Student Credit Cards
It’s never too early to begin building up a strong credit history, and it’s critical that you have an eye on your credit score even as a college student. These student credit cards are designed exactly for that purpose, providing students with the ability to build credit history even while still in school. Even if you’re a typical student and not moving around large sums of money, these credit cards can significantly improve your credit score by the time you graduate. The earlier you start building your credit, the better your position will be upon graduation.
Petal Visa® Credit Card
Intro APR for Balance Transfer
N/A
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Regular
APR
15.24 - 26.24%
Variable
Annual
Fee
$0
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Fair/Good Credit Needed
Benefits & KEY FEATURES
- •No fees whatsoever
- No late fee, international fee, annual fee, or any-other-kind-of-fee, fee
- •$500 - $10,000 credit limits •No credit history necessary for approval •Build credit by using responsibly
- •Petal reports to all 3 major credit bureaus •Petal's mobile app makes it effortless to manage your money, track your spending, and build credit without thinking much about it
- •See if you're pre-approved within minutes without impacting your credit score
- •No deposits required
- •Card issued by WebBank, member FDIC.
Benefits & KEY FEATURES
Fair/Good
CREDIT NEEDED
Intro APR Purchase
N/A
Intro APR for Balance Transfer
N/A
Regular APR
15.24 - 26.24% Variable
Annual Fee
$0
Journey® Student Rewards from Capital One®
Intro APR for Balance Transfer
N/A
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Regular
APR
26.96%
(Variable)
Annual
Fee
$0
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Average/Fair/Limited Credit Needed
Benefits & KEY FEATURES
- Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
- Enjoy no annual fee and no foreign transaction fees
- Get a head start and build your credit with responsible use
- Get access to a higher credit line after making your first 5 monthly payments on time
- Monitor your credit profile with the CreditWise® app, free for everyone
- $0 fraud liability if your card is ever lost or stolen
- Pick the monthly due date that works best for you
- Get customized alerts and manage your account with the Capital One mobile app
Benefits & KEY FEATURES
Average/Fair/Limited
CREDIT NEEDED
Intro APR Purchase
N/A
Intro APR for Balance Transfer
N/A
Regular APR
26.96% (Variable)
Annual Fee
$0
Citi Rewards+℠ Student Card
Intro APR for Balance Transfer
N/A
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Regular
APR
16.74% - 26.74%
(Variable)
Annual
Fee
$0
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Good Credit Needed
Benefits & KEY FEATURES
- Introducing the New Citi Rewards+℠ Student Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap
- Earn 2,500 bonus points after you spend $500 in purchases with your card within 3 months of account opening; redeemable for a $25 gift card at thankyou.com
- 0% Intro APR on purchases for 7 months. After that, the variable APR will be 16.74% - 26.74%, based on your creditworthiness
- Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
- Get 10% Points Back for the first 100,000 ThankYou® Points you redeem per year
- No annual fee
Benefits & KEY FEATURES
Good
CREDIT NEEDED
Intro APR Purchase
0% for 7 months on Purchases
Intro APR for Balance Transfer
N/A
Regular APR
16.74% - 26.74% (Variable)
Annual Fee
$0
Capital One® QuicksilverOne® Cash Rewards Credit Card
Intro APR for Balance Transfer
N/A
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Regular
APR
26.96%
(Variable)
Annual
Fee
$39
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Average/Fair/Limited Credit Needed
Benefits & KEY FEATURES
- Earn unlimited 1.5% cash back on every purchase, every day
- Earn cash rewards without signing up for rotating categories
- Get access to a higher credit line after making your first 5 monthly payments on time
- Monitor your credit profile with the CreditWise® app, free for everyone
- $0 fraud liability if your card is ever lost or stolen
- No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
- Help strengthen your credit for the future with responsible card use
- Get customized alerts and manage your account with the Capital One mobile app
Benefits & KEY FEATURES
Average/Fair/Limited
CREDIT NEEDED
Intro APR Purchase
N/A
Intro APR for Balance Transfer
N/A
Regular APR
26.96% (Variable)
Annual Fee
$39
Citi® Secured Mastercard®
Intro APR for Balance Transfer
N/A
View Details
Regular
APR
24.74%*
(Variable)
Annual
Fee
$0
View Details
Limited History/No Credit/New-to-Credit/Good Needed
Benefits & KEY FEATURES
- No Annual Fee, and unlike a prepaid card, it helps build credit history with monthly notifications to the credit bureaus
- A security deposit is required for this product (minimum $200)
- Pay your bill on time every month to avoid damaging your credit. Citi can help keep you on track with Auto Pay, online Bill Pay and alerts.
- Use the card anywhere Mastercard® is accepted — worldwide
Benefits & KEY FEATURES
Limited History/No Credit/New-to-Credit/Good
CREDIT NEEDED
Intro APR Purchase
N/A
Intro APR for Balance Transfer
N/A
Regular APR
24.74%* (Variable)
Annual Fee
$0
