Best Student Credit Cards for 2015

Reviews of the best rewards credit cards for college students

Finding the best credit cards aimed at college students can help make your college experience both more affordable and more rewarding.

College offers students new opportunities every day. New friendships are forged, careers are chosen and independence blossoms. This is the perfect time to begin building your credit and learn money management skills that will serve you for life, too. Every purchase from books to pizza can help establish the type of credit score needed to purchase your future car or home.

​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. This is why we are constantly sorting through hundreds of these offers, and hand select the best student credit cards, which are then reviewed below.

Unfortunately, there is a trend in the last few years to cut back or discontinue rewards cards aimed at college students. But there are still some available.

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!

We also recommend using your student credit card responsible. It can be a great way to build credit and qualify for even superior rewards cards when you graduate.


Our Top Picks

Capital One® Journey Student Rewards Card

Top Student Rewards Cards Compared

CreditShout Rating:


Annual Fee: $0

Credit Required: Average

Rewards Program and Signup Bonuses*:

  • ​Earn 1% cash back on all purchases, plus a 25% bonus on the cash back you earn each month you pay on time, for a total of 1.25% cash back.
  • There’s no limit to the amount of cash back you can earn, and rewards don't expire.
  • Get access to a higher credit line after making your first 5 monthly payments on time.
  • Fraud coverage if your card is lost or stolen.
  • Pick the monthly due date that works best for you.
  • Free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker.
  • Pay no annual or foreign transaction fees.

Intro APR


Intro Balance Transfer

N/A, But No Transfer Fee

Regular APR

19.8% Variable

Read Our Complete Review

Discover it® for Students

Capital One Journey vs. Discover it Student Credit Cards

CreditShout Rating


Annual Fee: $0

Credit Required: Average​

Rewards Program and Signup Bonuses*:

  • Choose either Rotating Rewards (5% cash back on your first $1,500 for rotating categories), or Chrome (2% back on restaurants and gas)
  • 1% Cash Back on all other Purchases (including purchases over quarterly maximums)
  • 0% APR on New Purchases for 6 months*
  • No annual fee.* No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
  • Track your recent FICO® Credit Scores for free.
  • New Freeze It℠ on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.* 
  • New card members can double their cash back for the first year!
  • Earn a $20 bonus for good grades (just maintain a 3.0 GPA)

Intro APR

0% APR for 6 Months

Intro Balance Transfer


Regular APR

12.99% - 21.99% Variable

Read the Complete Review

Capital One Journey vs. Discover it for Students

Comparing the Capital One Journey Student Rewards card and Discover it for Students is no easy task.

Both of these cards offer great benefits to college student and will help you build credit for the future. And earn some cash back while you are at.​

But what really sets these cards apart from the completion is the lack of fees, including no annual fees and no foreign transaction fees.

Both of these credit cards are fantastic choices for college students. 

What Sets Journey Apart

Quickly, what we think set the Capital One Journey card apart from the Discover card are:

  • ​Our research shows it is easier to qualify (especially if you attend a 2-year college).
  • 19.8% Variable APR available for all applicants.
  • No need to keep track of rotating rewards categories geared towards working adults.
  • No balance transfer fee.

What Sets Discover it Apart

On the flip side, there are some things we prefer about Discover it for Students to the Journey student card:

  • ​Introductory 0% APR offer on new purchases.
  • First year and good grade cash bonus offers.
About the author


Kevin founded CreditShout in 2008 to help people manage their credit and finances. He wants to make it easy for anyone, regardless of their level of financial knowledge to understand credit cards and what may seem like the complex world of personal finance. | Author Google+