The Best Credit Cards for Students in 2024

Building credit is one of the most important financial decisions you can make since you need credit for lots of important things like loans, and mortgages. That being said starting to build credit can be difficult since you can only get approved for a few credit cards. Building credit is a lot easier if you are a student since you can get approved for a lot more cards because of this.

Choosing the right credit card for you depends on your financial situation so this list aims to give a wide variety of credit cards for students.

1. Discover it Student

The Discover it Student Cash Back card is one of the best credit cards for students since it has great rewards and requires minimal to no credit history to get approved. The Discover it Student Cash Back card offers no annual fee, 5% cash back on rotating categories, and 1% cash back on all other purchases. The Discover it Student Cash Back card also offers an unlimited dollar-for-dollar match of all the cash back that you earn at the end of the first year. Discover also some of the best ways to redeem rewards including bank transfers, gift cards, or using them when you shop at multiple different retailers.

Highlights:

• Minimal/No prior credit history needed

• First-year cash-back match

• 5% cash back on rotating categories

APR:

• 18.24%-27.24%

Annual Fee:

• $0

2. Discover it Student Chrome

The Discover it Student Chrome credit card is another great credit card for students from Discover. If you are a student trying to start building credit then the Discover it Student Chrome card is an excellent starting point. The Discover it Chrome card offers no annual fee, 2% cash back at gas stations and restaurants, and unlimited 1% cash back on all other purchases. The Discover it Student Chrome credit card also has the same intro offer as the Discover it Student Cash Back card. At the end of the first year, you will get an unlimited dollar-for-dollar match of all the cash back you earned. The Discover it Student Chrome card is an excellent choice to start building credit if you are a student.

Highlights:

• No prior credit history needed

• First-year cash-back match

• good cash back rewards

APR:

• 18.24%-27.24%

Annual Fee:

• $0

3. SavorOne Student

The Capital One SavorOne Student Credit Card is another great option for students trying to build credit. The Capital One SavorOne Student Credit Card is exclusively for students and is a great all-around card. The Capital One SavorOne card offers no annual fee and unlimited 3% cash back on dining, entertainment, popular streaming services, and grocery stores, plus 1% cash back on all other purchases. They also have a great intro offer. If you spend $100 on purchases within the first 3 months from account opening you will earn a one-time $50 bonus. The Capital One SavorOne Student card is a great all-around card for students.

Highlights:

• Minimal/No prior credit history needed

• 3% cash back on select categories

• $50 intro offer

APR:

• 19.99%-29.99%

Annual Fee:

• $0

4. Chase Freedom Unlimited

The Chase Freedom Unlimited credit card is a great credit card that requires minimal credit history to get approved. The Chase Freedom Unlimited card has no annual fee and 0% APR for the first 15 months from account opening on purchases and balance transfers. This card also offers 5% cash back on travel through Chase, 3% cash back at restaurants, and 1.5% cash back on all other purchases. You can also earn a $200 sign up bonus if you spend $500 on purchases in the first three months of account opening. The Chase Freedom Unlimited card is a great all-around credit card with its only drawback being that you need prior credit history to be approved.

Highlights:

• Minimal prior credit history needed

• $200 sign up bonus

• Great cash back rewards

APR:

• 20.49%-29.24%

Annual Fee:

• $0

5. Chase Freedom Rise

The Chase Freedom Rise card is one of the best entry-level cards and is great for beginners and students alike. The Chase Freedom Rise card requires minimal to no credit history to be approved and offers no annual fee and a 1.5% cash back on all purchases. If you enroll in automatic payments you can even earn a $25 statement credit if you do it within the first three months of opening the account. Plus if you have a total available balance of at least $250 in Chase checking or savings accounts it will increase your chances of getting approved. The Chase Freedom Rise card is perfect for people who are new to credit and also bank with Chase.

Highlights:

• No prior credit history needed

• $25 enrollment credit

• 1.5% cash back on all purchases

APR:

• 26.99%

Annual Fee:

• $0

These are the best credit cards for students that can help you start building credit, each of these cards is useful and unique in its own way so hopefully, you were able to find something that suits your needs.

Disclaimer: The information provided on this website is for educational and informational purposes only. It is not intended to be, nor should it be construed as, financial or investment advice. thefinancialposts.com does not provide personalized financial advice or recommendations based on individual circumstances. Should you need such advice, please consult a licensed financial or tax advisor.