This CreditShout guide was last updated on April 22, 2015.
Student credit cards can be a great way for college students to start building a credit history. These cards are fairly easy to get approved for, and offer some great travel and rewards benefits. Student cards are primarily geared towards those with little to no credit history, making it very important to find the right card.Some cards targeting those with limited credit have pitfalls and hidden fine print. We are constantly sorting through hundreds of these offers, and hand select the best cards which are then included below. The student cards we try to include on this page have good rewards programs, low fees for credit cards targeted at those with limited credit, and no traps or hidden fees. Regardless, it’s always important to read the fine print before applying!

Great Rewards: Discover it® for Students


The Discover it for Students is our top pick for student credit cards because it has an excellent rewards program, a fairly low APR (for a student card) and no annual fee. The Discover it™ for Students allows you to earn 5% Cashback Bonus*in categories that change.* like travel, gas, groceries, home improvement stores and more. You can also earn additional points when you redeem them for gift certificates at selected merchants.

The lack of fees is really what sets this card apart however, there are no over-the-limit fees, and you will not be charged a fee the first time you pay late (although we highly recommend that you ALWAYS pay on time, with any credit card). Also, your APR will not be increased for paying late. On top of all of that, this card also has no annual fee, which is a big plus.

You can also choose to receive text and email alerts from Discover. This makes it easy to remember when a payment is due so you never miss a payment and will help you to build a good credit history.

Discover Student it Rewards:

  • 5% cash back at Home Improvement Stores & More on up to $1,500 in purchases from April through June 2014 when you sign up.*
  • 1% cash back on all other purchases.*
  • Click “Apply” to see rates, rewards and other information.

Overall this is a fantastic card for students. The rewards program and features are identical to the standard Discover it card which is only available to people with Excellent Credit – making this our top choice for student credit cards.