The 10 Best Student Credit Cards for Amazing Rewards 

As a young adult, having a credit card can be a great tool to start building your credit history. However, with so many options available, it can be overwhelming to choose the right one. Don’t worry, we’ve got you covered! In this article, we will be discussing the top 10 student credit cards that can help you establish credit, earn rewards, and manage your finances responsibly. Whether you’re a college student or just starting out in your career, these credit cards offer numerous benefits that can help you achieve your financial goals. So, let’s dive in and find the perfect credit card for you!

1. Discover it Student Cash Back

Why We Like It: The Discover it Student Cash Back card offers cashback rewards for purchases made by students. It also has no annual fee and offers a free FICO credit score. Being a student, you can enjoy the numerous benefits of this credit card.  

Who Should Get It: This card is great for students who want to earn cash back on their purchases and build their credit history. It’s also a good option for students who want to monitor their credit score regularly. 

Pros: 

• 5% cashback on rotating categories each quarter 
• 1% cashback on all other purchases 
• No annual fee 
• Free FICO credit score 

Cons: 

• Rotating categories may not always align with your spending habits 
• Some merchants may not accept Discover cards 

2. Bank of America Cash Rewards Credit Card for Students

Why We Like It: The Bank of America Cash Rewards Credit Card for Students offers cashback rewards for purchases made by students. It also has no annual fee and offers a bonus for redeeming rewards into a Bank of America account. 

Who Should Get It: This card is great for students who want to earn cash back on their purchases and build their credit history. It’s also a good option for students who have a Bank of America account and want to maximize their rewards. 

Pros: 

• 3% cashback on a category of your choice 
• 2% cashback on groceries and wholesale clubs 
• 1% cashback on all other purchases 
• No annual fee 
• Bonus for redeeming rewards into a Bank of America account 

Cons: 

• 3% cashback category must be chosen each month 
• Requires a Bank of America account to maximize rewards 

3. Journey Student Rewards from Capital One

Why We Like It: The Journey Student Rewards from Capital One offers cashback rewards for purchases made by students. It also has no annual fee and offers a bonus for paying your bill on time. 

Who Should Get It: This card is great for students who want to earn cash back on their purchases and build their credit history. It’s also a good option for students who want to be rewarded for responsible credit card usage. 

Pros: 

• 1% cashback on all purchases 
• 1.25% cashback for paying your bill on time 
• No annual fee 
• Bonus for paying your bill on time 

Cons: 

• Only 1% cashback on all purchases 
• No bonus categories for higher rewards 

4. Citi Rewards+ Student Card

Why We Like It: The Citi Rewards+ Student Card offers rewards points for purchases made by students. It also has no annual fee and offers a bonus for redeeming rewards for travel. 

Who Should Get It: This card is great for students who want to earn rewards points on their purchases and build their credit history. It’s also a good option for students who want to redeem their rewards for travel. 

Pros: 

• 2x rewards points at supermarkets and gas stations 
• 1x rewards points on all other purchases 
• No annual fee 
• Bonus for redeeming rewards for travel 

Cons: 

• 2x rewards points only at supermarkets and gas stations 
• Not as widely accepted as other credit cards 

5. Capital One Platinum Credit Card

Why We Like It: The Capital One Platinum Credit Card offers credit-building tools and no annual fee. It’s a great option for students who want to establish credit and improve their credit score. 

Who Should Get It: This card is great for students who want to establish credit and improve their credit score. It’s also a good option for students who want to learn how to use credit responsibly. 

Pros: 

• No annual fee 
• Credit-building tools and resources 
• Access to a higher credit line after making your first 5 monthly payments on time 
• No annual fee 
• Potential for a higher credit line after making payments on time 

Cons: 

• No rewards or cashback 
• Higher interest rate than some other credit cards 

6. Discover it Chrome for Students

Why We Like It: Discover it Chrome for Students Credit Card offers cashback rewards for purchases made by students. It also has no annual fee and offers a bonus for good grades. 

Who Should Get It: This card is great for students who want to earn cash back on their purchases and build their credit history. It’s also a good option for students who want to be rewarded for good grades. 

Pros: 

• 2% cashback on gas and dining 
• 1% cashback on all other purchases 
• No annual fee 
• Bonus for good grades 

Cons: 

• 2% cashback only on gas and dining 
• May not be as widely accepted as other credit cards 

7. Bank of America Travel Rewards Credit Card for Students

Why We Like It: The Bank of America Travel Rewards Credit Card for Students offers rewards points for purchases made by students. It also has no annual fee and offers a bonus for redeeming rewards for travel. 

Who Should Get It: This card is great for students who want to earn rewards points on their purchases and build their credit history. It’s also a good option for students who want to redeem their rewards for travel. 

