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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!

Disclosure: We pay our reviewers and we are compensated for our reviews. Click here for details.

Student Credit Card Reviews

5 stars
Discover® Student Card - Monogram Collection

Discover® Student Card - Monogram Collection TopConsumerReviews.com Best-In-Class Blue Ribbon Award

The Discover® Student Card - Monogram Collection is a student rewards credit card issued by Discover that gives you Cashback Bonus® and rewards you with 0% APR for nine months. Now, you can enjoy 5% Cashback Bonus® in fantastic categories such as gas, restaurants, department stores and more! In addition to the changing categories, you can enjoy up to an unlimited 1% Cashback Bonus® on all other purchases. This exceptional offer will never charge you an annual fee and will keep you safe and secure with $0 Fraud Liability along with mobile and email alerts. If any suspicious behavior occurs, you will automatically be notified via text or email to keep you always in the know. Now, college doesn't have to be a stressful experience, your new student rewards credit card you can buy all your school essentials and earn rewards at the same time! Read More... Visit Site

4 stars
Discover® Mix Tape Student Card

Discover® Mix Tape Student Card

The Discover® Mix Tape Student Card is a cash rewards credit card issued by Discover that is designed for hard-working college students who want to enjoy Cashback Bonus® on all purchases they make during their college experience. Now, students can enjoy 0% introductory APR on purchases for 9 months and 5% Cashback Bonus® in categories that change such as restaurants, department stores gas stations and more. And if you are stressed out during exams, at least you won't have to worry about your purchases - you'll earn up to 1% Cashback Bonus® on everything else you buy, all the time! You'll enjoy $0 fraud liability with email and text alerts to ensure your financial safety while you're living the dorm life. Choose the card that awards you for all your spending while you upgrade your education! Read More... Visit Site

4 stars
Discover® Student Card - $20 Cashback Bonus®

Discover® Student Card - $20 Cashback Bonus®

The Discover® Student Card - $20 Cashback Bonus® issued by Discover is an exceptional rewards card engineered specially for college students, that gives Cashback Bonus® on all purchases. Now, you can enjoy a $20 Cashback Bonus® after you make your first purchase during the first three months of card membership. Your Cashback Bonus® also come rolling in when you make purchases in rotating categories such as restaurants, gas, department stores and more - you'll enjoy 5% Cashback Bonus®. All other purchases will be rewarded with up to an unlimited 1% Cashback Bonus®. Aside from the unlimited Cashback Bonus® that you will enjoy, you can also take advantage of the 0% Introductory APR promotion on purchases for the first 6 months. There's $0 Fraud liability and you'll enjoy email/text alerts to ensure your financial safety. During your college semester, you can have assistance with all your many school expenses with your new Discover Cashbank Bonus rewards card! Read More... Visit Site

4 stars
Discover® Student Card - Clear

Discover® Student Card - Clear

The Discover® Student Card - Clear is a student credit card by Discover specifically engineered for students that love to earn Cashback Bonus® for their spending. College students can enjoy 5% on seasonal spending categories that change over time - these include gas, restaurants, department stores and more. On all other purchases, students can enjoy up to an unlimited 1% Cashback Bonus® on all other purchases. In addition to the extensive amount of exciting Cashback Bonus® that you will enjoy, students don't have to pay interest on purchases for the first nine months of card membership - so you can buy books and dorm essentials without the hassle of paying interest. Students can also enjoy Discover's top-notch customer service and protection programs with $0 Fraud Liability plus mobile and email fraud alert options. With your new student credit card, there's no annual fee, great rewards and Cashback Bonus® - it's an excellent offer for students! Read More... Visit Site

