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Credit Cards For College Students

For those with no credit, international students with no SSN or even bad credit

Below is a list of student credit cards from the main credit card issuers. You can use our filters and narrow down the type of card that you want. There are also a couple of issuers that will issue cards to international students who do not have an SSN. It is a good idea for a student to start building a credit history. This will come in handy when you graduate and need to rent an apartment or take an auto loan. You should be able to find a student credit card from this list.

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Discover it Student

Annual Fee: $0 
$0 
APR: 13.74% to 22.74% *(V) 
13.74% to 22.74% *(V) 
Foreign Transaction Fee: 0% 
0% 
Intro APR (Purchase): 0% for 6 months 
0% for 6 months 
Intro APR (BT): 10.99% for 6 months 
10.99% for 6 months 
Discover has one of the best reputation for customer service and this card will appeal to students looking for a good cash back card.
 
5% cash back on rotating categories
 
$20 cash back if your GPA is 3.0 and above
 
Double your cash back during first year
 
Free FICO score
 
No foreign transaction fee
 
0% intro APR on purchases
 
US based customer service
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Discover it Chrome Student

Annual Fee: $0 
$0 
APR: 13.74% to 22.74%*(V) 
13.74% to 22.74%*(V) 
Foreign Transaction Fee:  
 
Intro APR (Purchase): 0% for 6 months 
0% for 6 months 
Intro APR (BT): 10.99% for 6 months 
10.99% for 6 months 
Discover is one of the most reputable credit card issuers and this card will appeal to student in more ways than one. You get a free FICO score to help monitor your credit and a great cash back program as well. Good students also get rewarded as you will get $20 each year if your GPA is 3.0 or better.
 
Earn Cash Back
 
Free FICO Score
 
Earn $20 each year for GPA 3.0 or higher
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Citi ThankYou Preferred For College Student

Annual Fee: $0 
$0 
APR: 14.99% to 24.99% *(V) 
14.99% to 24.99% *(V) 
Foreign Transaction Fee: 3% 
3% 
Intro APR (Purchase): 0% for 7 months 
0% for 7 months 
Intro APR (BT): N.A. 
N.A. 
This card is geared towards students who want a card to earn reward points and for those who dine out a lot. International students with a Citibank account can also apply at the branch even if you do not have SSN.
 
2X Dining Out and Entertainment
 
Reasonable APR
 
0% APR for 7 Months
 
3% Foreign Transaction Fee
 
No Credit Score Monitoring
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Capital One Journey

Annual Fee: $0 
$0 
APR: 20.74% *(V) 
20.74% *(V) 
Foreign Transaction Fee: 0% 
0% 
Intro APR (Purchase): N.A. 
N.A. 
Intro APR (BT): N.A. 
N.A. 
This card gives you 1.25% cash back on all purchases and has no foreign transaction fee (which should appeal to those of you who intend to do a semester abroad).
 
1.25% Cash Back
 
No Foreign Transaction Fee
 
Credit Line Increase After 5 timely payments
 
Free Credit Score
 
Credit Score is Vantage 3.0 rather than FICO
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BankAmericard Cash Rewards Credit Card For Students

Annual Fee: $0 
$0 
APR: 13.74% to 23.74% *(V) 
13.74% to 23.74% *(V) 
Foreign Transaction Fee: 3% 
3% 
Intro APR (Purchase): 0% for 12 months 
0% for 12 months 
Intro APR (BT): N.A. 
N.A. 
This card will suit students who actually do their own cooking and shop at groceries and wholesale clubs and those who drive and need to fill their gas tank.
 
2% cash back at grocery stores and wholesale club. 3% cash back at gas stations
 
Extra 10% cash back if you deposit cash back into a Bank of America checking or savings account
 
Free FICO Score
 
0% intro APR for 12 months
 
Cap of $2,500 quarterly on grocery store, wholesale club and gas station spending to earn the extra cash back
 
3% foreign transaction fee
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BankAmericard Travel Rewards Credit Card For Students

Annual Fee: $0 
$0 
APR: 15.74% to 24.74% *(V) 
15.74% to 24.74% *(V) 
Foreign Transaction Fee: 0% 
0% 
Intro APR (Purchase): 0% for 12 months 
0% for 12 months 
Intro APR (BT): N.A. 
N.A. 
This card is for students who want to earn points for travel. It has no foreign transaction fee so it is great for those who intend to do a semester abroad.
 
1.5X for every purchase
 
No foreign transaction fee
 
Free FICO Score
 
0% APR on purchases for 12 months
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BankAmericard Student MasterCard

Annual Fee: $0 
$0 
APR: 12.74% to 22.74% *(V) 
12.74% to 22.74% *(V) 
Foreign Transaction Fee: 3% 
3% 
Intro APR (Purchase): 0% for 15 months 
0% for 15 months 
Intro APR (BT): 0% for 15 months 
0% for 15 months 
This card has the longest intro APR for both purchases and balance transfer (15 months) and will appeal to those looking a a nice 0% deal.
 
0% Intro APR for purchases and balance transfers for 15 months
 
Free FICO Score
 
No annual fee
 
No Rewards
 
3% foreign transaction fee
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Wells Fargo Cash Back College Visa

Annual Fee: $0 
$0 
APR: 12.15% to 22.15% *(V) 
12.15% to 22.15% *(V) 
Foreign Transaction Fee: 3% 
3% 
Intro APR (Purchase): 0% for 6 months 
0% for 6 months 
Intro APR (BT): 0% for 6 months 
0% for 6 months 
 
3% cash back on gas, grocery and drugstore for 6 months
 
No annual fee
 
Free credit score
 
3% foreign transaction fee
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SelfScore Achieve MasterCard

Annual Fee: $0 
$0 
APR: 19.74% *(V) 
19.74% *(V) 
Foreign Transaction Fee: 0% 
0% 
Intro APR (Purchase): 0% for 15 months 
0% for 15 months 
Intro APR (BT): 0% for 15 months 
0% for 15 months 
International students who have not yet gotten a SSN should consider this card as they do not require a SSN. Instead, you will need your I-20, bank account, passport instead.
 
1% cash back on all purchases
 
No foreign transaction fee
 
No SSN required
 
No annual fee
 
No security deposit
 
No rewards
 
No free score monitoring
 
Only for international students
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SelfScore Classic MasterCard

Annual Fee: $0 
$0 
APR: 19.74% *(V) 
19.74% *(V) 
Foreign Transaction Fee: 0% 
0% 
Intro APR (Purchase): N.A. 
N.A. 
Intro APR (BT): N.A. 
N.A. 
This is another card from Selfscore that is only for International students in the US who do not have a SSN. You do need your I-20, a US bank account and your passport to apply. If you pay on time always, you will be upgraded to the Achieve card which lets you earn cash back.
 
No SSN required
 
No annual fee
 
No foreign transaction fee
 
No deposit required
 
No rewards
 
Only for international students
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State Farm Student Visa

Annual Fee: $0 
$0 
APR: 12.24% to 19.24%*(V) 
12.24% to 19.24%*(V) 
Foreign Transaction Fee: 3% 
3% 
Intro APR (Purchase): N.A. 
N.A. 
Intro APR (BT): N.A. 
N.A. 
State Farm might be worth taking a look if you actually use State Farm as your insurance. As a student, I can only think of auto insurance as something you might be paying yourself. Otherwise, give this card a skip.
 
Earn 3X on State Farm Insurance Payments
 
Reward program not good
 
Earn only 1X for every $2
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