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College Student Credit Cards With No Credit

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 credit card that you want. There are also a couple of issuers that will issue credit cards to international students who do not have an SSN. It is a good idea for a student to start building a credit history and getting a student credit card is one of the easiest ways to do so. 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.

AskMrCreditCard.com's Best Student Credit Cards For 2019

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Deserve Edu

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Annual Fee:  
 
APR:  
 
Foreign Transaction Fee:  
 
Intro APR (Purchase):  
 
Intro APR (BT):  
 
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Discover it Student

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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% - 6m 
0% - 6m 
Intro APR (BT): 10.99% - 6m 
10.99% - 6m 
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Discover it Chrome Student

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Annual Fee: $0 
$0 
APR: 13.74% to 22.74%*(V) 
13.74% to 22.74%*(V) 
Foreign Transaction Fee:  
 
Intro APR (Purchase): 0% - 6m 
0% - 6m 
Intro APR (BT): 10.99% - 6m 
10.99% - 6m 
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Citi ThankYou Preferred For College Student

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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% - 7m 
0% - 7m 
Intro APR (BT): N.A. 
N.A. 
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Journey® Student Credit Card From Capital One

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Annual Fee: $0 
$0 
APR: 26.99% *(V) 
26.99% *(V) 
Foreign Transaction Fee: 0% 
0% 
Intro APR (Purchase): N.A. 
N.A. 
Intro APR (BT): N.A. 
N.A. 
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Bank of America® Cash Rewards for Students

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Annual Fee: $0 
$0 
APR: 16.24% to 26.24% *(V) 
16.24% to 26.24% *(V) 
Foreign Transaction Fee: 3% 
3% 
Intro APR (Purchase): 0% -12m 
0% -12m 
Intro APR (BT): N.A. 
N.A. 
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Bank of Ameica® Travel Rewards Credit Card for Students

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Annual Fee: $0 
$0 
APR: 17.24% to 25.24% *(V) 
17.24% to 25.24% *(V) 
Foreign Transaction Fee: 0% 
0% 
Intro APR (Purchase): 0% - 12m 
0% - 12m 
Intro APR (BT): N.A. 
N.A. 
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BankAmericard® Credit Card for Students

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Annual Fee: $0 
$0 
APR: 15.24% to 25.24% *(V) 
15.24% to 25.24% *(V) 
Foreign Transaction Fee: 3% 
3% 
Intro APR (Purchase): 0% (15m) 
0% (15m) 
Intro APR (BT): 0% (15m) 
0% (15m) 
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Wells Fargo Cash Back College Visa

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Annual Fee: $0 
$0 
APR: 13.40% to 23.40% *(V) 
13.40% to 23.40% *(V) 
Foreign Transaction Fee: 3% 
3% 
Intro APR (Purchase): 0% - 6m 
0% - 6m 
Intro APR (BT): 0% - 6m 
0% - 6m 
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State Farm® Student Visa®

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Annual Fee: $0 
$0 
APR: 17.49% to 29.49%*(V) 
17.49% to 29.49%*(V) 
Foreign Transaction Fee: 3% 
3% 
Intro APR (Purchase): N.A. 
N.A. 
Intro APR (BT): N.A. 
N.A. 
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expand text FAQS

What makes a good student credit card?

A good credit card for college student will have the ideal characteristics:

  1. No Annual Fee - As a student, your budget is tight and you should be trying to minimize unnecessary expenses. The credit card you choose should have no annual fee.
  2. Rewards - Your credit limit may be small (probably about $500) for college students who get a credit card. So you won't be earning a lot of points or cash back. But having rewards is a perk that you should get.
  3. No Foreign Transaction Fee - Many colleges offer study abroad semester programs and many of you will actually take advantage of it. When you do abroad, you should definitely carry a credit card and you will want one with no foreign transaction.
  4. Student-specific Benefits - Some cards give you extra points, rewards or cash back for having good grades or achieving a certain GPA. I think cards like that are great for helping to incentivize you to study harder!
  5. Free FICO score - Some issuers provide a you with your FICO score for free from one of the major credit bureaus. In my opinion, this is really important since I think it is very important that students get into the habit of monitoring their FICO scores.
  6. User-friendly Apps - Most major credit card issuers have apps that allow you to monitor your accounts, make payments etc. While you think this should be taken for granted in today's connected world, the reality is that there are still many banks who are behind the curve. That is the reason our recommendations are mainly from well-known mainstream credit card issuers.

Our Comments the Student Credit Cards We have Chosen

Discover it® Students

- We like Discover as a credit card issuer because they have excellent customer service. This card has a cash back program which will appeal to many students. You can earn 5% cash back on certain spending categories (which changes every three months). This is termed as rotating category in the industry. You will earn 1% for regular spending and purchases. Discover will double the cash back you earn during your first year.

Discover also has a fantastic app and they also give you access to your FICO score for free. If you get a GPA of 3.0 or above, you will also get a $20 statement credit. Because this card is similar to the regular Discover it, nothing will change when you graduate from college and you do not need to apply for a separate Discover card.
 

Discover it® Chrome for Student

- The Discover it® Chrome for Student is also a cash back credit card. You will earn 2% cash back at gas stations and restaurants (up to $1,000 per quarter). This card is so useful since many of you eat out as students and it is nice to earn extra cash back at restaurants.

This card also have good grades rewards where you can get a $20 statement credit every year (for 5 years) that you achieve a GPA of 3.0 and above. You also get your free FICO score.
 

Journey Student Rewards from Capital One

- The Journey Student Rewards from Capital One hits most of our criteria for being a good credit card for college students. It has no annual fee and you can earn 1% cash back on all purchases. Furthermore, if you pay on time, you will get an extra 0.25% cash back making this a 1.25% cash back card. This is a very nice incentive for you all to pay on time.

This card also has no foreign transaction fee and it actually makes for an ideal card for those of you who intend to do a semester abroad because it is also a Mastercard (which is almost universally accepted worldwide).

This card will also very likely increase your credit line after you have paid on time for your first 5 monthly bills.
 

BankAmericard Travel Rewards Credit Card for Students

- The BankAmericard Travel Rewards Credit Card for Student is another great card. It has no annual fee and allows you to earn 1.5X reward points. For those looking to use this card when you are studying abroad, there is no foreign transaction fee and it is also a Visa (which is accepted universally).
 

Best College Student Credit Cards For 2019 - Recap

 

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