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Student credit cards
Compare student cards that can help you build credit when you pay your balance each month.
Compare student credit cards
Get the right student credit card and enjoy travel rewards or earn cash back on everyday purchases. But above all — start building your credit.
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The best student credit cards of 2021
If you’re looking for a little help in picking a great student credit card, Finder reviewed more than a dozen student cards to pick out the top performers. Check out the best student cards to get an idea of where to start. Check out the best student cards to get an idea of where to start.
How to compare student credit cards
Student credit cards are similar to standard credit cards, though tend to lack the number of features you’d find on a standard card. Here are some features to look for to help you compare.
- Annual fee. Student cards are designed to help students build credit. The less you have to pay to build that credit, the better.
- Rewards. A few student cards offer rewards on purchases. This is fairly rare for student cards, so such cards are always worth taking a close look.
- Perks for students. Some student cards offer student-related perks, such as bonuses for good grades.
- Graduation opportunities. The ultimate goal of a student card is to transition into a standard credit card. Some student cards make this easier by providing a pathway for graduation into a standard card.
How to get a student credit card
If you’re relatively new to credit cards, don’t be afraid to take it slow. Take the time to select a card that you might keep for the next few years. And above all, consider whether you’re ready to use credit responsibly. We’ve offered some tips for applying for a student card to help you on your way.
Credit cards for high school students
You can set yourself up for financial success by getting an early start on building credit. There are great benefits to having a good credit score, including:
- Higher approval odds for an apartment application, car loan, etc.
- Lower insurance rates.
- Access to credit cards with better rewards and more benefits.
It’s slightly tougher to get your own credit card if you’re under 21, but it’s doable. You must be at least 18 years old. You must also prove your ability to pay your own card bill, or apply with a cosigner.
If you’re under 18, you can’t get a credit card on your own. But consider asking a parent to add you to their credit card account as an authorized user. Another option is opening a debit card for kids or teens, which can help you form healthy financial habits without impacting your credit.
Learn more about student credit cards
Start building great credit habits now to pave the way for a smooth financial journey ahead. If you’re still unsure whether you’re ready for a credit card or don’t know which card to start with check out our full guide on best first credit cards.
Bottom line
To find the right student credit card, compare features such as rewards, signup bonus and student-focused benefits. Above all, look at your card as a chance to build great financial habits. Use it well and you’ll be well prepared for choosing a great second credit card.
If you’d like to get up to speed on credit cards, check out our beginner’s guide.
More guides on Finder
- Wells Fargo Cash Back Collegeâ„ Card review
It’s slightly overshadowed by the competition, but this is still a solid no-fee student card.
- Discover it® Chrome for Students review
The Discover it Chrome Card is a solid choice for students. It has no annual fee and accelerated cash back for spending on gas and restaurants.
- Discover it® Student Cash Back review
Looking for your first credit card? You can’t go wrong with the Discover It Card — a fantastic pick with attractive cash back and $0 annual fee.
- Journey® Student Rewards from Capital One® review
A cash back card ideal for those new to credit — with rewards of up to 1.25% with responsible use, $0 annual fee and no foreign transaction fees.
Good morning. I’m trying to get some help while I’m attending school…I would like to afford things I need and I’m not sure which card to get…
Hi there,
Thanks for getting in touch with finder. I hope all is well with you. :)
Since I don’t completely know your unique situation, I may not be able to give you a specific recommendation. However, you might want to explore the table above. It gives you an overview of some of your options. You may then click on the “Go to site” green button or “More info” link to learn more about the specific card.
Please do not forget to read the full T&Cs and PDS or details of the products before applying and making a financial decision.
I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.
Have a wonderful day!
Cheers,
Joshua