Which student credit card is the best?

One of the most important reasons for students to apply for credit cards is to build a positive credit history. Student credit cards are designed for students who have zero or limited credit history. These cards usually offer low credit limits and no annual fees, allowing students to better manage their finances while building their credit score. 

The best student credit cards generally have reasonable APRs and benefits that are appealing to college students. Some of them even have rewarding cash back programs that award on gas, groceries, dinner, and other purchases.

Here are the best student credit cards:

Discover It Student Cash Back

The Discover It Student Cash Back Card is considered the best student credit card for cash back rewards in multiple categories. With this card, You get 5% cash back in quarterly rotating categories, such as Walgreens, CVS, gas stations, and 1% cash back on every other purchase. With its zero annual fees, 0% intro APR, and 5% cash back bonus, college students will be able to receive a variety of benefits as they navigate their purchases. Students who have a GPA higher or equal to 3.0 (out of 4.0) also receive a $20 reward for their academic achievement. 

Moreover, this card does not have an annual fee or a sign-up fee, allowing you to earn rewards as soon as you open your account. With 0% intro APR on purchases for 6 months and 10.99% intro APR on Balance Transfers for 6 months, Discover It helps college students finance their purchases. 

Deserve Edu Mastercard for Students

The Deserve Edu Mastercard is considered the best student credit card for international students and those with no credit history. This card is a great option for students who don’t have a social security number or don’t qualify for other cards. Deserve uses its process to evaluate applicants allowing anyone to apply. With its zero annual fees, tons of partnerships, and no foreign fees, college students will be able to receive a variety of benefits as they navigate their spendings. Additionally, students will receive 1% unlimited cash back on all purchases. 

Deserve EDU cardholders receive free Amazon Prime membership after opening an account for a year. From buying dorm room supplies to textbooks, this reward benefits any college student. Additionally, Mastercard will offer cell phone protection when you pay your phone bill with your card, covering for up to $600 if stolen or damaged. Other partnership benefits include three months of talk and text through Mint Mobile and $10 off a Lemonade insurance plan.

Conclusion

Student credit cards are designed for college students looking to establish a good credit history. These cards usually offer low fees, many partnerships, and cashback rewards, allowing students to build a solid credit score that can improve their chances of landing a job or renting an apartment. For those who are looking for the best student credit cards, the Discover It Student Cash Back and Deserve Edu Mastercard.