Starting your financial journey as a student? The right credit card can help you build credit, earn rewards, and learn smart money habits — all while keeping fees low. Below are our top picks for the best student credit cards in the U.S. this year.
🎓 1. Discover it® Student Cash Back
- 5% cash back on rotating categories each quarter (activation required)
- 1% cash back on all other purchases
- No annual fee
- First-year Cashback Match — Discover matches all cash back earned in your first year
- Great for students who want rewards without extra costs
🔗 Apply at Discover
📘 2. Capital One SavorOne Student Cash Rewards
- 3% cash back on dining, entertainment, streaming, and grocery stores
- 1% cash back on all other purchases
- No annual fee
- Ideal for social and active students
🔗 Visit Capital One
📚 3. Chase Freedom® Student Credit Card
- 1% cash back on all purchases
- $20 Good Standing Reward after each account anniversary (for up to 5 years)
- Free credit score access
- Perfect for building a credit history
🔗 Learn more at Chase
Why a Student Card Matters
Student credit cards are specifically designed for young adults who are just starting to build credit. By using your card responsibly, you’ll prepare for future financial milestones — like car loans or renting an apartment.
Tips Before You Apply
✅ Check your student status and age (most issuers require you to be 18+ and enrolled)
✅ Have a part-time income or co-signer if needed
✅ Use your card for small, regular purchases and pay on time
📌 Looking for other card types?
👉 Explore the Best Cash Back Cards
👉 View Balance Transfer Offers
🧠 Stay smart, stay secure, and start building your credit the right way — one swipe at a time.
