The Discover® Student Card is our top pick for student credit cards because it has an excellent rewards program, a fairly low APR (for a student card) 14.99% variable, and no annual fee. The Discover Student Card allows you to earn up to 5% cash back on groceries, gas, travel and at restaurants. You can then double your points if you cash them in for gift certificates at selected merchants, effectively earning 10% back on your purchases.

If your looking for a student credit card that allows you to earn great rewards, and build your credit without hitting you with an annual fee – this is the best card out there.

• Earn up to 5% cash back on every day purchases.
• Earn 1% cash back on all other purchases.
• Earn a 5% – 20% cash back bonus by shopping online through the ShopDiscover store.
• No Annual Fee.
• 0% intro APR for the first 6 months.

The Citi mtvUTM Platinum Select Visa Card is an excellent student credit card that offers an innovative rewards system for students who are looking to build a credit history. This card rewards students with more points if they get good grades. These points can then be redeemed for a variety of rewards such as concert tickets, gift certificates, airline tickets and more.

• Earn up to 5% cash back on every day purchases like fast food, bookstores, music stores, video rental stores and movie theaters.
• Earn rewards for maintaining a good GPA.
• Earn rewards for paying your bill on time.
• No Annual Fee.
• 0% intro APR for the first 6 months.