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As a student, you might wonder how to build your credit score while enjoying the benefits of a good credit card. Luckily, options are designed specifically for those who are just beginning to establish their credit profiles.
In this guide, you’ll discover ten of the best credit cards tailored for students with no prior credit experience. Each card offers valuable features such as rewards programs and low fees, making them accessible and beneficial. By exploring these choices, you’ll find a suitable card and learn how each option can help you develop healthy financial habits that will serve you well in the future.
Get ready to embark on a responsible path toward building your credit!
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Essential Guide to Credit Cards for Students
- 1. Discover it® Student Cash Back
- 2. Journey Student Rewards from Capital One
- 3. Deserve Edu Mastercard for Students
- 4. Citi Rewards+℠ Student Card
- 5. Bank of America® Travel Rewards Credit Card for Students
- 6. Undergraduate Preferred Cash Rewards Visa Signature Card by PNC Bank
- 7. UNFCU Simple Mastercard®
- 8. Petal® 2 Cash Back Visa® Credit Card
- 9. First Progress Platinum Elite MasterCard Secured Credit Card
- 10. OpenSky® Secured Visa® Credit Card
- Why should you use a student or secured card to help build your credit history?
- Applying for a student credit card with no credit history
- Choosing a student credit card with no credit history
- Building your credit history with a student credit card
- Credit Cards for Students with No Credit Comparison
- What Are the Pros and Cons of Credit Cards for No Credit?
- How to Apply for Credit Cards with No Credit
- Credit Cards for No Credit FAQs
- Final Thoughts
- Recommended Reads
Essential Guide to Credit Cards for Students
1. Discover it® Student Cash Back
A fantastic option for students, this card offers 5% cash back in rotating categories and a dollar-for-dollar match of all cash back earned during the first year.
The Discover it® Student Cash Back card stands out for students due to its rewarding cash back structure. With 5% cash back on rotating categories each quarter—such as gas stations, grocery stores, restaurants, and online shopping—students can maximize their earnings based on their spending habits. Additionally, the card offers 1% cash back on all other purchases, making it a versatile option for daily expenses.
One of the most enticing features is the dollar-for-dollar match of all cash back earned during the first year. This means if you earn $100 in cash back rewards, Discover will match that amount at the end of your first year, effectively giving you $200 without any extra effort. It’s an excellent way to jumpstart savings while still being a student.
2. Journey Student Rewards from Capital One
With no annual fee, this card helps build credit while offering 1% cashback on all purchases and an extra boost to 1.25% when you pay your bill on time.
The Journey Student Rewards card from Capital One offers a fantastic opportunity for students looking to build credit without the burden of an annual fee. With this card, you can enjoy straightforward 1% cashback on all purchases, helping you earn rewards on everyday spending like groceries, textbooks, or dining out. Additionally, if you make your payments on time, you’ll receive a bonus boost that increases your cashback earnings to 1.25%. This incentivizes responsible financial habits while rewarding you for them.
3. Deserve Edu Mastercard for Students
This straightforward card gives you access to a flat rate of 1% cashback on every purchase, plus international student benefits without requiring a Social Security number.
The Deserve Edu Mastercard is an excellent choice for those seeking a simple credit card with no complex requirements. With this card, students can enjoy a flat rate of 1% cashback on every purchase, allowing them to earn rewards effortlessly as they fund their daily expenses, textbooks, or dining out.
Moreover, the Deserve Edu Mastercard offers several unique benefits tailored specifically for international students, including:
- No Social Security Number Needed: Perfect for international students who often face challenges obtaining financial products in the U.S.
- No Annual Fee: Enjoy these benefits without worrying about added costs.
- Mobile Support: Access dedicated customer service to address any inquiries quickly and efficiently.
4. Citi Rewards+℠ Student Card
Perfect for students who love shopping, earn double points at supermarkets and gas stations, with the added bonus of rounding up your points after each purchase.
If you’re a student who loves to shop, the Citi Rewards+℠ Student Card could be the ideal choice. This card allows you to earn 2x points at supermarkets and gas stations, making it perfect for those late-night snacks or weekend road trips. Additionally, the card’s unique point rounding system means even small purchases contribute significantly toward your rewards balance by rounding up to the nearest 10 points.
5. Bank of America® Travel Rewards Credit Card for Students
If travel is something you’re looking forward to post-graduation, this card allows you to earn unlimited 1.5 points per dollar spent on every purchase, with no foreign transaction fees.
The Bank of America® Travel Rewards Credit Card for Students is an excellent choice for those looking to kickstart their travel journeys after graduation. With no foreign transaction fees and unlimited 1.5 points per dollar spent on all purchases, this card makes it easy to rack up rewards while staying financially savvy.