4 stars
Discover® Student Card

Discover® Student Card

The Discover® Student Card is a student rewards credit card by Discover that gives hard-working college students Cashback Bonus® rewards along with 0% Introductory APR for the first nine months. As a Discover Student Cardmember, you will enjoy 5% Cashback Bonus® in categories that change such as gasoline, restaurants, department stores and more! You'll also enjoy up to an unlimited 1% Cashback Bonus® on every purchase you make. During the first nine months of card membership, you can enjoy zero interest on all the purchases that you make. You can also be fully informed with $0 Fraud Liability along with mobile and email alerts to help you manage your finances. Along with other student benefits and perks - you can always enjoy $0 Annual Fee. Now is the time to take advantage of a student card that rewards you for spending and 0% introductory APR, the perfect credit card for college. Read More... Visit Site

4 stars
Citi Forward® Card for College Students

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% - 22.99% will apply afterward, based on your creditworthiness and the prime rate. Lower your APR on purchases over time when you use your credit wisely and no cosigner is required upon sign up. You can earn 100 ThankYou Points each billing period when you pay on time and stay below your credit line. Get another 1,000 points when you set up your account to receive paperless statements within the first three months. Read More... Visit Site

4 stars
Discover® Open Road Card for Students

Discover® Open Road Card for Students

The Discover® Open Road Card for Students is a student rewards credit card issued by Discover that has unique gas features that rewards hard working college students with Cashback Bonus®. The Open Road program by Discover gives cardholders double Cashback Bonus® at gas stations at restaurants, an offer that is one of the most unique programs in the market. Cardholders will also get 0% APR on all purchases for nine months! All other purchases you make will earn you 1% Cashback Bonus®. This exceptional offer also includes no annual fee and $0 Fraud liability with text and email alerts to keep you informed. Now you can visit family on the weekends or hit the road and go to the away football games. With your Discover card the possibilities are endless. Read More... Visit Site

4 stars
Discover® Student  Card - Tropical Beach

Discover® Student Card - Tropical Beach

The Discover® Student Card - Tropical Beach is a student rewards credit card issued by Discover that rewards hard working college students on their spending with Cashback Bonus® Rewards and 0% APR on purchases for nine months. You'll enjoy 5% Cashback Bonus® in categories that change such as restaurants, department stores and gas. Other rewards include up to an unlimited 1% Cashback Bonus® on everything you buy. In addition to the awesome rewards, you'll also enjoy $0 Fraud Liability along with mobile and email fraud alert options to notify you of suspicious account activity. Now, you can work, study and play with the assistance of your new student rewards credit card - with no annual fee and a great sandy beach card image, it's a great card with excellent perks! Read More... Visit Site

3 stars
Citi® Dividend Platinum Select® Card for College Students

Citi® Dividend Platinum Select® Card for College Students

The Citi® Dividend Platinum Select® 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% - 21.99% based on your credit worthiness. Accrue 5% cash back on purchases made at supermarkets, drugstores, gas stations, convenience stores and utilities for 6 months; 1% thereafter. Accrue at least 2% cash back in quarterly rotating categories such as restaurants, apparel, hotels and more upon enrollment. You will also get 1% cash back on every other purchase. Plus, no cosigner is required upon account opening. Read More... Visit Site

Medical Professionals Can Now Complete ACLS BLS Recertification Online Through One Exam
United Medical Education Consolidated the ACLS and BLS Exams Into One Accelerated Exam Course, Allowing Students to Become Certified Within an Hour
Publication Date: January 28, 2015

NewFilmmakers LA is in the Valentines Spirit With Love Themed Films
In the name of love on February 7th, 2015, NewFilmmakers Los Angeles (NFMLA) celebrates Valentine's Day during its monthly film festival at the AT&T center in Downtown LA. To kick-off the event, there will be a pre-reception and to top-off the night, in the filmmaker lounge, there will be an after party with a full bar and appetizers.
Publication Date: January 27, 2015

Future Cyber Security Army Needs More Than Just Programmers
Sera-Brynn discusses Cyber Security with Vice Pres. Biden and Secretary of Energy Moniz
Publication Date: January 22, 2015

