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Chase Freedom Rise
Chase Freedom Rise
- 26.74% variable based on the Prime Rate Regular Purchase APR
- 26.74% variable based on the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Chase Freedom Rise Visa is a credit builder card that can help you earn cash back rewards and double your credit line fast. The card works best with an eligible Chase checking account, as having one can greatly improve your approval odds.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 1.5% in cash back for all of your purchases
- Earn a $25 bonus for enrolling in in the first three months
- $0 annual fee
- Increase your credit line with 6 on-time payments
- Regular Purchase APR: 26.74% variable based on the Prime Rate
- Balance Transfer APR: 26.74% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- Penalty APR: Up to 29.99%
- Foreign Transaction Fee: 3% of the amount of each transaction in U.S. dollars.
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You have a Chase checking account with a $250 balance
- You want to earn unlimited 1.5% cash back on all purchases
- You are new to credit cards
- You don't want to pay an annual fee
Wescom Bruin Choice Visa® Credit Card
Wescom Bruin Choice Visa® Credit Card
- 17.40% to 27.40% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 17.40% to 27.40% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 17.40% to 27.40% variable based on creditworthiness and the Prime Rate Cash Advance APR
- 0% for 6 months from account opening date Intro Purchase APR
At a Glance
The Wescom Bruin Choice Visa® Credit Card helps UCLA students build credit and earn rewards at the same time. The card is a credit union and student credit card that offers 0% intro APR, no foreign transaction fees, and up to 5X point son purchases – all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No foreign transaction fees
- Earn 5X points on select UCLA purchases
- Earn 1.5X points on all other purchases
- 0% intro APR for 6 months on purchases and balance transfers
- Credit limits of up to $1,000
- Intro Purchase APR: 0% for 6 months from account opening date
- Regular Purchase APR: 17.40% to 27.40% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 6 months from account opening date
- Balance Transfer APR: 17.40% to 27.40% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $2 or 2% of the amount of each transfer, whichever is greater
- Cash Advance APR: 17.40% to 27.40% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $2 or 2% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $15
- Return Payment Penalty Fee: Up to $25
- You attend UCLA
- You're new to credit cards
- You want to earn savings at a selection of campus dining options
- You do't want to pay an annual fee
Journey Student Rewards from Capital One
Journey Student Rewards from Capital One
- 29.99% variable based on the Prime Rate Regular Purchase APR
- 29.99% variable based on the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Journey Student Rewards from Capital One card is a student credit card that offers individuals with average credit a straightforward 1% cash back on all purchases. Where the card stands out, though, is its ability to increase your cash back to 1.25% each month that you pay it off on time. With this card, it literally pays to be responsible.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- Enjoy no annual fee and no foreign transaction fees
- You can help build your credit with responsible use of a card like this
- Set up Autopay for your account and your payments will be made automatically every month
- Pick the monthly due date that works best for you
- Be automatically considered for a higher credit line in as little as 6 months
- $0 fraud liability if your card is ever lost or stole
- Regular Purchase APR: 29.99% variable based on the Prime Rate
- Balance Transfer APR: 29.99% variable based on the Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you. None for balances transferred at the Transfer APR.
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: 3% of the amount of the cash advance, but not less than $3
- Late Payment Penalty Fee: Up to $40
- You have average credit (requires an existing credit history)
- You want to increase your credit score (even if you aren’t a student)
- You want access to free credit monitoring tools
- You plan on spending a semester abroad
- You can pay pay your balance in full each month
SoFi Credit Card
SoFi Credit Card
- 17.99% to 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 17.99% to 29.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 31.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The SoFi Credit Card is a cash back rewards card from fintech company, SoFi. The card, which features no annual fee and no foreign transaction fees, is designed to help consumers pay down debt quickly and effectively.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 1% cash back on all eligible purchases. When you redeem it to pay down eligible debt, save, or invest with SoFi, you'll earn an additional 1% cash back
- Get a 1% lower APR when you make 12 on-time payments
- No annual fee
- Earn additional rewards when you spend with Lyft, ShopRunner, and Boxed
- Regular Purchase APR: 17.99% to 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 17.99% to 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 31.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $39
- You're an existing SoFi customer or are planning to become one
- You have debts you want to pay down at a reduced rate
- You have the desire to earn a lower rate with on-time payments
- You don’t want to pay an annual fee or foreign transfer fee
Discover it® Chrome for Students
Discover it® Chrome for Students
- 18.24% to 27.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 18.24% to 27.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
- 0% for 6 months from date of account opening date Intro Purchase APR
At a Glance
The Discover it Chrome for Students is a student credit card and cash back rewards card that allows college students to earn 2% cash back on gas and restaurants, plus 1% cash back on everything else. In addition to not having to worry about an annual fee, students who maintain a GPA of 3.0 or higher will receive a $20 statement credit each school year.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Get $20 statement credit each school year your GPA is 3.0 or higher for up to next five years
- Earn 2% cash back at gas and restaurants on up to $1,000 in combined purchases each quarter. Plus 1% cash back on all other purchases
- Discover matches all the cash back you've earned at the end of your first year, automatically
- Cash back rewards do not expired and can be redeemed at any time
- 0% intro APR on purchases for 6 months
- No annual fee, no late fee on first late payment. No APR change for paying late
- Intro Purchase APR: 0% for 6 months from date of account opening date
- Regular Purchase APR: 18.24% to 27.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 10.99% for 6 months from date of first transfer
- Balance Transfer APR: 18.24% to 27.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount of each transfer posted at the promotional rate. After that, 5% of the amount of each transfer
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: None the first time you pay late. After that, up to $41
- Return Payment Penalty Fee: Up to $41
- You're planning on commuting to college
- You plan to eat out rather than in the cafeteria
- You want a card that rewards a good school year, as your GPA can get you extra savings
- You want to take advantage of Cashback Match – only from Discover
- You don’t want to pay an annual fee
You've viewed 5 of 33 credit cards
What Is a Student Credit Card?
