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Student Credit Cards Better Business Bureau Reliability Seal

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.

Continue reading below reviews

2017

Student Credit Card Reviews

5 stars
AccountNow® Gold Visa® Prepaid Card
TopConsumerReviews.com Best-In-Class Blue Ribbon Award

AccountNow® Gold Visa® Prepaid Card

Get Paid up to 2 days Faster with Free Direct Deposit ▼ - Get Your Paycheck or Benefits Checks in Your Card Account and Access Your Funds up to 2 days Earlier Than Payday.
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3 stars
USAA Secured Card® American Express® Card

USAA Secured Card® American Express® Card

USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received a discharge type of Honorable, and their eligible family members.
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3 stars
USAA Secured Card® Platinum Visa®

USAA Secured Card® Platinum Visa®

USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received a discharge type of Honorable, and their eligible family members.
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3 stars
primor® Secured Visa Classic Card

primor® Secured Visa Classic Card

Credit lines available from $200 to $5,000! Low fixed 13.99% interest rate on purchases - with no penalty rate!
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3 stars
primor® Secured Visa Gold Card

primor® Secured Visa Gold Card

Credit lines available from $200 to $5,000! Super Low Fixed 9.99% interest rate on purchases - with no penalty rate!
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3 stars
UNITY® Visa Secured Credit Card

UNITY® Visa Secured Credit Card

Unlike your Prepaid Card, UNITY Visa secured card can help you build your credit. Apply online in less than 5 minutes, and you could be approved today!
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3 stars
OpenSky® Secured Visa® Credit Card

OpenSky® Secured Visa® Credit Card

No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
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3 stars
First Progress Platinum Elite MasterCard® Secured Credit Card

First Progress Platinum Elite MasterCard® Secured Credit Card

Fund your new MasterCard® secured credit card with your tax refund today!
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3 stars
First Progress Platinum Prestige MasterCard® Secured Credit Card

First Progress Platinum Prestige MasterCard® Secured Credit Card

Fund your new MasterCard® secured credit card with your tax refund today!
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3 stars
First Progress Platinum Select MasterCard® Secured Credit Card

First Progress Platinum Select MasterCard® Secured Credit Card

Fund your new MasterCard® secured credit card with your tax refund today!
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3 stars
Excent™ Secured Visa Blue Card

Excent™ Secured Visa Blue Card

Build Credit History - Reports to all 3 nationwide credit bureaus
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2 stars
READYdebit® Visa Prepaid Card

READYdebit® Visa Prepaid Card

Instant Account Number - A Great Card for your Money.
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Continued from above

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 and credit card debt: How to manage it

Personal finance experts detail strategies to manage burdensome student loan and credit card debt. The advice is part of CBSN: Making Your Money Matter -- a special program dedicated to personal finance.

Published:  Thu, 16 Nov 2017 09:39:04 GMT



Good Credit, Bad Credit: 3 Ways Credit Scores Can Affect Students

Without student loans, you may have to rely on more expensive resources like credit cards. Getting a home loan can prove to be equally difficult for those who have bad credit. At such high loan amounts, even a slight increase in the interest rate can ...

Published:  Sun, 19 Nov 2017 12:11:00 GMT



1/3 Of Student Loan Debtors Take Out Loans For Holiday Shopping

Only 18% without student loan debt plan to take out a personal loan. Credit card statistics follow suit, as one-third of student loan debtors plan to spend more than $500 on credit cards over the holiday as compared to 22% of consumers without student loan ...

Published:  Fri, 17 Nov 2017 19:37:00 GMT



Here's How Consumers With Student Debt Struggle During the Holidays -- and What They Can Do About It

consumers with student debt are more likely to incur additional debt to pay for holiday expenses. A good 69% of borrowers say they'll be charging the holiday items they buy on a credit card, and 33% expect to accrue more than $500 in charges. Furthermore ...

Published:  Fri, 17 Nov 2017 10:38:00 GMT



4 Tips to Help Your Teen Build Credit

(See also: Best Credit Cards for Students) The credit card is usually the first product to try, but older teens may soon advance to student loans and car payments. These more substantial credit responsibilities will thicken your teen's credit profile ...

Published:  Thu, 16 Nov 2017 14:32:00 GMT



News 4 Investigates: Credit card chip readers

Traditional credit cards contain all of your account information on the bar ... Mary Ann Borney says shots were fired into her Baden home back in June of 2012 A freshman student at Southern Illinois University Edwardsville was arrested after her 2-year ...

Published:  Thu, 16 Nov 2017 18:22:00 GMT



Household debt rises by $116 billion as credit-card delinquencies pile up

Credit-card debt rose by 3.1% while home equity lines of credit, or HELOC, balances fell by 0.9%. There were small gains in mortgage, student and auto debt. Flows into credit-card and auto loans delinquencies rose, with 4.6% of credit card debt 90 days or ...

Published:  Tue, 14 Nov 2017 12:45:00 GMT



How to keep credit card debt from swallowing your finances

Laraway sees a lot of mistakes made when it comes to credit, particularly among college students. Even if all credit card debt is paid off, your score won't improve immediately. It will take months, sometimes years, but you can use that time to help ...

Published:  Wed, 15 Nov 2017 20:08:00 GMT



Best Travel Credit Cards For College Students

This article contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. For an explanation of our Advertising Policy, visit this page. While you're in college you have a lot ...

Published:  Fri, 17 Nov 2017 00:33:00 GMT



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