6. Undergraduate Preferred Cash Rewards Visa Signature Card by PNC Bank
This unique option rewards students with up to $150 cash back if they spend a specific amount in the first three months and offers flexible redemption options.
The Undergraduate Preferred Cash Rewards Visa Signature Card by PNC Bank is designed to help students establish credit while earning rewards. One of its standout features is the opportunity to earn up to $150 cash back after meeting spending requirements within the first three months.
7. UNFCU Simple Mastercard®
Specifically designed for students, this card has no annual fee or foreign transaction fees and allows them to earn rewards without needing an established credit history.
The UNFCU Simple Mastercard® stands out with its no annual fee and no foreign transaction fees, making it ideal for students traveling abroad or studying internationally. The card helps build credit while rewarding everyday spending.
8. Petal® 2 Cash Back Visa® Credit Card
Ideal for those starting out, this card is available even without traditional credit history and offers up to 1.5% cashback.
The Petal® 2 Cash Back Visa® Credit Card is an excellent option for students just beginning to build credit. The card doesn’t require a traditional credit history, making it accessible for those with stable income or savings.
9. First Progress Platinum Elite MasterCard Secured Credit Card
A secured option that enables building credit responsibly; requires low deposits as collateral while ensuring competitive rates.
10. OpenSky® Secured Visa® Credit Card
Best suited for those cautious about high-interest debts, this card has no hidden fees and only requires a one-time security deposit upfront.
Why should you use a student or secured card to help build your credit history?
Using a student or secured credit card is a strategic move for students aiming to establish a solid credit history. These cards are specifically designed to cater to individuals with little or no credit history, making them an excellent starting point. A student credit card allows you to build your credit history by reporting your account activity and payment activity to the major credit bureaus, which is crucial for improving your credit score over time. By maintaining your account in good standing—such as making timely payments and keeping your credit utilization low—you can significantly boost your credit profile, setting yourself up for financial success in the future.
Moreover, having a positive credit history is essential, as it directly impacts your credit score, which lenders use to assess your creditworthiness. As you demonstrate responsible credit use, you not only build a good payment history and credit history but also open doors to better credit card offers in the future, including lower interest rates and higher credit limits. Overall, utilizing a student or secured card effectively lays the groundwork for achieving good credit.
Student Credit Cards Myths and Misconceptions
Many students are deterred from applying for credit cards due to prevalent myths and misconceptions surrounding them. One common myth is that you need to have bad credit to be approved for a student credit card. In reality, the types of credit cards available, including student credit cards, are specifically designed for individuals with no credit history, making them accessible to those just starting out. This misconception can prevent students from taking advantage of the opportunity to build credit early on.
Another misconception is that having a credit card, particularly a regular credit card, will lead to debt. While it’s true that irresponsible use can result in accumulating debt, a student credit card can be a tool for financial learning when used responsibly. By managing your spending and paying your balance in full each month, you can avoid interest charges and build a positive credit history simultaneously.
Lastly, some believe that being an authorized user on someone else’s credit card account is the only way to build credit. However, applying for a student credit card allows you to establish your credit history independently. By demonstrating responsible usage and payment habits on your own account, you can pave the way to a healthy credit score without relying solely on others.
How to Build Credit as a College Student
Building credit as a college student is a critical step in establishing financial independence. One of the most effective ways to build credit is by applying for a student credit card. These cards typically have lower credit limits and are designed for those with little to no credit history, making them easier to obtain. Once you have a card, it’s essential to use it responsibly and keep it in good standing. This means making purchases within your budget and ensuring that you pay your bill on time every month, as timely payments are a significant factor in determining your credit score.
In addition to using a credit card, another important aspect of building credit is monitoring your credit report. Regularly checking your credit report allows you to track your progress and identify any discrepancies that may impact your score. By understanding how your credit utilization—typically recommended to stay below 30% of your available credit—affects your score, you can make informed decisions about your spending habits.
Lastly, consider becoming an authorized user on a family member’s credit card. This can help you build credit history without the responsibility of managing a separate account. Just remember that their payment history will affect your score, so choose a responsible cardholder. By following these steps, you can effectively build a solid foundation for your credit history.
Applying for a student credit card with no credit history
Applying for a student credit card with no credit history can be a straightforward process if you know what to expect. Credit card companies understand that students often lack a credit history, so they offer specialized cards designed to help you establish credit. When you start your application, be prepared to provide essential personal information, including your name, address, Social Security Number, and proof of income, which can be from part-time jobs, allowances, or even scholarships, especially if you are the primary cardholder.
