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Best Student Credit Cards Of December 2024

These cards offer a blend of low fees, practical rewards, and educational resources to help you build a strong financial foundation. Whether you’re looking to earn cash back on everyday purchases, enjoy interest-free periods, or gain valuable credit-building tips, our comprehensive guide helps you navigate the options and find the card that best suits your lifestyle and financial goals.

Editorial Note: Our editors’ opinions and evaluations remain unaffected by the commissions we earn from partner links on Abeut.

Best Student Credit Cards

Best Student Credit Cards

BEST CASH REWARDS

Capital One SavorOne Student Cash Rewards Credit Card

Apply Now
On Capital One’s secure website
Capital One SavorOne Student Cash Rewards Credit Card

Credit Propose

5.0

Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores, plus 1% on all other purchases. Earn 8% cash back on Capital One Entertainment purchases. Earn 10% cash back on purchases on Uber and Uber Eats, plus get your Uber One monthly membership fee covered.

Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel

Welcome Bonus

Earn a one-time $50 cash bonus once you spend $100 on purchases within 3 months from account opening

$50

Annual Fee

$0

Regular APR

19.99% – 29.99%

Credit Score

Fair (580-669)

BEST CASH REWARDS

Capital One SavorOne Student Cash Rewards Credit Card

Capital One SavorOne Student Cash Rewards Credit Card

Credit Propose

5.0

Apply Now
On Capital One’s secure website

Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores, plus 1% on all other purchases. Earn 8% cash back on Capital One Entertainment purchases. Earn 10% cash back on purchases on Uber and Uber Eats, plus get your Uber One monthly membership fee covered.

Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel

Welcome Bonus

Earn a one-time $50 cash bonus once you spend $100 on purchases within 3 months from account opening

$50

Annual Fee

$0

Regular APR

19.99% – 29.99%

Credit Score

Fair (580-669)

  • No annual fee
  • Earn a one-time $50 cash bonus
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores, plus 1% on all other purchases.
  • Earn 8% cash back on Capital One Entertainment purchases.
  • Earn 10% cash back on purchases on Uber and Uber Eats, plus get your Uber One monthly membership fee covered 
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
  • Travel rewards rate rivals some of the best premium travel cards
  • Generous rewards rate in several other categories
  • No intro offer
  • No annual fee
  • Earn a one-time $50 cash bonus once you spend $100 on purchases within 3 months from account opening
  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores, plus 1% on all other purchases.
  • Earn 8% cash back on Capital One Entertainment purchases.
  • Earn 10% cash back on purchases on Uber and Uber Eats, plus get your Uber One monthly membership fee covered 
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel
  • 19.99% – 29.99% variable APR
  • No Transfer Fee with this APR

BEST SECURED CREDIT CARD

Discover It® Secured Credit Card

Apply Now
On Discover’s secure website
Discover It® Secured Credit Card

Credit Propose

5.0

Earn 2% Cashback Bonus® at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.

Plus, earn unlimited 1% cash back on all other purchases.

Minimum Deposit

You must make a minimum security deposit of $200 (or more, in increments of $100 up to $2,500), which will equal your requested credit limit.

$200

Annual Fee

$ 0

Regular APR

28.24%

Credit Score

Build/Rebuild Credit

BEST SECURED CREDIT CARD

Discover It® Secured Credit Card

Discover It® Secured Credit Card

Credit Propose

5.0

Apply Now
On Discover’s secure website

Earn 2% Cashback Bonus® at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.

Plus, earn unlimited 1% cash back on all other purchases.

Minimum Deposit

You must make a minimum security deposit of $200 (or more, in increments of $100 up to $2,500), which will equal your requested credit limit.

$200

Annual Fee

$ 0

Regular APR

28.24%

Credit Score

Build/Rebuild Credit

  • No annual fee
  • Minimum security deposit is $200
  • You will get your deposit back after 7 months
  • Earn 2% Cashback Bonus® at Gas Stations and Restaurants.
  • And unlimited 1% cash back on all other purchases.
  • Rewards never expire.
  • $0 Fraud Liability
  • Free Social Security number alerts
  • 100% U.S. Based Customer Service
  • View your FICO® Credit Score for free
  • Returned Payment fee is up to $41
  • You must make a minimum security deposit of $200 (or more, in increments of $100 up to $2,500), which will equal your requested credit limit.
  • Discover reports your credit history to the three major credit bureaus so it can help build/rebuild your credit. 
  • Discover will refund your security deposit if you have made all payments on time for the last six billing cycles.
  • Earn 2% Cashback Bonus® at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.
  •  Plus, earn unlimited 1% cash back on all other purchases.
  • Rewards Redemption: Rewards never expire. 
  • APR – 28.24%.
  • No annual fee
  • You’re never responsible for unauthorized purchases on your Discover Card
  • Free Social Security number alerts. Get an alert if Discover finds your Social Security Number on any of thousands of Dark Web sites. Activate for free.
  • 100% U.S. Based Customer Service: You can reach a live agent any time by calling 1-800-Discover (1-800-347-2683).
  • View your FICO® Credit Score for free. Viewing your Credit Scorecard will never impact your FICO® Score.

