Popular Credit Cards For Students

College is the perfect time to start building a strong financial foundation, and one of the best ways to boost your credit score is by obtaining a credit card for students. In this article, we'll break down the top popular credit cards tailored specifically for students, their benefits, and how they can help you establish a better financial future.

As a student, it's essential to choose a credit card that best fits your needs and lifestyle. Below are some of the most popular credit cards for students, which offer unique rewards, perks and benefits that can aid in your financial journey.

1. Discover it® Student Cash Back

• 5% cash back on rotating quarterly categories up to a quarterly maximum, with activation required
• Unlimited 1% cash back on all other purchases
• No annual fee
• Good Grades Reward: $20 statement credit each school year your GPA is 3.0 or higher (up to 5 years)
• Free FICO® Credit Score monthly

2. Chase Freedom Student

• Earn 1% cash back on all purchases
• $50 bonus after first purchase within the first 3 months
• No annual fee
• Free access to your Credit JourneySM to monitor your credit health
• $20 annual Good Standing Reward for up to 5 years

3. Journey® Student Rewards from Capital One®

• 1% cash back on all purchases; 1.25% cash back if you pay on time
• No annual fee
• Access to a higher credit line after making your first 6 monthly payments on time
• Free access to your CreditWise® credit monitoring tool

4. Citi Rewards+℠ Student Card

• Earn 2X ThankYou® Points at supermarkets and gas stations (up to $6,000 per year) and 1X points on all other purchases
• 10% Points Back for the first 100,000 points redeemed per year
• No annual fee
• Free access to your FICO® Credit Score online

5. Bank of America® Cash Rewards Credit Card for Students

• 3% cash back in the category of your choice (gas, dining, travel, online shopping, drugstores or home improvements)
• 2% cash back at grocery stores and wholesale clubs
• 1% cash back on all other purchases
• No annual fee
• Free access to your FICO® Score online

6. Wells Fargo Cash Back College℠ Card

• Earn 3% cash back on eligible gas, grocery and drugstore purchases for the first 6 months
• 1% cash back on all other purchases
• No annual fee
• 0% introductory APR on purchases for the first 6 months

7. Secured credit cards for students with no credit history

If you have no credit history or a very low credit score, a secured credit card may be the best choice to start building or rebuilding your credit. Examples include:

• Discover it® Secured
• Capital One® Secured Mastercard®
• OpenSky® Secured Visa® Credit Card

Popular Credit Cards For Students Example:

Imagine you're a college student who spends a lot of money on groceries and gas. In this case, the Citi Rewards+℠ Student Card could be a great option, giving you 2X points on those purchases up to $6,000 per year. As you redeem your rewards, you'll also receive 10% points back, effectively increasing the value of each reward you obtain.

Now that you're aware of some popular credit cards specifically designed for students, it's essential to assess your spending habits, financial goals and preferences to choose the best credit card for your needs. Remember, using a credit card responsibly can help build a strong credit history and improve your credit score, which will benefit you in the long run. So, get started now and secure your financial future!

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