Student credit cards are a unique type of card designed specifically for college students. Student cards are an ideal option for those that are over the age of 18 and new to credit. Because student cards are similar to other credit cards, they sometimes offer rewards points, interest-free periods, and introductory bonuses. Despite their similarities to different types of credit cards, however, student cards differ in a few key areas.
How Does a Student Card Differ from Other Credit Cards?
Because student cards are designed with the college student in mind, they typically have lower requirements when it comes to credit score and credit history. Most college students have minimal experience with credit cards – or credit in general. That’s because most credit card issuers require cardholders to be at least 18 years old.
Student credit cards, therefore, need to be more lenient on their credit requirements. This makes them an excellent option for those who have never had a credit card before. Using their credit card responsibly, students can build up their credit history and credit score and move up to a better rewards credit card when they graduate.
Student cards usually have lower credit limits than other types of credit cards. This is due to the lesser credit restrictions. Lower credit limits isn’t necessarily a bad thing, however, as it can help the cardholder learn the ropes of credit and practice keeping their credit utilization ratio low. Keeping that ratio below 30% is essential to building credit.
Despite the lower limits, however, student cards offer more than enough financial might to purchase textbooks, dorm snacks, or anything else that college kids need to survive campus life.
What To Expect from a Student Card
Here’s what should you look for when shopping around for a new card:
| ①Rewards | While not common, there are plenty of good student rewards cards on the market. Many student credit cards feature lesser benefits in comparison to general rewards credit cards, but that’s not always the case. |
| ② No annual fee | Generally speaking, signing up for a credit card without an annual fee makes financial sense. This rule doesn’t apply, though, if the benefits that you earn while using the credit card are higher than the cost you’re paying each year. |
| â‘¢ Academic incentives | This is a perk unique to credit cards for students. Some cards offer cardholders account statement credits if their grades meet a certain threshold, such as meeting GPA minimums each academic school year. |
| ④ Debt forgiveness | When learning how to use credit cards and navigate debt, especially at a young age, it’s essential to look for a card that offers debt forgiveness. You’ll want a card with debt forgiveness to prevent your credit score from being negatively affected. |
Credit Cards for College Students with No Credit History
One of the most significant differences between student credit cards and non-student versions is that students typically don’t have the credit history needed to get other unsecured credit cards. Because of the easer credit requirements, student cards are attainable by most students.
Secured Cards: The Perfect Student Credit Cards for Bad Credit
Students that don’t qualify for a student card can also apply for a secured credit card. Secured cards differ from other credit cards in that they require a security deposit to open. This deposit acts as both the collateral and the line of credit. Using these types of cards is a great way to boost your credit score and quickly move on to a student or other type of credit card.
Cards with a Cosigner
For students seeking a credit card that does not require a cash deposit, there are options. One such option is to become an authorized user on their parent’s credit card accounts. This allows them to build their credit off of the good credit habits of the primary cardholder. Another option is to get a credit card with a cosigner. Cosigners help get student credit cards with no credit – or even non-student credit cards.
What Is a Cosigner?
A cosigner is a person who signs a credit card application with someone and agrees to take on the burden of their debt, should they not be able to make their payments. A cosigner is – in essence – a guarantor of the credit card application, ensuring that lenders don’t have as much to worry about when it comes to a risky applicant – such as a student.
Cosigners make student credit card applicants much more attractive. They have the added benefit of the opening up more enticing credit card offers to those who would normally not have qualified. These attractive offers can include rewards credit cards, such as cashback or travel rewards cards, which can help students save money on everyday purchases or even visits back home during the holidays.
The CARD Act of 2009
Federal law mandates that those under the age of 21 must provide proof of independent income adequate to cover and potential credit card debt. According to the Credit CARD Act of 2009, there are strict federal limits on how much credit was available to those under the age of 21, as well as the marketing practices of credit card lenders who previously were accused of preying on students that lacked the financial education to make informed decisions.
Per the CARD Act, anyone between the ages of 18 to 20 must provide valid proof of income to cover their credit card obligations. This income must be independent of any family money (including allowances, birthday presents, etc.)
Because of the difficulty of those under the age of 21 encounters when it comes to proving enough income to cover potential credit card debt, it can be challenging to get accepted for all but either the most basic of credit cards or secured credit cards. Fortunately, students also have the option of using a parent, guardian, or other trusted loved one as a cosigner.
Student Credit Card FAQs
There are plenty of questions that pop up about college credit cards. Here are some of the most commonly asked questions:
- Student cards are similar to other credit cards. These cards differ in that they are meant for college students. Because of this, student cards require specific information. Some of this information is the same as what all credit card applications require:
- A Social Security Number is required whenever you apply for a credit card. Despite this, some applications have no impact to your credit score.
- Proof of enrollment is another requirement for many student cards.
- Income or savings information might be required.
- Some issuers require a student card applicant to have a student loan with the bank.
- Students are required to be 18 years or older to get a student card.
- Yes. Student cards are an excellent option for establishing a good credit history. Â Student versions of credit cards offer lower interest rates than secured cards. These varieties of cards also provide rewards, cash back, and other perks.
- Most credit cards come with an easy to use app, which allows you to track your spending, set automatic payments, or even check your credit score in minutes. Other cards offer good grade discounts, free subscriptions (like a free year of Amazon Prime student), or other on-campus perks.
- International transaction fees are charges for using your credit card for purchases outside the United States. These charges can be in foreign countries or even non-U.S. websites. Each bank charges a different fee, with some having no foreign transaction fees at all.