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Wednesday, August 27th 2014

Student Credit Cards

Following is a list of credit card offers designed for students. Compare offers from our partners and apply online with a student credit card application.

New Federal laws impose restrictions on issuing credit cards to individuals under 21 unless the applicant has the independent ability to repay debt, or has an adult co-signer who agrees to accept joint liability for the account. Learn More.

Discover it® chrome for Students Email offer
Discover it chrome for Students

At Discover's
secure site

Discover it chrome for Students Application
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on your first late payment. And paying late won't increase your APR.*
  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter—no sign-ups needed*. 1% cash back on all your other purchases.
  • 0% intro APR on purchases for 6 months—then a variable purchase APR applies, currently 12.99% - 21.99%.
  • APR won't go up if you pay late.*
  • Free FICO® Credit Score online and on your monthly statement so you can track your score's progress*.
  • Free text alerts can remind you when your payment is due. And free mobile app helps you stay on top of your account.
  • 100% U.S. based customer service - anytime, day and night.
  • *Click "Apply" to see rates, rewards and other information.
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
0% 6 months See Terms See Terms 12.99% - 21.99% Variable* $0 Fair Credit

Discover it® for Students Email offer
Discover it for Students

At Discover's
secure site

Discover it for Students Application
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on your first late payment. And paying late won't increase your APR.*
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 after you sign up*. 1% cash back on all other purchases.
  • Free FICO® Credit Score online and on monthly statements.*
  • Looks out for you-since each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.*
  • 0% intro APR* on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99%.
  • Free text alerts can remind you when your payment is due. And free mobile app helps you stay on top of your account.
  • *Click "Apply Now" to see rates, rewards, free FICO® Credit Score terms and other information.
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
0% 6 months See Terms See Terms 12.99%-21.99% Variable* $0 Fair Credit

Discover it® for Students with $20 Cashback Bonus Email offer
Discover it for Students with $20 Cashback Bonus

At Discover's
secure site

Discover it for Students with $20 Cashback Bonus Application
  • Experience our cash rewards with $20 Cashback Bonus® after you make your first purchase within 3 months of approval.*
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 after you sign up*. 1% cash back on all other purchases.
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on your first late payment. And paying late won't increase your APR.*
  • Free FICO® Credit Score online and on monthly statements.*
  • Talk to a real person any time with 100% U.S.-based service.
  • Looks out for you-since each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.*
  • *Click "Apply Now" to see rates, rewards, free FICO® Credit Score terms and other information.
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
N/A N/A See Terms See Terms 12.99%-21.99% Variable* $0 Fair Credit

JourneySM Student Rewards from Capital One® Email offer
Journey<sup>SM</sup> Student Rewards from Capital OneŽ

At Capital One's
secure site

Journey<sup>SM</sup> Student Rewards from Capital OneŽ
  • Earn 1% cash back on every purchase, every month—and pay no annual fee
  • For every month you pay on time, you receive a 25% bonus—that's a total of 1.25% cash back
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Brighten your financial future with responsible credit use—and get rewarded along the way
  • Fraud coverage if your card is lost or stolen
  • There's no limit to the amount of cash back you can earn, and rewards don't expire
  • Pick the monthly payment due date that works best for you
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
N/A N/A N/A N/A 19.8% (V) $0 Average*

BankAmericard® Visa® Card Email offer
BankAmericard Visa for Student

At Bank of America's
secure site

BankAmericard Visa for Student Application
  • A competitive APR
  • No annual fee
  • Through responsible use, help build your credit with reporting to all three major credit bureaus
  • Mobile Banking and text alerts to keep you on top of your finances
  • Fixed payment due date so you'll always know when your payment is due
  • Click "Apply" to see product features and terms
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
0%* 15 billing cycles* 0%* 15 billing cycles for any balance transfers made within the first 60 days* 10.99% - 20.99% Variable* on purchases & balance transfers $0 Good Credit

Citi ThankYou® Preferred Card for College Students Email offer
Citi ThankYou Preferred Card for College Students

At Citi's
secure site

Citi ThankYou Preferred Card for College Students Application
  • Earn 2,500 bonus ThankYou® Points after spending $500 within the first 3 months of cardmembership.
  • 2 ThankYou® Points per dollar spent on purchases for dining at restaurants and entertainment.
  • 1 ThankYou® Point on other purchases.
  • Points do not expire and earn unlimited Thank You Points
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
0% 7 months N/A N/A 13.99% - 23.99%* (Variable) $0 Good Credit

First National Bank Secured Visa Card Email offer
First National Bank Secured Visa Card Application

