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Wednesday, July 23rd 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 late fee on your first late payment, no overlimit fee and no foreign transaction fee*.
  • 2% cash back automatically 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.
  • 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 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
  • Fair. 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 when you sign up*. 1% cash back on all other purchases automatically.*
  • Human. 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.*
  • Experience our cash rewards with $20 Cashback Bonus® when you make your first purchase within 3 months of approval.*
  • *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
N/A N/A 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
  • Fair. 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 when you sign up*. 1% cash back on all other purchases automatically.*
  • Human. 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.*
  • 0% intro APR* on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99%.
  • *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

Citi® Dividend® Card for College Students Email offer
Citi® Dividend® Card for College Students

At Citi's
secure site

Citi® Dividend® Card for College Students
  • Build credit while earning cash back fast
  • Earn 5% Cash Back in categories every quarter. Right now, on eligible purchases within the Hilton Portfolio, car rental agencies, movie theaters and theme parks from 7/1/14 – 9/30/14
  • Enrollment each quarter is quick and easy.
  • Earn 1% cash back on all other purchases
  • The total cash back earned with the card is $300 per calendar year. See Citi Dividend Card Reward Program Information.
  • Choose your payment due date
  • No Annual Fee
  • Click Apply Now for pricing details
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

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

At Capital One's
secure site

Journey<sup>SM</sup> Student Rewards from Capital One®
  • 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

American Express Serve® Email offer
American Express Serve

At American Express's
secure site

American Express Serve Application
  • Your Full Service Reloadable Prepaid Account (American Express Serve is not a credit card.)
  • No credit check. No minimum balance. No hidden fees.
  • Enjoy American Express service and security 24/7. Shop online or off and get access to membership benefits like Purchase Protection.
  • Add cash for free across 19,500 CVS/pharmacy®, Walmart®, and participating 7-ELEVEN® locations.
  • Free ATM withdrawals at over 24,000 ATMs nationwide.
  • Use the Mobile App* to deposit checks on-the-go, manage your money, pay bills and more.
  • *Terms, conditions and exclusions apply.
Purchases Balance Transfers Regular APR Monthly Fee (up to) Credit Needed
Intro APR Intro APR Period Intro APR Intro APR Period
N/A N/A N/A N/A N/A $1 Monthly Fee (no fee NY, TX & VT)* No Credit Check

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


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 pre-approval 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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