Top 5 Best Credit Cards for Students

If you are a young adult student, you are likely beginning the process of becoming more independent. This means taking on financial responsibilities from bills to credit. It can be easy to start handling bills but building credit can be trickier. Not only are you still learning the credit process, you are also dealing with academic stresses. All of this may begin to make you feel overwhelmed. Luckily, there are credit cards that are meant specifically for students so you can have less stress to worry about when beginning your credit journey!

Discover It Cash Back:

This is beneficial to students because not only do you receive rewards, but you are able to keep track of your score easily. You get a free FICO score that you can check at any time that does not affect your credit. This card is also forgiving because it offers forgiveness for your first late payment. Not only that, but Discover states that you do not need to have any type of credit history in order to get this card. This means it is accessible for students especially if they are just starting to build their credit.

Deserve Edu Mastercard for Students:

If you are not a U.S. citizen but want to begin building credit, then this is the perfect card! This card is made specifically for students who can't qualify for a normal credit card because they lack a U.S. credit history, and/or a social security number. This is perfect if you are

either in the U.S. temporarily or permanently without proper documentation needed for a traditional card.

Journey Student Rewards from Capital One:

This credit card is best for students who have average credit. If you are beginning the process of building credit, then this is not the right option for you because this card is meant for individuals who already have some sort of history. Some benefits of this card are the fact that it offers flat-rate rewards as well as bonuses for paying on time.

Citi Rewards + Student Card:
This is an especially good credit card for students that are becoming more independent because it offers many rewards. Some of the bonus rewards are given based on purchases like gas, groceries and other similar small purchases. It is beneficial to have a card that rewards you on items you need to purchase anyway so that you do not go out of your way to spend money on useless items you don’t need.

State Farm Student Visa Credit Card:
This card specifically accepts applications with below average credit. The reward system works in a way of points, so you get 1 point for every $2 spent on almost all purchases. There is also a point system for insurance premium payments that award 3 points for every $1 spent.


While it may seem like an intimidating task of getting credit while being a student, it is actually quite manageable. There are numerous options out there for students, this is just a list of 5 that are particularly helpful. Make sure to look into the best card for your financial situation whether you have no credit score, poor credit history, or just want to build your score overall!