Student Credit Cards
Are you a college student looking to get your first credit card? Do you want that convenient option to pay your bills and make your purchases while you're off on your own for the first time? Do you worry that you won't get approved for a credit card because you aren't working full-time while you're in school though? There's an option for you -- student credit cards. Student credit cards are specifically designed for your needs with lower income requirements, lower credit limits, and low or no annual fees.
Finding the Best Credit Card Deals
However, student credit cards often do have higher purchase interest rates than other cards, because students are a bigger risk to the credit card companies. Despite that, we have some great student credit card deals so you can find the best credit card for you. You can avoid paying high interest easily by finding a student credit card with a low introductory rate offer for a few months or paying your charges during your grace period each month if you have one (a good habit to get into). Compare student credit cards below and apply securely online if you find the best credit card deal to meet your needs.
| CARD NAME | BALANCE TRANSFERS | INTRO RATE | APR (PURCH) |
APR (CASH) |
ANNUAL FEE | SECURE ONLINE APPLICATION | |||
|---|---|---|---|---|---|---|---|---|---|
| Rate | Duration | Rate | Duration | ||||||
 |
Discover® Mix Tape Student Card
0.0
|
N/A | N/A | 0% | 6 mths | 13.99% | 23.99% | $0 | ApplyMore information |
 |
Discover® Open Road Card for Students
3.0
|
N/A | N/A | 0% | 6 mths | 13.99% | 23.99% | $0 | ApplyMore information |
 |
Discover® Student Card
3.0
|
N/A | N/A | 0% | 6 mths | 13.99% | 23.99% | $0 | ApplyMore information |
 |
Discover® Student Card - Clear
3.0
|
N/A | N/A | 0% | 6 mths | 13.99% | 23.99% | $0 | ApplyMore information |
Are Student Credit Cards Right for You?
Whether you're a new college student or are nearing graduation, you might be considering your first credit card. Student credit cards can seem like an obvious option, but are student credit cards really right for you? Here are a few things to consider when comparing and reviewing student credit card deals:
- Annual fees -- Since students often have lower incomes and student credit cards often have lower limits, you might not be able to afford the annual fee being added to your balance on a student credit card. Look for low fee or fee free student credit cards when possible.
- Purchase APR -- This is the interest rate you'll pay on purchases (minus any no-interest grace period if you pay off your bill regularly and completely).
- Cash Advance APR -- As a student, you might make a lot of cash transactions, such as in small shops or restaurants on or around campus. That can make a credit card cash advance attractive for some, so take a good look at the cash advance interest rate on your student credit card. Is that lunch so good that you're willing to pay 20% or more in interest for it?
- Introductory Offers -- Your student credit card offer might include an introductory interest rate offering you low or no interest on purchases for your first few months as a cardholder. If you plan to finance a larger purchase (like your textbooks for the semester) soon after getting your student credit card, then one with an intro rate offer might be the best credit card for you.
Choosing a student credit card isn't much different than choosing other credit cards -- you just have to keep your needs as a college student in mind. By using the student credit card comparison chart above, you can compare and even apply for the best credit card deals for you.