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Just starting out on your own financially? Haven't had time yet to build up a solid credit history? Student credit cards may offer the perfect solution. They are designed specifically for people just beginning to build their credit histories, and often offer unique perks, benefits and services especially for students.

Student Credit Cards are Risky for Lenders
Student credit cards generally have lower credit limits, higher interest rates, and more substantial fees than normal cards to off-set the added risk of lending to students. If you manage it responsibly, a student credit card can be a great way to begin building a positive credit record. Make an effort to learn good habits and spend wisely. Your personal credit history will be very important in the future, so make it a good one!

Before you apply for a student credit card

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Best Visa Chase Platinum Visa® Card

  • 0% Intro APR for up to 12 months
  • The time period for the introductory APR and the balances to which it will apply will be based on our review of your application and credit history
  • No Annual Fee
  • FREE Online Account Access
  • FREE travel services including Auto Rental Collision Damage Waiver and Worldwide Travel Accident Insurance
Best MasterCard Citi® Platinum Select® Card
  • 0% APR* on balance transfers and purchases for up to 12 months
  • No annual fee
  • Citi Identity Theft Solutions
  • $0 Liability on unauthorized purchases
  • Secure, free online account management
Best American Express Blue from American Express®
  • Membership Rewards ExpressSM program
  • 0% APR on purchases for up to 15 months
  • No Annual Fee
  • Low Balance Transfer APR - 4.99% Fixed APR for the life of the balance.
  • Blue is your launch pad to stand out shopping and entertainment rewards and one-of-a-kind experiences.
  • Express Approval. Get a decision in less than 60 seconds.

Best Discover Chase Freedom(SM) Credit Card
  • Receive $50 after you make your first purchase
  • 3% Cash Back in your top 3 everyday spending categories
  • 1% cash back for every $1 you spend on all other purchases
  • Receive an extra $50 each time you save and redeem $200 in rewards