Below are credit cards offered especially to college students, meaning you should have an easier time qualifying for these cards as a student than you would if you tried to get a regular consumer credit card.
- Journey Student Rewards Card from Capital One – Good college credit card that offers 1% cash back plus an extra .25% each month as long as you pay on time. You also get access to your credit score each month, so (hopefully) you will get to watch your credit get better and better. The card’s 20.24% interest rate is high but not out of line for student cards, and there’s no annual fee.
- Citi ThankYou Preferred Card For College Students – Offers a rewards program that gives you 2 points per dollar on restaurant and entertainment purchases, and 1 point per dollar on everything else. Points can be redeemed for cash, gift card, merchandise, travel, etc. Interest rate anywhere from 14.24%-24.24% depending on your “creditworthiness” — if you haven’t had credit before, you should count on getting a higher interest rate.
- The Wells Fargo Cash Back College Card offers 1% cash back on all purchases. For the first 6 months you have the card, it also offers 3% back on gas, grocery and drug store purchases. Interest rate could be anywhere from 11.4% to 21.4% — count on the high end if you haven’t had credit before.
- BankAmericard Visa for Students – A no-frills credit card with an interest rate as low as 11.24% (which you probably won’t get) to as high as 21.24%. It offers no rewards. However, it does offer 0% financing on purchases for the first 18 months, though we wouldn’t recommend loading up on debt just because you don’t have to pay interest for a while.
- U.S. Bank College Visa Card – No-frills student credit card with interest rate as low as 12.24% or as high as 21.24%.