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Students Categories Overview

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Most college students don’t necessarily think about their credit score – but they should.  Once  out of school, everyone from banks to possible employers to landlords will be running a credit check.  This means that as a student it's important to begin building credit as early as possible, and as a parent, it's important to help educate your children on how to leverage credit cards responsibly.  And student credit cards are designed to do precisely that!

Most major credit card providers have designed cards that are best for students who haven't used credit cards before.  These student credit cards offer low introductory APR (what’s this? Link to glossary) and other types of cash rewards – wherein if you spend money with your credit card, they give a percentage back at the end of every month.  It's free money just for using the credit card.

We've analyzed all of the best student credit cards in order to present you with the best options to make the right decision.  Read on to find our reviews of the best student credit cards.

Discover it® for Students Credit Card

Discover it® for Students Credit Card
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  • The new Discover it card is out to change the way people think about credit cards.
  • Fair…No annual fee. No over-limit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won’t increase your APR for paying late.*
  • Generous…5% cash back in categories that change throughout the year like gas, restaurant, movies, and more up to $1,500 in purchases with free and easy sign-up. And 1% cash back on all other purchases.*
  • Plus a Cashback Concerige who guides a free, personalized online tour to help you get the most rewards for how you use your card.
  • Flexible…Choose your own due date and pay up to midnight ET online or by phone.
  • Human…talk to a real person any time with 100% U.S.-based service.
  • Safe…Because you’ll never pay for unauthorized purchases with our $0 Fraud Liability Guarantee.
  • 0% Intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 12.99% - 18.99%. *Click apply for Terms & Conditions.

American Express Serve Credit Card

  • Free sign up and no credit check
  • No monthly or annual fees
  • Get the prepaid card and mobile app
  • Send and receive money by email and text
  • American Express safety and security
  • Link a bank account, debit or credit card; add money with MoneyPak®; and use at ATMs.
  • Get access to benefits such as Purchase Protection* underwritten by AMEX Assurance Company, Roadside Assistance* and Entertainment Access

Journey Student Rewards Credit Card

  • Created to help students build credit with responsible use
  • Access to your monthly credit score, plus an interactive tracking tool to help monitor your credit
  • Free text and e-mail alerts help keep you on track 
  • Get 1% cash back on all purchases
  • Earn a 25% cash back bonus for on-time payments
  • No annual fee

Dividend Platinum Select Visa Card for College Students

  • Enroll to earn 5% cash back from Citi on eligible purchases at, fitness clubs and drugstores 
  • Earn a full 1% cash back on all other purchases
  • Free enrollment each quarter for new categories 
  • Manage your account online, on your tablet or on your Smartphone
  • $0 Liability on unauthorized charges
  • No Annual Fee and no co-signor required

Citi Forward for College Students

  • Up to 2% APR reduction, if you pay your bills on time and don’t exceed your credit limit they reduce your APR substantially.
  • Earn Rewards for paying your bills on time every month
  • No co-signers required – so long as you have a decent credit score, any college student could sign up for this card
  • Extensive Rewards system built around thank-you points
  • Use Thank-you points to get everything from gift certificates to checks in $50 or $100 denominations

Horizon Gold Card

Annual Percentage Rate for Purchases 0.00%

Variable Rate Information: N/A

Grace Period for Repayment of Balances for Purchases: N/A

Method of Computing the Balance for Purchases: Revolving

NSF Check Fee: $25.00

Cancellation Fee: None

Late Payment $20.00