BEST CREDIT BUILDER

Chime Credit Builder Secured Credit Card

Apply Now
On Citi’s secure website
Chime Credit Builder Secured Credit Card

Credit Propose

5.0

Chime Doesn’t Run Credit Checks for Approval

Welcome Bonus

N/A

None

Annual Fee

$0

Regular APR

No interest

Credit Score

Credit Builder

BEST CREDIT BUILDER

Chime Credit Builder Secured Credit Card

Chime Credit Builder Secured Credit Card

Credit Propose

5.0

Apply Now
On Citi’s secure website

Chime Doesn’t Run Credit Checks for Approval

Welcome Bonus

N/A

None

Annual Fee

$0

Regular APR

No interest

Credit Score

Credit Builder

  • No annual fee
  • No interest
  • No credit check for approval
  • Direct deposits of $200 or more
  • No rewards
  • No annual fee
  • No interest
  • Chime Doesn’t Run Credit Checks for Approval
  • You need a Chime Checking Account and qualifying direct deposits of $200 or more.
  • Chime reports to the major credit bureaus – TransUnion®, Experian®, and Equifax®

BEST STUDENT CASH BACK

Bank of America® Unlimited Cash Rewards credit card for Students

Apply Now
On Citi’s secure website
Bank of America® Unlimited Cash Rewards credit card for Students

Credit Propose

5.0

0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. Earn 1.5% unlimited cash back

Welcome Bonus

Earn $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening — plus choose how you earn rewards monthly.

$200

Annual Fee

$0

Regular APR

18.24% – 28.24%

Credit Score

Excellent, Good (700 – 749)

BEST STUDENT CASH BACK

Bank of America® Unlimited Cash Rewards credit card for Students

Bank of America® Unlimited Cash Rewards Credit Card for Students

Credit Propose

5.0

Apply Now
On Citi’s secure website

0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. Earn unlimited1.5% cash back

Welcome Bonus

Earn $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening — plus choose how you earn rewards monthly.

$200

Annual Fee

$0

Regular APR

18.24% – 28.24%

Credit Score

Excellent, Good (700 – 749)

  • No annual fee
  • Earn unlimited 1.5% cash back on all purchases
  • $200 online cash rewards bonus
  • Mobile banking and text alerts
  • FICO® Score for free
  • 0% Intro APR for your first 15 billing cycles
  • Preferred Rewards members earn a 25%-75% rewards bonus on every purchase.
  • There is a foreign transaction fee
  • $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening
  • Earn unlimited 1.5% cash back on all purchases.
  • Mobile banking and text alerts to help keep you on top of your finances
  • FICO® Score for free through Online or Mobile Banking, so you can view your credit score after using your card for a few months.
  • 0% Intro APR for your first 15 billing cycles for purchases, and for any balance transfers made within the first 60 days of opening your account.
  • After the intro APR offer ends, a Variable APR that’s currently 18.24% to 28.24% will apply. A 3% fee applies to all balance transfers
  • Balance Transfer-3% of the amount of each transaction.
  • Preferred Rewards members earn 25%-75% more cash back on every purchase.
  • No annual fee

BEST STUDENT CREDIT CARD

Discover It® Chrome for Students

Apply Now
On Discover’s secure website
Discover It® Chrome for Students

Credit Propose

5.0

Earn 2% Cashback Bonus® at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.

Plus, earn unlimited 1% cash back on all other purchases.

Welcome Bonus

N/A

None

Annual Fee

$ 0

Regular APR

18.24%-27.24%

Credit Score

Build Credit

BEST STUDENT CREDIT CARD

Discover It® Chrome for Students

Discover It® Chrome for Students

Credit Propose

5.0

Apply Now
On Discover’s secure website

Earn 2% Cashback Bonus® at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.

Plus, earn unlimited 1% cash back on all other purchases.

Welcome Bonus

N/A

None

Annual Fee

$ 0

Regular APR

18.24%-27.24%

Credit Score

Build Credit

  • No annual fee
  • No credit score required to apply
  • 0% Intro APR for 6 months on purchases.
  • Earn 2% Cashback Bonus® at Gas Stations and Restaurants.
  • And unlimited 1% cash back on all other purchases.
  • Rewards never expire.
  • $0 Fraud Liability
  • Free Social Security number alerts
  • 100% U.S. Based Customer Service
  • View your FICO® Credit Score for free
  • No foreign transaction fees
  • Returned Payment fee is up to $41
  • Discover reports your credit history to the three major credit bureaus so it can help build/rebuild your credit. 
  • Earn 2% Cashback Bonus® at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.
  •  Plus, earn unlimited 1% cash back on all other purchases.
  • Rewards Redemption: Rewards never expire. 
  • 0% Intro APR for 6 months on purchases.
  • Then 18.24% – 27.24% Standard Variable Purchase APR will apply.
  • No annual fee
  • You’re never responsible for unauthorized purchases on your Discover Card
  • Free Social Security number alerts. Get an alert if Discover finds your Social Security Number on any of thousands of Dark Web sites. Activate for free.
  • 100% U.S. Based Customer Service: You can reach a live agent any time by calling 1-800-Discover (1-800-347-2683).
  • View your FICO® Credit Score for free. Viewing your Credit Scorecard will never impact your FICO® Score.