It’s crucial to compare different student credit cards offered by major credit card companies before applying to find one that fits your needs. Look for cards that report to the major credit bureaus, have low fees, and offer rewards. Once you’ve chosen a card, fill out the application accurately and submit it. Many card issuers allow you to check for pre-approval, which can give you an idea of your chances of approval without affecting your credit score.
Once approved, remember to use your card responsibly. Consult with a financial advisor if needed, pay your balance on time, keep your credit utilization low, and monitor your spending. By doing so, you’ll start to build a positive credit history, which will serve you well as you transition into adulthood.
Choosing a student credit card with no credit history
Selecting the right student credit card as a college student when you have no credit history is an important decision that can influence your financial future. Start by evaluating your spending habits; for example, if you frequently shop at grocery stores or gas stations, look for cards that offer higher rewards in those categories. Additionally, consider the fees associated with the card, such as annual fees or foreign transaction fees, and aim for options with minimal or no fees.
Another key factor to consider is whether the card offers educational resources or tools that can help you manage your credit. Some issuers provide access to credit score monitoring and educational material on building credit, which can be highly beneficial for first-time cardholders. Also, check if the card reports to all three major credit bureaus, including a credit bureau, as this is critical for building your credit history effectively.
Finally, think about the card’s terms and conditions. Look for features such as introductory APR offers, which might include higher interest rates, bonuses for spending in the first few months, and flexibility in payment options. By carefully considering these aspects, you can choose a student credit card that aligns well with your financial goals and helps you build a strong credit history.
Building your credit history with a student credit card
Building your credit history with a student credit card is an essential step in securing your financial future. When you open a student credit card account, the issuer typically reports your payment activity to the major credit bureaus. This means that your responsible use and usage—such as making on-time payments and keeping your balance low—will positively impact your credit history.
To effectively build your credit history, it’s vital to develop good credit habits early on. Start by creating a budget that allows you to make manageable purchases with your credit card. Aim to pay off your balance in full each month, as this will help you avoid interest charges and demonstrate your ability to manage credit responsibly. Additionally, keeping your credit utilization below 30% of your total limit is crucial for maintaining a healthy credit score.
As you consistently demonstrate responsible credit behavior, you’ll see improvements in your credit score over time. This positive history will open doors to better credit opportunities in the future, such as higher credit limits, lower interest rates, and favorable loan terms. By using your student credit card wisely, you are laying the groundwork for a strong credit profile that will benefit you long after graduation.
Credit Cards for Students with No Credit Comparison
When comparing credit cards for students with no credit, it’s essential to evaluate key factors such as credit limit, interest rates, and rewards programs. Below is a comparative overview of popular options:
Credit Card Name | Credit Limit | Interest Rate | Rewards Program |
---|---|---|---|
Discover it® Student Cash Back | $200+ | 17.24% – 26.24% Variable | 5% rotating categories, 1% on all other purchases |
Journey Student Rewards from Capital One | $300+ | 19.24% – 29.24% Variable | 1% on all purchases, 1.25% with on-time payments |
Deserve Edu Mastercard | $500+ | 18.99% Variable | 1% on all purchases |
Citi Rewards+℠ Student Card | $200+ | 17.49% – 26.24% Variable | 2x points at supermarkets and gas stations |
Bank of America® Travel Rewards | $500+ | 16.49% – 24.49% Variable | 1.5 points on all purchases |
Petal® 2 Cash Back Visa® Credit Card | $500+ | 19.99% Variable | 1% – 1.5% cash back on purchases |
OpenSky® Secured Visa® | $200+ | 24.64% Variable | No rewards program |
This comparison highlights the varying features of each credit card, helping students make informed decisions based on their spending habits and financial goals. By understanding the benefits and limitations of each card, you can choose one that aligns best with your needs as you embark on your credit-building journey.
Student Credit Card Benefits
The Journey Student Rewards from Capital One offers a solid credit-building option for students. With no annual fee, you can earn a rewards rate of 1% cash back on all your purchases. Additionally, you get a higher credit line after making your first five monthly payments on time, which is a great incentive for responsible use. The card also provides access to a higher credit line in as little as six months. It’s a valuable tool for students looking to establish a positive credit history.
College Student Credit Card Interest Rates
The Discover it® Student Cash Back card offers cashback rewards on everyday purchases with no annual fee. It provides access to a FICO® credit score, making it easier for students to monitor their credit history. With responsible use, students can build a positive credit history that may benefit future balance transfers. The card also offers a rewards match at the end of the first year, doubling the rewards earned. This student credit card is an excellent choice for those looking to start building their FICO score and credit profile.
