or rebuilding your credit score may not happen as quickly.

Bottom line

American Express doesn’t offer a student credit card. But if you’re at least 18 years old and with good credit, you can apply for most Amex cards. Consider instead becoming an authorized user to an Amex card or applying for student credit cards from other providers.

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