Student Credit Cards

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Obtaining a credit card while in college provides a number of benefits to those entering the adult world. Whether you need to learn how to budget money, need a convenient way to pay bills, or start building a solid credit history, student credit cards are a great way to do all that and more.

Student credit cards typically have low spending limits, but building that credit history starts immediately. And a good credit history is important later for getting car loans and eventually a mortgage. A student credit card can also be a lifesaver if a financial or personal emergency comes up when you're otherwise short on cash. And let's not forget the convenience of using a student credit card versus always searching for an ATM machine when you're low on time.

When looking for a student credit card, there are a number of factors you should consider. Some of these include:

Annual fees. Many student credit card companies charge no annual fees for those in school. However it's imperative to read the fine print and understand what charges you may or may not incur.
Interest rates. Credit cards are a great way to build credit but there's a cost associated with borrowing money. Consider what the annual APR is with any credit card you consider before applying. If you plan paying off your credit card every month, then the interest rate isn't a factor but should something come up it's good to know what the charges will be.
Penalties. Credit card companies make money when your payment is late or when you go over the credit limit. Understand what penalties exist with any credit card you're considering.

TopConsumerReviews.com has reviewed and ranked the best student credit cards available today. We hope these reviews help you find the right student credit card and begin building your credit history today!

Student Credit Card Reviews

Citi® Dividend® Card for College Students

The Citi® Dividend® Card for College Students, issued by Citibank, is a cash back rewards credit card for students who want to maximize their earning potential with great possibilities. Citi helps you get started with a 0% introductory APR on purchases for 7 months. Afterward, your APR will be between 13.99% - 23.99% variable based on your creditworthiness. Earn bonus cash back each quarter on new must-have categories- like department stores, travel and more, with enrollment. Earn a full 1% cash back on all other purchases. There is no annual fee. Apply today for the Citi® Dividend® Card for College Students! Read More...

Discover it® for Students

The Discover it® for Students is a student rewards card that will change the way you think about credit cards. You will be granted a 0% intro APR on purchases for 6 months. Enjoy not having to pay any annual fee, no overlimit fee and no foreign transaction fee. You will also not be charged any late fee on your first late payment nor will your APR increase due to not paying on time. The Discover it® for Students also comes with a cash back program which allows you to earn 5% cash back in categories that change throughout the year like gas, restaurant, movies, and more up to $1,500 in purchases with free and easy sign-up. Receive 1% cash back on all other purchases and enjoy your own Cashback Concierge^SM, who guides a free, personalized online tour to help you get the most rewards for how you use your card. Plus, this card comes with a $0 Fraud Liability Guarantee. Apply for it today!! Read More...

Citi Forward® Card for College Students

The Citi Forward® Card for College Students, issued by Citibank, is a rewards credit card for college students who want to reduce their purchase APR and enjoy savings at any chance they get. Start saving with a 0% introductory APR on purchases for the first 7 months of membership. A variable APR between 13.99% - 23.99% will apply afterward, based on your creditworthiness. APR reduction on purchases when using credit wisely. You can earn 100 ThankYou Points each billing period when you pay on time and stay below your credit line. Read More...

Discover it® for Students with $20 Cashback Bonus

The Discover it® for Students with $20 Cashback Bonus card is a student rewards card that will change the way you think about credit cards. In addition to giving you a $20 Cashback Bonus® when you make your first purchase within the first 3 months of approval, this card also offers no annual fee, no overlimit fee, no foreign transaction fee and no pay-by-phone fee. You will not be charged a late fee on your first late payment, nor will your APR be increased for paying late. The Discover it® for Students with $20 Cashback Bonus card even comes with a cash back program that allows you to earn 5% cash back in categories that change throughout the year on up to $1,500 in purchases with free and easy sign-up each time. Receive 1% cash back on all other purchases and enjoy your own Cashback Concierge^SM who guides a free, personalized online tour to help you get the most rewards for how you use your card. Apply for it today!! Read More...

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