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      January 19, 2018

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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

2018

Student Credit Card Reviews

5 stars
AccountNow® Gold Visa® Prepaid Card

Visit Site 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.
  • No CreditCheck to Get a Card. No ChexSystems Check. No Existing Bank Account Required.
  • $0 Activation fee†. No Minimum Balance. No risk of Overdraft fees.
  • $15 Bonus§ with qualifying Direct Deposit. Never pay to cash your paychecks and get your pay faster.
  • Use it Everywhere Visa Debit Cards are Accepted and Pay Anyone with PayAnyone Bill Pay. Shop Online, Rent a Car, Pay Your Rent and More.
  • Easy Mobile Account Access and Text Alerts. Get Your Account Balance, Transaction Details Sent to Your Phone within Seconds
  • BBB Accredited A+ Company. Excellent Customer Service.
TopConsumerReviews.com Best-In-Class Blue Ribbon Award

Most Attractive Features:
  • No credit check, minimum balance, free direct deposit.
Least Attractive Features:
  • Fees and usage limits.

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3 stars
USAA Secured Card® American Express® Card

Visit Site 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.
  • It's a real credit card - not a prepaid or debit card, that helps you build or improve your credit score.
  • When you apply - you'll also be opening a USAA 2-year Certificate of Deposit (CD), an interest-earning deposit account that has a two-year term and a $250-minimum initial deposit.
  • Your CD is a security deposit - the money you put in upfront, from $250 to $5,000, is the card's credit limit.
  • Earn interest on your CD - your deposit is guaranteed to grow. Plus the money is yours to keep as long as you don't default on your payments.
  • Start building your credit - opening a CD lets you get a credit card even if you don't have a credit history or have bad credit.
  • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.

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3 stars
USAA Secured Card® Platinum Visa®

Visit Site 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.
  • It's a real credit card - not a prepaid or debit card, that helps you build or improve your credit score.
  • When you apply - you'll also be opening a USAA 2-year Certificate of Deposit (CD), an interest-earning deposit account that has a two-year term and a $250-minimum initial deposit.
  • Your CD is a security deposit - the money you put in upfront, from $250 to $5,000, is the card's credit limit.
  • Earn interest on your CD - your deposit is guaranteed to grow. Plus the money is yours to keep as long as you don't default on your payments.
  • Start building your credit - opening a CD lets you get a credit card even if you don't have a credit history or have bad credit.
  • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.

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3 stars
primor® Secured Visa Classic Card

Visit Site 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!
  • No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
  • Helps strengthen your credit with responsible card use. Reports to three national bureaus
  • Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.

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3 stars
primor® Secured Visa Gold Card

Visit Site 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!
  • No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
  • Helps strengthen your credit with responsible card use. Reports to three national bureaus
  • Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.

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3 stars
UNITY® Visa Secured Credit Card

Visit Site 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!
  • No Minimum Credit Score required; low fixed interest rate of 17.99%; Fully refundable FDIC security deposit* required at time of application; if you have a min of $250 to deposit immediately, you can start now!
  • No application fee or penalty rate
  • Monthly reporting to all 3 major credit bureaus
  • 24/7 online access to your account
  • *See the Cardholder Agreement for more details.

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3 stars
OpenSky® Secured Visa® Credit Card

Visit Site OpenSky® Secured Visa® Credit Card

  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search "OpenSky Card" in Facebook.)
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card.

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3 stars
First Progress Platinum Elite MasterCard® Secured Credit Card

Visit Site First Progress Platinum Elite MasterCard® Secured Credit Card

  • Fund your new MasterCard® secured credit card with your tax refund today!
  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 - $2,000 Submitted with Application
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • 24/7 Online Access to Your Account

The First Progress Platinum Elite MasterCard® Secured Credit Card from First Progress helps you establish or rebuild your credit. This is an authentic Platinum MasterCard that does not look at your credit history or credit score. Begin the easy online application and get fast approval to the card that will put you on track to establishing the credit you deserve.

No credit history, no minimum credit score required: Since this is a secured credit card, you can get approved even if you have a limited or less than ideal credit history. Get approved fast and receive your card more quickly by applying online through the new expedited processing option.

Reporting to major credit bureaus: What's great about The First Progress Platinum Elite MasterCard® Secured Credit Card is that your efforts to establish credit will be reported to the three major credit bureaus every month. These monthly reports recognize your attempts to build credit and are important in helping you establish a credit history in good standing.

Refundable security deposit: When you apply, you'll also submit a security deposit between $300 - $2,000. This fully refundable deposit secures your credit line. Once you are a card member and have your balance paid off, you can get your deposit back whenever you close the account.

Platinum MasterCard reputation: As an authentic credit card, The First Progress Platinum Elite MasterCard® Secured Credit Card carries worldwide MasterCard recognition. It's a full-featured Platinum MasterCard® Secured Credit Card good anywhere credit cards are accepted. Whether you're paying for groceries, looking to rent a car, or even booking a hotel, you'll know you're building credit the right way!

The First Progress Platinum Elite MasterCard® Secured Credit Card lets you enjoy a true credit experience, including 24/7 online account access. Remember, there is no credit history or minimum credit score required for approval, making it easy for you to establish the credit you need. The card is part of a nationwide program, so join countless others on their journey to establish credit and apply today for The First Progress Platinum Elite MasterCard® Secured Credit Card!

