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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

National Foundation for Credit Counseling Acquires Student Loan Alliance
Acquisition will create largest national nonprofit network of certified student loan counselors.
Publication Date: March 30, 2015

Hancock Holding Company Announces Five-State Financial Literacy Partnership
GULFPORT, Miss., March 24, 2015 /PRNewswire/ -- With National Financial Literacy Month starting April 1, one of America's strongest banks and one of the nation's leading education technology companies ...
Publication Date: Tue, 24 Mar 2015 08:08:00 -0700

Calendar: NMSU program educates students on financial literacy
LAS CRUCES >> New Mexico State University's Red to Green Money Management Program and Career Services will host their annual Financial Literacy Fair from 10 a.
Publication Date: Mon, 30 Mar 2015 00:42:20 -0700

American Consumer Credit Counseling Participates in National Consumers Leagues LifeSmarts Event
Local students face off in a Jeopardy-style competition to test their knowledge on topics such as personal finance and consumer rights
Publication Date: March 27, 2015

Federal Reserve System: 3 Things To Know Ahead Of Janet Yellen Speech, FOMC Statement
Financial markets are bracing for a highly anticipated announcement from the U.S. Federal Reserve Wednesday that will shed light on when the central bank plans to increase interest rates. The Fed has held rates at historic lows since the financial crisis in 2008 to help the economy emerge from the recession. But after nearly seven years those abnormally low interest rates have taken their own ...
Publication Date: Wed, 18 Mar 2015 05:46:13 -0700

How To Program Your Mind To Stop Buying Crap You Don't Need
We all buy things from time to time that we dont really need. Its OK to appeal to your wants every once in a while, as long as youre in control. If you struggle with clutter, impulse buys and buyers remorse, heres how to put your mind in the right place before you even set foot in a store. More
Publication Date: Mon, 09 Mar 2015 22:45:27 -0700

FCA bans Rabobank trader over fraud
A former senior trader at Rabobank is banned from working in the City following a US criminal conviction for interest rate-rigging.
Publication Date: Tue, 17 Mar 2015 09:35:44 -0700

5 Tips for Passing a Personal-Finance Stress Test
As the Federal Reserve prepares to announce the results of this years stress tests on the nations largest banks Wednesday, we offer the following five stress tests for your own finances.
Publication Date: Thu, 12 Mar 2015 16:22:00 -0700

Things to consider before buying a home
Are you thinking about buying a new home? Without a doubt, being a new homeowner is an exciting time. For many, it signals independence and laying down important roots. While emotionally you may feel prepared to buy a home, its important to know if you are ready financially. Go through this six step checklist to...
Publication Date: Sun, 08 Mar 2015 16:15:27 -0700

4 first timer mistakes
Buying a first home is an exciting time. But it is all too easy to get caught up in the excitement and end up overpaying or buying a home that just isnt right. If youre a first-time home buyer, here are some common traps to watch out for.
Publication Date: Sun, 08 Mar 2015 10:38:36 -0700

With Expected Rise in Home Sales, American Consumer Credit Counseling Shares the Top 5 Things Every First Time ...
National non-profit ACCC gives Americans the advice that they need in order to prepare for first time homeownership.
Publication Date: Mon, 02 Mar 2015 02:08:02 -0800

Watch: U.S. Household Net Worth Hits Record High
Americans' combined wealth climbs to $83 trillion during the last 3 months of 2014.
Publication Date: Fri, 13 Mar 2015 07:59:13 -0700

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