Best student credit cards of November 2024
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- Best overall student card: Capital One Savor Student Cash Rewards Credit Card
- Best for rotating cash back categories: Discover it® Student Cash Back
- Best for no credit check: Firstcard® Secured Credit Builder Card with Cashback for Students
- Best for intro APR: Bank of America® Unlimited Cash Rewards Credit Card for Students
- Best for travel: Bank of America® Travel Rewards Credit Card for Students
- Best for gas and dining: Discover it® Student Chrome
- Best for flat-rate cash back: Capital One Quicksilver Student Cash Rewards Credit Card
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Showing 7 results
Best overall student card
Intro offer
$50
Rewards Rate
1% - 8%
Annual fee
$0
Regular APR
19.74% - 29.74% (Variable)
Why you'll like this: If you’re a student who spends mostly on grocery store purchases, restaurants, entertainment and popular streaming services (and what student doesn’t), this card is all you need for earning back on your purchases.
Best for rotating cash back categories
Intro offer
Cashback Match
Rewards Rate
1% - 5%
Annual fee
$0
Regular APR
17.74% - 26.74% Variable APR
Why you'll like this: It effectively doubles your cash back at the end of the first year, making it a good choice if you want to maximize your year one rewards.
Best for no credit check
Intro offer
N/A
Rewards Rate
1% - Up to 15%
Annual fee
$0
Regular APR
0% APR
Why you'll like this: The Firstcard makes it easy to begin your credit journey without requiring a credit check or Social Security number.
Best for intro APR
Intro offer
$200
Rewards Rate
1.5%
Annual fee
$0
Regular APR
18.74% - 28.74% Variable APR on purchases and balance transfers
Why you'll like this: You can earn cash back on every purchase without worrying about reward categories and gain access to valuable financial education such as Better Money Habits.
Best for travel
Intro offer
25,000 points
Rewards Rate
1.5X
Annual fee
$0
Regular APR
18.74% - 28.74% Variable APR on purchases and balance transfers
Why you'll like this: You can earn unlimited points for every dollar spent on purchases, which you can redeem for a wide variety of travel expenses without any restrictions.
Intro offer
Cashback Match
Rewards Rate
1% - 2%
Annual fee
$0
Regular APR
17.74% - 26.74% Variable APR
Why you'll like this: It offers cash back on gas stations and restaurants, which makes it a good choice if you’re a student who commutes and dines out frequently.
Best for flat-rate cash back
Intro offer
$50
Rewards Rate
1.5%
Annual fee
$0
Regular APR
19.74% - 29.74% (Variable)
Why you'll like this: This card combines unlimited flat-rate cash back on every purchase with an easy to earn Early Spend Bonus.
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Compare Bankrate’s top student credit cards
Card name | Best for | Card highlights | Bankrate review score |
---|---|---|---|
|
Overall student card |
8% cash back on Capital One Entertainment purchases 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply) 3% cash back on dining, entertainment, popular streaming services and grocery store purchases (excluding superstores like Walmart® and Target®) 1% cash back on all other purchases |
4.6 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Capital One's secure site
|
|
Rotating cash back categories |
5% cash back on up to $1,500 per quarter of rotating category purchases (activation required), then 1% 1% cash back on all other purchases Low rates and fees
|
5.0 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Discover's secure site
|
|
No credit check |
Up to 15% cash back on over 29,000 partner merchants Up to 10% random cash back after every eligible purchase |
3.0 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Firstcard's secure site
|
|
Intro APR |
Unlimited 1.5% cash back on all purchases Longer intro APR than many competitors |
3.9 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Bank of America's secure site
|
|
Travel |
Unlimited 1.5X points on all purchases Top-notch intro offer |
3.9 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Bank of America's secure site
|
|
Gas and dining |
2% cash back cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter (then 1%) Automatic Cashback Match™ Low rates and fees |
4.1 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Discover's secure site
|
|
Flat-rate cash back |
1.5% cash back on purchases
|
4.0 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Capital One's secure site
|