Skip Navigation
After navigation

Credit Cards

We've partnered with some of the nation's leading banks to bring you a great selection of credit card offers specifically for students. Compare competitive offers below, choose your lender, then click on “Apply Now” to see if you qualify.

Deserve EDU credit card for US and international students

Deserve Edu

An award winning college credit card for all students both from the US and international. (For international students, an SSN is not required to apply.)

Benefits include:

  • Amazon Prime Student on us for a year (Lifetime Value worth $59)
  • $0 Annual Fee
  • Mastercard Platinum Benefits
  • 1% cash back on all purchases
    Offer not available to residents of (AR, NY, WI, and IA)

See full list of benefits and offer details

First progress mastercard

First Progress Platinum Select MasterCard® Secured Credit Card

Benefits include:

  • Variable APR: 13.99%
  • Annual Fee $39
  • Secured Credit Line up to $2,000 (credit limit dependent on corresponding required deposit)
  • Credit Recommended: Damaged/Fair
    Offer not available to residents of (AR, NY, WI, and IA)

See full list of benefits and offer details

How to Get a Student Credit Card

As a student, credit cards can be a great way to help build your credit and provide a safety net in the event of emergencies. Many companies are willing to overlook the fact that you may not have an established credit history, and they understand that you have to start somewhere. In order to get a student credit card, follow these simple steps:

  • Shop and compare. Look carefully at things like the annual fee, annual percentage rate (APR), line of credit (total amount you can charge) and benefits that come with the card, like the cash back benefits offered by the Deserve EDU card, or a low annual fee, like that offered by First Progess (a secured card that can help those with damaged credit on their credit repair journey).
  • Complete an online application. To apply from our site, simply choose your card above, and click on “Apply Now” to get started.
    • You will need to prove that you are at least 18 years old and have a U.S. address and Social Security Number. Proof of enrollment may also be required to confirm you qualify as a student.
    • Lenders will ask about income. Having a part-time job will help since the bank needs to know you have some means to repay even a small balance. If you don’t have a job or income, you can add a cosigner.
  • Get approved and wait for your card in the mail.
    • Ok, we should mention that if you are not approved, it’s not the end of the world. You may have the option of adding a cosigner. As a student, chances are you may not have been able to demonstrate enough income to qualify on your own.
    • Another option is to be added as an authorized user on an existing cardholder’s account (for example, being added to your parent’s credit card). This is known as piggybacking. By being added to the account, you benefit from the positive information that gets reported to the major credit reporting agencies each month. And this is a great way to start building your credit history.

Best Credit Cards for Students

Below is a list of some of the most popular credit cards for students with a brief summary of what each of them offers.

Deserve Edu

This student MasterCard® helps you build credit while giving benefits such as $0 Annual Fee, one year of Amazon Prime Student, 1% cash back on purchases, and cell phone protection. International students are also welcomed to apply…don’t worry, you don’t need a Social Security number. You can prequalify in matter of minutes.

First Progress Platinum Select MasterCard®

The Platinum Select MasterCard® Secured credit card from First Progress is a great way to help build credit if you have limited history, or to rebuild damaged credit. With a secured card, your spending will be limited to the amount of the security deposit you put in your account. This means you won’t have a high credit limit, but you also won’t be able to spend beyond your means either. This card can help you develop good credit habits while helping to rebuild your credit.

Bank of America® Cash Rewards Credit Card for Students

This card offers no annual fee and up to 3% cash back in different categories of your choice.

Citi Rewards+SM Card

This is the only card that promises to round up to the nearest 10 points on every purchase to help you qualify faster for rewards. There is also no annual fee.

Discover it® Student Cash Back Card

Cash back and good grade rewards are part of the appeal for this student credit card from Discover. You can also get your FICO® Score for free. Plus, Discover offers a $0 annual fee.

Discover it® Chrome Credit Card for Students

With no annual fee, this rewards card from Discover helps students build their credit history. Low introductory APRs are also offered.

Wells Fargo Cash Back CollegeSM Card

Build your credit while earning rewards. Wells Fargo offers credit education and no annual fees.

Journey® Student Credit Card from Capital One®

This student credit card has one of the higher interest rates in the bunch (around 27% APR), but you can earn 1% cash back on your purchases. And if you pay on time that cash back amount can be boosted to 1.25%.

Student Credit Cards With No Credit

The whole point of getting a “student” credit card is to help build your credit while taking into account the fact that you probably don’t make a lot of money right now. The good news is there are a lot of lenders who are willing to work with you, and they know that your credit history will be limited, if it even exists at all. So, here are some companies to check out that have credit cards for students without an established credit history.

  • Deserve Edu
  • First Progress
  • Bank of America® Cash Rewards Credit Card for Students
  • Discover it® Student Cash Back Card
  • Capital One® Secured MasterCard®
  • OpenSky® Secured Visa® Credit Card