Best Student Credit Cards Of 2023
Are you headed for college and looking for the best student credit cards of 2019 that can make your college experience more rewarding?
Choosing from the arrays of credit cards out there in the market can be a little tough which is why we’ve compiled a list which you can choose from. The credit cards outlined here are top picks and they are from reputable credit card issuers and offer rewards on purchases as well as special perks for students.
- Discover It Student Cash Back (Best Overall)
- Deserve EDU MasterCard for Students (Best for International Students).
- Journey Student Rewards from Capital One (Best Flat-Rate Rewards)
- Discover it Chrome for Students (Best Dining and Gas Rewards)
Discover it Student Cash Back (Best Cash Rewards for Students)
Bright Sides
This card pays you 5% cash back on purchases in categories that rotate each quarter and 1% back on everything else.
You are required to sign up to earn the 5% cash back in the bonus categories. You must enroll before the beginning of the quarter to ensure access to the bonus all quarter long.
Once you keep your card active and in good standing, Discover will match at the end of the year all the cashback you’ve earned at the end of your first year.
Earn a $20 cashback bonus each school year for the next five years if you keep your GPA at 3.0 or higher. The Freeze offers a feature that enables you to turn your credit card on and off, with monthly access to your FICO score to keep you on top of your credit rating.
Downsides
Balance transfers posted to your account at the regular APR are charged a higher fee.
- Minimum Credit Needed: Good
- Annual Fee: $0
- Intro APR: 0% on purchases for six months: 10.99% on balance transfers for 6 months.
- Ongoing APR: 15.24% – 24.24% variable
- Balance Transfer Fee: 3% of the transfer amount that posts to your account by November 10, 2019: 5% of the transfer amount after that.
- Cash Advance Fee: $10 or 5% of the cash advance amount
- Foreign Purchase Transaction Fee: None
- Signup Bonus: None
Deserve EDU MasterCard for Students (Best for International Students)
Bright Sides
Deserve EDU MasterCard is a great option for international students.
Upon approval, Deserve EDU MasterCard pays 1% unlimited cashback on all purchases made on the credit card. It does not require a social security number for approval. All you need, is proof of a U.S. bank account balance, passport ID, Student Visa, and 1-20 Form.
Upon approval, you earn 1% unlimited cash back on all purchases using the credit card.
If you can use the Deserve EDU MasterCard wisely, you stand a chance of becoming eligible for the Deserve Pro MasterCard. With this upgrade, you get paid 3% cash back on travel and entertainment. 2% back on restaurants, and 1% back on all other purchases.
Downsides
No cash advance option, which can get you stuck if you need to get cash in an emergency.
- Minimum Credit Needed: Average
- Annual Fee: $0
- Intro APR: None
- Ongoing APR: 20.74% variable
- Balance Transfer Fee: N/A
- Cash Advance Fee: N/A
- Foreign Purchase Transaction Fee: None
- Signup Bonus: None
Best Student Credit Cards: Journey Student Rewards from Capital One (Best Flat-Rate Rewards)
Bright Sides
The Journey card pays 1% cashback on all purchases.
Cashback can be boosted up to 1.25% each month if you make your payment on time.
Good credit card behavior enables you to earn another reward, which is a potential credit limit increase. Once your first five payments are on time, you stand a chance for a credit limit increase.
You can choose your own due date, to make it easier for you to make timely payments.
Downsides
Journey Student Rewards from Capital One has a high APR, which makes carrying a credit card balance expensive.
- Minimum Credit Needed: Good
- Annual Fee: None
- Intro APR: None Offered
- Ongoing APR: 26.99%
- Balance Transfer Fee: None
- Cash Advance Fee: $10 or 3% of the cash advance
- Foreign Purchase Transaction Fee: None
- Signup Bonus: None.
Best Student Credit Cards: Discover It Chrome for Students (Best for Dining and Gas Rewards)
Brightside
If you spend a lot on dining and gas as a student, you earn 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter.
Get 1% on everything else.
No sign-up is required for purchases to earn at a higher rate.
You can earn $20 cashback each school year if your GPA is 3.0 or higher, for up to the next five years.
Downsides
Balance transferred at the regular APR is charged a higher fee and the 2% rewards bonus is at $1,000 each quarter, which is about $334 in monthly dining as well as gas spending.
- Minimum Credit Needed: Good
- Annual Fee: None
- Intro APR: 0% on purchases for 6 months: 10.99% on balance transfers for 6 months
- Ongoing APR: 15.24% – 24.24% variable
- Balance Transfer Fee: 3% of transfers that post to your account by November 10, 2019: 5% of the transfer amount that posts at the regular APR
- Cash Advance Fee: $10 or 5% of the cash advance
- Foreign Purchase Transaction Fee: None
- Signup Bonus: None.
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