At First National Bank Of Omaha's
secure site

First National Bank Secured Visa Card Offer
  • Your stepping stone to credit that can grow with you.
  • You provide an upfront deposit - from $300 to $5,000 - and that sets your credit limit, subject to our credit approval.
  • How you use your card will reflect on your credit rating with the three major credit bureaus.
  • There is no charge for receiving your FICO® 8 Bankcard Score.
  • You could qualify for additional unsecured credit - without sending an additional deposit - in as few as 6 months.
  • As soon as 15 months after opening your account, you could be eligible to apply for an unsecured card from First National Bank — and get your deposit back!
  • Use your Kickstart Secured Card anywhere Visa credit cards are accepted.
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
N/A N/A N/A N/A 20.99% (Variable) $29 N/A

Additional Student Credit Cards

Following is a list of credit card offers designed for students. Compare offers from our partners and apply online with a student credit card application.

Wells Fargo Cash BackSM College Card Email offer
Wells Fargo Cash Back College Card

At Wells Fargo's
secure site

Wells Fargo Cash Back College Card Application
  • Earn 3% cash back on gas, grocery, and drugstore net purchases for 6 months
  • Easily track your cash rewards
  • Redeem your cash rewards your way
  • Zero Liability program
  • Overdraft Protection
  • Powerful mobile and online tools and apps
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
5.90% to 13.90% 6 months 5.90% to 13.90% 6 months 11.15%-21.15% (Variable) $0 Good Credit

Regions Bank Student Visa® Credit Card Email offer
Regions Bank Student Visa

At Regions Bank's
secure site

Regions Bank Student Visa
  • Earn one point for every $1 in qualified purchases on a Regions credit card with Relationship Rewards
  • Redeem your points for gift cards, merchandise, even cash credited directly to your Regions checking account
  • Connect with a Regions Bank checking account and use your card for overdraft protection.
  • Use V.me and shop online without having to share your full card number.
  • $0 Liability Guarantee protects you from unauthorized purchases on your card.
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
N/A N/A 0% 7 months 14.99%-15.99% (Variable) $0 Good Credit

State Farm® Student Visa® Email offer
State Farm Student Visa

At State Farm Bank's
secure site

State Farm Student Visa Application
  • No annual fee
  • Standard purchase APR starting as low as 11.24%
  • Lost and stolen card protection, plus zero fraud liability
  • Online and mobile access anytime
Purchases Balance Transfers Regular APR Annual Fee Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
N/A N/A N/A N/A 11.24%-18.24% (Variable) $0 Good


Tips for choosing a student credit card

A student credit card can be a meaningful first step toward financial independence, a way of building the kind of credit that can help secure loans, housing, even employment. It can also be the first step toward the kind of debt that leads to collection calls and sleepless night. Your choice.

Because credit cards can have immediate and long-term consequences, lawmakers have restricted the eligibility of young adults to secure them.

Under the Credit CARD Act of 2009, if you're younger than 21 years old, you need one of two things: proof of financial independence (i.e. income or savings) or a co-signer at least 21 years old.

If you meet those requirements, you can be eligible for a student credit card, which are targeted to the first-time cardholder. They come in two styles -- secured or unsecured.

Unsecured student cards are just like traditional credit cards -- only smaller. They look the same, but with miniature credit lines compared to their grown-up counterparts. As with any credit card, you receive a line of credit for purchases that can be repaid in full each month or through minimum monthly payments. You'll also see the usual array of perks such as cash-back rewards, sign-up bonuses and a 0 percent introductory APR.

As a first-time cardholder, expect to be treated as a high-risk customer until you prove you can handle a card responsibly. That means in addition to the low credit limit, you can expect a high interest rate that will make carrying a balance very costly.

The other option is a secured card, which requires a deposit to secure your line of credit. It can be a good option. Without a credit history, you're more likely to be approved for a secured card than an unsecured card. Establishing credit history with a secured card can also improve your chances of being approved for an unsecured card later on.

If you choose a secured card, make sure the financial institution reports to all three credit bureaus -- Experian, Equifax and TransUnion -- and try to avoid fees as much as possible. Fees on secured cards can be the usual ones all consumers face, such as annual fees or over-limit fees. Secured cards also tend to sport some creative fees not found elsewhere, such as a preapproval application fee.

Whichever option you choose, try to apply for only one card because each new credit card application lowers your credit score. Once you own the card, don't go crazy. Stay under your credit limit to avoid over-the-limit fees and stay away from cash advances, which charge interest from the moment the money is in your hands. And here's a lesson as important as any you'll learn in school: To stay out of financial trouble, pay off your monthly balance in full and on time.

More student credit card news



* See the online student credit card applications for details about terms and conditions of offer. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Now" button you can review the credit card terms and conditions on the credit card issuer's web site.


 
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