Most Attractive Features:
  • Up to $2,000 credit limit with security deposit (completely refundable on paid accounts) and low APR for a card of this nature
Least Attractive Features:
  • Security deposit does not earn interest, no introductory APR available

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3 stars
First Progress Platinum Prestige MasterCard® Secured Credit Card

Visit Site First Progress Platinum Prestige MasterCard® Secured Credit Card

  • Fund your new MasterCard® secured credit card with your tax refund today!
  • Our card reports monthly to all three major bureaus and approval is based upon a fully-refundable security deposit.
  • We can approve you at any credit score, no minimum required.
  • No processing or application fees required.
  • Full-featured Platinum MasterCard, accepted for car rentals, hotels, and millions of other locations worldwide.
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 - $2,000 Submitted with Application
  • Nationwide Program though not yet available in NY, IA, AR, or WI

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3 stars
First Progress Platinum Select MasterCard® Secured Credit Card

Visit Site First Progress Platinum Select MasterCard® Secured Credit Card

  • Fund your new MasterCard® secured credit card with your tax refund today!
  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 - $2,000 Submitted with Application
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • 24/7 Online Access to Your Account

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3 stars
Excent™ Secured Visa Blue Card

Visit Site Excent™ Secured Visa Blue Card

  • Build Credit History - Reports to all 3 nationwide credit bureaus
  • Low Fixed Interest Rate - 13.99% APR on purchases, with no penalty rate.
  • Guaranteed Approval - As long as your monthly income exceeds expenses by at least $100.*
  • No Processing or Application Fees

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2 stars
READYdebit® Visa Prepaid Card

Visit Site READYdebit® Visa Prepaid Card

  • Instant Account Number - A Great Card for your Money.
  • Free† Direct Deposit — Paycheck, Benefit Checks, Tax Refund Checks
  • Easy Online Bill Payment & Mobile Account Access
  • No Purchase Transaction Fees
  • No Risk of Overdraft Fees or Balance Minimums
  • Withdraw Cash at ATMs or Get Cash Back with Purchases
  • Use it Everywhere Visa Debit Cards are Accepted
  • Choose Your Card Color - Blue or Pink

Most Attractive Features:
  • No credit check
Least Attractive Features:
  • Fees and usage limits

Visit Site

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!

How to Use Personal Loans to Refinance Student Loans

Refinancing that debt is a move that can help to alleviate the financial pressure of student debt. Just like we've seen people use personal loans to great effect to refinance their credit cards and consolidate other types of debt, you can use one to ...

Published:  Wed, 17 Jan 2018 09:16:00 GMT



How to Save Money While Paying Off Student Loans

If you have a credit card or loan with a higher interest rate ... Spend money only on the things you need, not the things you want but can live without. Most student loan payments are preset, but if you pay as little as ten dollars extra per month ...

Published:  Thu, 18 Jan 2018 15:55:00 GMT



Some credit card users STILL charged fees after ban

In other places credit card users have been wrongly warned they'll be charged fees - even though they haven't actually been in practice. The Student Loan Company had a message on its website on Monday saying it charged a surcharge for payments made on ...

Published:  Mon, 15 Jan 2018 00:00:00 GMT



13% of Americans Think Credit Card Debt Is the Good Kind to Have

In other words, student loans have the ability to deliver a solid return ... On the other hand, if there's one shining example of bad debt, it's credit card debt. Bad debt won't help you earn money or provide any sort of return on investment.

Published:  Tue, 16 Jan 2018 04:16:00 GMT



Resolutions to pay off debt Consumers owe more than ever on credit cards

New reports indicate that consumer credit card debt is now about $1 trillion. Of course, people have others kinds of debt, such as mortgages and an alarming number of young people are facing huge amounts of student loan debt. Still, for many people ...

Published:  Tue, 16 Jan 2018 15:15:00 GMT



Purdue Grand Prix pre-sale tickets available now; credit cards accepted

Pre-sale tickets for the 61st Purdue Grand Prix on April 21 are now available and, for the first time, can be purchased using credit or debit cards. Tickets purchased ... The Grand pPrix raises money for student scholarships. Each year, the foundation ...

Published:  Thu, 18 Jan 2018 09:52:00 GMT



What is Student Debt Like in North Dakota

Sticking to monthly loan repayments will keep students' credit scores healthy. The use of credit cards aimed at benefiting students can also help them to start building a good credit score. These often come with low credit limits to thwart the ...

Published:  Sun, 14 Jan 2018 17:46:00 GMT



Police: Suspect used stolen credit cards in Trumbull, Greenwich

Police in Darien have arrested two people in a narcotics bust involving high school students. Police in Darien have arrested two people in a narcotics bust involving high school students. Police in Fairfield are looking for the man they say robbed a Stop ...

Published:  Wed, 17 Jan 2018 03:36:00 GMT



Man Admits He Took Out Student Loans To Help Fund Murder-Rapping Clown Project

He says he borrowed the money from his wife, Melissa, but she claims he stole it, using her credit cards without her knowledge or consent. Nick admits he financed his King Krimzon persona as well as a monster-making business in part, by taking out student ...

Published:  Thu, 18 Jan 2018 01:56:00 GMT



Raspberry Pi DIY workshop teaches students how to use customizable, versatile minicomputers

This month, 15 Johns Hopkins students are learning the ins and outs of a versatile device capable of these and infinitely more functions: the Raspberry Pi, a small, green single-board computer capable of fitting inside an Altoids tin. Raspberry Pi is a ...

Published:  Thu, 18 Jan 2018 12:52:00 GMT



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