Pros: 

• 1.5x rewards points on all purchases 
• No annual fee 
• Bonus for redeeming rewards for travel 
• Generous rewards points 
• Bonus for redeeming rewards for travel 

Cons: 

• Not as widely accepted as other credit cards 
• Higher interest rates for cash advances and balance transfers 

8. Deserve EDU Mastercard for Students

Why We Like It: The Deserve EDU Mastercard for Students offers cashback rewards for purchases made by students. It also has no annual fee and offers a bonus for Amazon Prime Student. 

Who Should Get It: This card is great for students who want to earn cash back on their purchases and build their credit history. It’s also a good option for students who have Amazon Prime Student and want to maximize their rewards. 

Pros: 

• 1% cashback on all purchases 
• No annual fee 
• Bonus for Amazon Prime Student 
• Easy approval process 

Cons: 

• Only 1% cashback on all purchases 
• Foreign transaction fees 

9. State Farm Student Visa Credit Card

Why We Like It: The State Farm Student Visa Credit Card offers rewards points for purchases made by students. It also has no annual fee and offers a bonus for redeeming rewards for statement credits. 

Who Should Get It: This card is great for students who want to earn rewards points on their purchases and build their credit history. It’s also a good option for students who want to redeem their rewards for statement credits. 

Pros: 

• 1 point per dollar on all purchases 
• No annual fee 
• Bonus for redeeming rewards for statement credits 
• Easy approval process 

Cons: 

• Only 1 point per dollar on all purchases 
• Higher interest rate than some other credit cards 

10. Petal 2 “Cash Back, No Fees” Visa Credit Card

Why We Like It: The Petal 2 “Cash Back, No Fees” Visa Credit Card offers cashback rewards for purchases made by students. It also has no annual fee and is designed for those with limited or no credit history. 

Who Should Get It: This card is great for students who are new to credit and want to establish credit history. It’s also a good option for students who want to earn cash back on their purchases. 

Pros: 

• 1% cashback on all purchases 
• No annual fee 
• Designed for those with limited or no credit history 
• Straightforward cashback rewards 

Cons: 

• Higher interest rate than some other credit cards 
• Limited cashback rewards compared to other credit cards 

Frequently Asked Questions 

Here are some common questions students have about credit cards for young adults. 

1. What is a student credit card? 

A student credit card is a type of credit card designed specifically for college students and young adults who are just starting to build their credit history. These cards often have lower credit limits and fewer fees than traditional credit cards, making them a good choice for students who are new to credit. 

Many student credit cards also offer rewards programs that can help students earn cash back, points, or miles on their purchases. These rewards can be a great way to save money or earn travel perks while still building credit. 

2. What are the benefits of having a student credit card? 

One of the main benefits of having a student credit card is that it can help you build your credit history. By using your card responsibly and making your payments on time, you can establish a positive credit history that will help you qualify for other types of credit in the future. 

Student credit cards also often come with perks like cash back, points, or miles that can help you save money or earn rewards. Additionally, some cards offer special discounts or benefits for students, such as discounts on textbooks or free access to credit monitoring services. 

3. How do I choose the best student credit card? 

When choosing a student credit card, it’s important to consider factors like the card’s interest rate, fees, rewards program, and credit limit. Look for a card with a low interest rate and few fees, and make sure the rewards program aligns with your spending habits and goals. 

You should also consider the card issuer’s reputation and customer service, as well as any additional benefits the card may offer, such as free credit monitoring or fraud protection. Reading reviews from other students can also help you get a better sense of which cards are the best fit for your needs. 

4. Can I get a student credit card with no credit history? 

Yes, many student credit cards are designed specifically for young adults with little or no credit history. These cards often have lower credit limits and higher interest rates than traditional credit cards, but they can still be a good way to establish credit and build a positive credit history. 

If you’re having trouble getting approved for a student credit card, you may want to consider getting a secured credit card instead. These cards require a cash deposit as collateral, but they can also help you build credit and establish a positive credit history. 

5. How can I use my student credit card responsibly? 

To use your student credit card responsibly, it’s important to make your payments on time and in full each month. This will help you avoid late fees and interest charges, and it will also help you build a positive credit history. 

You should also try to keep your credit utilization ratio low, which means only using a small percentage of your available credit. Finally, it’s a good idea to monitor your credit report regularly to make sure there are no errors or fraudulent activity on your account. 

After researching and comparing various options, we have compiled a list of the 10 best student credit cards. Each card has its own unique features and benefits, so it’s important to choose the one that aligns with your specific financial needs and goals. 

Remember, credit cards should be used responsibly and only when necessary. It’s important to pay your bills on time and keep your balance low to avoid racking up unnecessary debt. With the right student credit card, you can build your credit score and set yourself up for a financially successful future. If you don’t know how to get a student credit card, you can learn from here!