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!
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:
- 0% Intro APR* on purchases for 6 months. Then the variable purchase APR applies, currently 12.99% – 21.99%.
- Generous… 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
- Unlimited 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.