Shop student credit cards when you have no credit.

Do you lack credit history? It’s ok, you have to start somewhere, and these student credit cards understand that. Here are some of the best options:

  1. Discover it Student Cash Back: This card offers 5% cash back on rotating categories each quarter and 1% cash back on all other purchases. Earn 1 to 1 match on rewards the first year. Use your rewards at Amazon and Paypal. – Visit Discover to apply. No annual fee!
  2. Capital One Journey Student Rewards: This card offers 1% cash back on all purchases and 1.25% cash back each month you pay your bill on time. There are also no foreign transaction fees on this card, making it a good option for students studying abroad. They also review your credit lines as soon as 6 months after your account is opened, timely payments could equal higher credit limits. No annual fee!
  3. Bank of America Travel Rewards for Students: This card offers 1.5 points per dollar spent on all purchases and a 25,000 point bonus for spending $1,000 in the first 90 days of account opening. This is equal to a $250 statement credit that you can offset your travel and dining charges.
  4. Citi Rewards+ Student Card: This card offers 2 ThankYou points per dollar spent at supermarkets and gas stations (up to $6,000 in purchases per year) and 1 point per dollar spent on all other purchases. Citi also rounds up every purchase to the nearest 10 points, making it easy to earn rewards quickly.

When considering which card to apply for, it’s important to consider your spending habits and goals. Some cards may be better suited for students who spend a lot on certain categories, while others may be more flexible with how you earn and redeem rewards. It’s also important to use your card responsibly by paying your bill on time and in full each month to avoid interest charges and build a positive credit history.

How to get a student credit card if I don’t have any credit. How to establish credit.

Getting a student credit card with no credit history can be challenging, but there are several ways to increase your chances of getting approved:

  1. Apply for a secured credit card: Secured credit cards require you to put down a deposit that serves as collateral for your credit line. This means that even if you have no credit history, you can still get approved for a secured credit card.
  2. Get a co-signer: If you have a parent or other trusted adult with good credit, they may be willing to co-sign on a credit card application with you. This means that they are legally responsible for any debts you incur on the card, so make sure you only use the card responsibly.
  3. Apply for a student credit card: Some credit card companies offer credit cards specifically designed for college students with limited or no credit history. These cards often have lower credit limits and higher interest rates than traditional credit cards, but they can be a good way to build credit if used responsibly.
  4. Build credit in other ways: If you’re not able to get approved for a credit card, there are other ways to build credit, such as taking out a small loan, becoming an authorized user on someone else’s credit card, or making timely payments on bills like rent and utilities.

Remember that building credit takes time, so be patient and use any credit you are able to obtain responsibly. Pay your bills on time, keep your credit utilization low, and avoid carrying a balance from month to month to avoid paying high interest fees.

Welcome to
Average rating:  
 0 reviews

Compare the top Excellent Credit Card Offers - CreditSoup Balance Transfer Cards

As an Amazon Associate I earn from qualifying purchases. Also, I get commissions for purchases or applications made through links in this post. View our full Advertiser Disclosure Here