Hacker Panic: NJIT Computing Expert Talks Cybersecurity in Light of the Recent Sony Hacking Scandal
To help reduce the risk of future data breaches, Dr. Kurt Rohloff is hard at work on groundbreaking, research-based strategies with an emphasis on encrypted data, privacy preservation technologies and protection from censorship.
Publication Date: January 14, 2015

Four Simple Ways to Improve Finances in 2015
Define Financial CEO Taylor Schulte, CFP® Shares Practical Tips for Fiscal Well-being
Publication Date: January 13, 2015

peerTransfer Secures $22M Led by Bain Capital Ventures, Achieves Profitability and on Track for $1B in Education Payment Volume
Investment to Expand International Presence and Enhance Cross-border Payment Platform
Publication Date: January 13, 2015

Real Estate Investor and Edutainer Mike Warren, to Release New Book for Entrepreneurs
Mike Warren will be releasing a new book specifically catered to entrepreneurs in a brand new niche. Mike Warren will be speaking more about his book while hosting a 2 day live event, Extreme CashFlow Workshop, which will be held in Los Angeles, CA on January 24-25, 2015.
Publication Date: January 13, 2015

DA Right Entertainment Presents the Classic, Pulitzer Prize Winning Drama, A Soldiers Play by Charles Fuller, A guest production at the Santa Monica Playhouse Main Stage
A Soldiers Play is a murder mystery that takes place on a racially segregated military base. With writing that examines the causes of oppression facing African Americans and the obstacles to their advancement, writer Charles Fuller manages to pose provocative questions about race and social issues as well as stereotypes that are still relevant today.
Publication Date: January 06, 2015

Debt Consolidation USA Shares Credit Card Payment Behaviour Of Consumers
Debt Consolidation USA recently shared in an article how consumers can learn better when it comes to using their credit cards. The article looks at consumer behavior and how they are misusing their credit cards.
Publication Date: December 31, 2014

Debt Management Credit Counseling Announces Annual Scholarship Award Winner for 2014
Debt Management Credit Counseling Corp ("DMCC") http://www.dmcconline.org (http://www.dmcconline.org), a nonprofit credit counseling organization, announces annual scholarship award to Florida Atlantic University Honors College student. DMCC has provided a scholarship award to a deserving college student for 14 consecutive years.
Publication Date: December 30, 2014

GreenPath's New Advocate Army Targets $1.2 Trillion Student Loan Debt and College Student Loans
GreenPath Debt Solutions builds a new advocacy initiative through solvecollegedebt.com and seeks help to loosen the straps on the trillion-dollar straight jacket tightening around graduates.
Publication Date: December 30, 2014

Help Tips For Savings A Down Payment
Peoples Home Equity, a Midwest based lender, offers some helpful tips on how to save or obtain a down payment for home purchase.
Publication Date: December 28, 2014

To Reduce College Costs and Improve Application Success, College Admissions Expert Offers Three Year End Holiday Stress Tips to Private University and College Applicants
Adding to holiday stress is the fact that many high school seniors throughout the country face a big deadline: completing their applications to private universities and colleges before the end of the year. Avoiding mistakes under such pressure will be key to their college admissions success, says Chelsea Watkins, founder and chief executive officer of College Application Training.
Publication Date: December 25, 2014

Pakistani Cards and Payments Sector by Timetric in New Comprehensive Research Report Published at MarketPublishers.com
New research report Pakistan's Cards and Payments Industry: Emerging Opportunities, Trends, Size, Drivers, Strategies, Products and Competitive Landscape worked out by Timetric is now available at MarketPublishers.com.
Publication Date: December 23, 2014

Travers Announces Instant Online Aviation Insurance Policy for Non-Owner, Renter Pilots and Flight Instructors
Travers and Associates rolls out premier aviation insurance policies for non owned aircraft pilots.
Publication Date: December 16, 2014

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