What Are the Pros and Cons of Credit Cards for No Credit?
Building credit can be challenging without a credit history, making student credit cards for no credit appealing. Pros include establishing a credit history early, limiting overspending with a low credit limit, and earning rewards on purchases. However, cons may involve higher interest rates and potential fees. It’s essential to compare options carefully, considering fees, interest rates, and rewards. Responsible use is key to reaping the benefits of credit cards for no credit.
How to Compare Your Card Options
Discover it® Student Cash Back is an excellent option for students looking to build credit. With quarterly bonuses on categories like gas stations and grocery stores, it rewards everyday purchases, making it a great choice for students’ everyday purchases. After the first year, all cash back is matched, doubling rewards. It offers a free FICO® credit score on monthly statements and the mobile app, aiding in tracking credit progress. Students can earn 5% cash back on rotating categories and 1% cash back on all other purchases. Plus, there’s no annual fee, making it a great choice for students seeking rewards and building credit simultaneously.
How to Apply for Credit Cards with No Credit
When applying for credit cards with no credit, focus on student or secured cards designed for individuals with limited credit, including those with limited credit history. Check for options that don’t require a credit history during the application process. Prepare necessary documents such as proof of income, identification, and possibly a security deposit for secured cards. Research different card features and benefits to align with your financial needs. Apply online or visit a local branch of the desired credit card issuer. Remember to use the card responsibly to start building a positive credit history.
Are There Alternatives to Credit-Building Credit Cards?
The Discover it® Student Cash Back card offers a unique cashback match at the end of your first year and no annual fee. It is designed to help students build their credit history responsibly with rewards tailored to everyday purchases. With a low initial credit limit, it promotes good credit behavior. The card’s mobile app allows easy monitoring of account activity, enhancing financial awareness. Students can benefit from a credit card that incentivizes responsible use and provides tools for credit management.
Credit Cards for No Credit FAQs
What fees are associated with credit cards for students with no credit? Do student credit cards with no credit history have rewards programs? Can international students apply for credit cards with no credit history? How can first-time credit card users avoid getting into debt? These and other common questions are addressed in this FAQ section about credit cards for students with no credit history. Understanding the ins and outs of acquiring and managing such cards is crucial for building a solid credit foundation.
How Long Does It Take to Build a Credit History?
The Discover it® Student Cash Back card offers high rewards for students on everyday purchases. It includes incentives like a $20 statement credit for good grades. With responsible use, students can earn cash back and build a positive credit history. The card has no annual fee and provides free access to a FICO® Credit Score. Additionally, Discover matches all the cash back earned at the end of the first year, making it a lucrative option for students looking to establish credit.
Are There Credit Cards for No Credit with Instant Approval?
Discover it® Student Cash Back is a top choice for students. It offers cash back on every purchase with no annual fee. Journey Student Rewards by Capital One is another excellent option with no foreign transaction fees. These cards help students build credit responsibly. Deserve Edu Mastercard is designed for students with limited credit history. Citi Rewards+℠ Student Card stands out with its unique rewards structure. Bank of America® Travel Rewards Credit Card for Students provides flexible redemption options. Having a student credit card is a smart way to start building a positive credit history.
Is No Credit the Same as Bad Credit?
Discover it® Student Cash Back is a top choice for students looking for their first credit card. With no annual fee and cash back on everyday purchases, it helps build credit responsibly. Journey Student Rewards from Capital One is another excellent option, offering rewards for responsible use. Deserve Edu Mastercard for Students provides benefits like 1% cash back on all purchases. Citi Rewards+℠ Student Card stands out with its unique rewards program. Bank of America® Travel Rewards Credit Card for Students is ideal for travel enthusiasts. These cards offer students a great starting point in building their credit history.
Final Thoughts
When considering credit card options for students, it’s essential to focus on building credit responsibly while reaping rewards. The Undergraduate Preferred Cash Rewards Visa Signature Card by PNC Bank stands out with its cash back incentives, perfect for students looking to establish credit and earn rewards simultaneously. For those studying abroad, the UNFCU Simple Mastercard® offers a fee-free experience, catering to international students’ needs. Meanwhile, the Petal® 2 Cash Back Visa® Credit Card provides an accessible option for beginners without a traditional credit history.

Reviewed and edited by Albert Fang.
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Article Title: How to Choose the Best Credit Card for Students with No Credit
https://fangwallet.com/2025/01/28/how-to-choose-the-best-credit-card-for-students-with-no-credit/
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