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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. Use our table to filter down your options under "Refine results" and select up to four cards to start comparing.

1 - 5 of 5
Name Product Annual fee Purchase APR Minimum credit score
Current Credit Building Card
0% APR - Purchases are made using your Current Account balance
New / limited credit
Build credit with every swipe using only the money in your account, no matter your credit history or score.
Capital One SavorOne Student Cash Rewards Credit Card
Capital One SavorOne Student Cash Rewards Credit Card
19.99% - 29.99% variable
New / limited credit
Early Spend Bonus: Earn $50 when you spend $100 in the first three months. See rates & fees
Capital One Quicksilver Student Cash Rewards Credit Card
Capital One Quicksilver Student Cash Rewards Credit Card
19.99% to 29.99% variable
New / limited credit
Earn unlimited 1.5% cash back on every purchase, every day with this student card. See rates & fees
Bank of America® Customized Cash Rewards for Students
Bank of America® Customized Cash Rewards for Students
0% intro for the first 18 billing cycles (then 17.99% to 27.99% variable)
Earn $200 after spending $1,000 in the first 90 days from account opening.
Discover it® Student Cash Back
Discover it® Student Cash Back
0% intro for the first 6 months (then 18.24% to 27.24% variable)
Earn 5% back in rotating categories each activated quarter up to $1,500, then 1% after that and on all other purchases.

The best student credit cards of 2024

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.

Number of student cards offered by each major provider

We’ve listed the number of student cards offered by each major card. At this time, only four providers offer student cards. You’ll find Visa student cards and Mastercard student cards mixed in among each provider’s offerings. Check out these student guides for more information on each student card on offer and which can work best for your needs.

Card issuerNumber of student credit cards
Capital One3
Bank of America3
American Express0
TD Bank0
US Bank0
Wells Fargo0

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 do student credit cards work?

Student credit cards work similarly to standard credit cards. The primary difference is in who is eligible for them and their breadth of features.

  1. Compare and apply for a student card. Look through your options to find a student card that offers the rates and fees or rewards you need.
  2. Use and payoff your card each month. Start using your card for essentials or purchases that earn you rewards to start building your credit. Make sure to pay off your statement balance each month to avoid building interest, late fees and dings to your credit score.
  3. Graduate to a standard credit card. After you’ve responsibly used your credit card long enough, many providers will let you graduate to a standard credit card.

Can I get a student credit card with bad credit?

Yes, you may be eligible for a few traditional student credit cards or secured credit cards even with bad credit, though this will depend on the card issuer and your specific credit score. Alternatively, you can apply for a credit builder account from brands such as Current, Chime or Varo, which don’t pull hard credit checks and allow you to safely build credit while you bank.

Pros and cons of a student credit card


  • Better odds of approval. Student cards are geared toward those who are just getting started with credit and have more relaxed credit requirements.
    • Start building your credit score early. A strong credit score will help you qualify for other major loans, including mortgages and car loans.
  • Strong terms. While not as robust as standard credit cards, many student cards come with good rates and fees and even rewards.


  • Reserved for students. As the name suggests, you typically aren’t eligible for a student card if you’re not a student.
  • Fewer features. Student credit cards tend to have fewer perks and features than standard credit cards.

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.

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.

Kevin Joey Chen's headshot

Kevin Chen is a personal finance expert and a former writer at Finder. His expertise has been featured in CNN, U.S. News and World Report, Lifehacker and, among other top media. See full bio

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2 Responses

    Default Gravatar
    CollegeSeptember 22, 2018

    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…

      JoshuaSeptember 25, 2018Finder

      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!


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