Student Cards

Student credit cards can be a great way to teach responsible use of credit to those that are new to credit.

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Rewards Rate 1

3% Cash Back on dining and entertainment

Fraud Coverage

You’re covered by $0 Fraud Liability if your card is ever lost or stolen

Annual Fee

$0

Credit Recommended:
Average, Fair, Limited

on issuer’s secure website.

Purchase Grace Period

25 days

Regular APR

17.99% – 27.99% (Variable)

Credit Recommended Good/Excellent
0%
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), with 1% on all other purchases
  • Early Spend Bonus: Earn $50 when you spend $100 in the first three months
  • Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024
  • Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
  • Enjoy no annual fee, foreign transaction fees, or hidden fees
  • Lock your card in the Capital One Mobile app if it’s misplaced, lost or stolen
  • Earn up to $500 a year by referring friends and family when they’re approved for a Capital One credit card
  • Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
  • Build your credit with responsible card use
  • Whether you’re at a 4-year university, community college or other higher education institution, this card might be an option for you
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Intro Rewards Bonus

$50 Bonus

Rewards Rate 1

1% cash back

Regular APR

18.74% Variable

Credit Recommended:
See website for Details*

on Chase secure website.

Annual Fee

$0

Product Type

Consumer Card

Credit Recommended

See website for Details*

  • $50 Bonus after first purchase made within the first 3 months from account opening
  • Earn 1% cash back on all purchases
  • No annual Fee
  • $20 Good Standing Rewards after each account anniversary for up to 5 years
  • Earn a credit limit increase after making 5 monthly payments on time within 10 months from account opening when meeting credit criteria
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open
  • Free credit score with Chase Credit Journey
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Rewards Rate 1

1% Cash Back on all purchases

Intro Rewards Bonus Value Description

None

Fraud Coverage

You’re covered by $0 Fraud Liability if your card is ever lost or stolen

Credit Recommended:
Average, Fair, Limited

on issuer’s secure website.

Annual Fee

$0

Balance Transfer Fee

$0 at this Transfer APR

Foreign Trans Fee

None

  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
  • Enjoy no annual fee, foreign transaction fees, or hidden fees
  • Lock your card in the Capital One Mobile app if it’s misplaced, lost or stolen
  • Earn up to $500 a year by referring friends and family when they’re approved for a Capital One credit card
  • Pick the monthly due date that works best for you
  • Pay for Amazon.com purchases using your Capital One rewards
  • Pay for online purchases with virtual card numbers and keep your actual card number to yourself
  • Get notified via text, email, and phone if Capital One notices potential suspicious transactions on your account
  • Build your credit with responsible card use
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Card Brand

Visa®

Product Type

Secured

Credit Recommended

Good/Limited Credit

Credit Recommended:
Good/Limited Credit

on Plains Commerce Bank secure website.

Regular APR

18.90% (fixed)*

Annual Fee

$39*

Credit Line

$200-$1000 at time of application*

  • Upon credit approval, the collateral deposit you provide becomes the credit limit on your Visa® card. Choose between $200 and $1,000.
  • A minimum collateral deposit of $200 is required to open this account.
  • After the first year, you can request to increase the credit limit up to a maximum of $5,000 (subject to credit approval and additional collateral deposits).
  • This card is perfect for people new to credit as well as people looking to rebuild their credit.
  • Reports monthly to all three major credit bureaus.
  • Build or rebuild your credit by keeping your balances low and paying all creditors on time every month.
  • 24/7 online account center.
  • This card is issued by Plains Commerce Bank pursuant to a license from Visa U.S.A., Inc.
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Regular APR

23.74% – 33.24% Variable

Credit Recommended

Fair/Bad/Limited/No Credit

Credit Limit

$300 – $5,000

Credit Recommended: Fair/Bad/Limited/No Credit

on issuer’s secure website.

Late Payment Fee

Late fees up to $29 for first late payment, $40 for second late payment.

Intro Rate

N/A

Intro Period

N/A

  • $0 Annual Fee
  • Variable APRs range from 23.74% – 33.24%
  • $300 – $5,000 credit limits
  • Earn a credit limit increase in as little as 6 months. Terms and conditions apply.
  • No credit score? No problem. If eligible, we’ll create your Cash Score instead.
  • 2% – 10% cash back at select merchants
  • See if you’re pre-approved within minutes without impacting your credit score.
  • No annual or foreign transaction fees.
  • Build credit alongside hundreds of thousands of Petal card members.
  • Petal’s mobile app makes it easy to manage your money, track your spending, and automate payments.
  • Petal reports to all 3 major credit bureaus
  • No deposits required
  • Card issued by WebBank, Member FDIC
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Annual Fee

$0

Credit Recommended

Fair/Bad/Limited/No Credit

Credit Limit

$300 – $5,000

Credit Recommended:
Fair/Bad/Limited/No Credit

on WebBank secure website.

Late Payment Fee

Late fees up to $29 for first late payment, $40 for second late payment.

Intro Rate

N/A

Intro Period

N/A

  • $0 Annual Fee
  • Variable APRs range from 23.74% – 33.24%
  • $300 – $5,000 credit limits
  • Earn a credit limit increase in as little as 6 months. Terms and conditions apply.
  • No credit score? No problem. If eligible, we’ll create your Cash Score instead.
  • 2% – 10% cash back at select merchants
  • See if you’re pre-approved within minutes without impacting your credit score.
  • No annual or foreign transaction fees.
  • Build credit alongside hundreds of thousands of Petal card members.
  • Petal’s mobile app makes it easy to manage your money, track your spending, and automate payments.
  • Petal reports to all 3 major credit bureaus
  • No deposits required
  • Card issued by WebBank, Member FDIC
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Regular APR

28.49% (Variable)

Balance Transfer Fee

$0 at this Transfer APR

Annual Fee

$0

Credit Recommended:
Limited, Bad

on Capital One® secure website.

Minimum Deposit

$200

Cash Advance APR

28.49% (Variable)

Credit Recommended Good/Excellent
0%
  • No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you’re approved in seconds
  • Put down a refundable $200 security deposit to get a $200 initial credit line
  • Building your credit? Using a card like this responsibly could help
  • Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
  • Monitor your credit score with CreditWise from Capital One. It’s free for everyone
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
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More about Student Credit Cards…

Student credit card offers and marketing have changed drastically over the past couple of years after legislation took effect that regulated some of the previous practices. Some of the changes required that applicants be evaluated on their own ability to pay their bill and also restricted banks from giving away freebies to student who fill out credit card applications on or near college campuses.

Credit cards for college students can provide a wonderful learning experience. They can also be a total disaster, leaving students with bad credit records that could haunt them years after graduation and strap them with debt. A little preparation can make all the difference.

Even before arriving at their dorms for freshman year, college students were inundated with offers for credit cards. Most of these offers are quite legitimate, since it is in the credit companies’ interest to get people committed to their services while young, in hopes that they will stay with them. Disaster can happen when students accept a card or multiple cards, use them without restraint, and then discover the nightmare of compound interest.

Learning to manage credit can be the difference between a positive experience or one with long-lasting negative effects. Having one card and using it wisely has its benefits. It provides security in case of an emergency situation and can be the first step to financial maturity. Using a credit card wisely can also help establish a good credit history, which is important for years to come. To achieve the positive experience, students should review card offers and select a card with good terms, use it carefully, and pay off purchases promptly.

CreditSoup.com can’t keep your student from buying pizza for the whole dorm, but we can help them locate some great credit card options. After that, it’s up to you to stay in communication with your student and help them manage their credit wisely.

*See online credit card application for details on the terms and conditions.