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Student Credit Cards

If you want to review and compare student credit cards then take a look at the following offers. They are without question some of the finest student credit card deals on the market today. They offer outstanding features and benefits and are a great way for young people to begin establishing that all-important credit history that will serve them throughout their lives.

Discover® Student Clear Card


  • 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 12.99% – 18.99%*
  • 5% Cashback Bonus® in categories that change throughout the year like gas, groceries, restaurants, department stores and more. Signing up is free and easy each time. And you’ll earn 5% on up to the quarterly maximum*
  • Every single purchase automatically gets Cashback Bonus®

Discover® More Card Student


  • 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 12.99% – 18.99%*
  • 5% Cashback Bonus® in categories that change throughout the year like gas, groceries, restaurants, department stores and more. Signing up is free and easy each time. And you’ll earn 5% on up to the quarterly maximum*
  • Every single purchase automatically gets Cashback Bonus®

Discover® Mix Tape Student Card


  • 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 12.99% – 18.99%*
  • 5% Cashback Bonus® in categories that change throughout the year like gas, groceries, restaurants, department stores and more. Signing up is free and easy each time. And you’ll earn 5% on up to the quarterly maximum*
  • Every single purchase automatically gets Cashback Bonus®

Discover® Student Tropical Beach Card


  • 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 12.99% – 18.99%*
  • 5% Cashback Bonus® in categories that change throughout the year like gas, groceries, restaurants, department stores and more. Signing up is free and easy each time. And you’ll earn 5% on up to the quarterly maximum*
  • Every single purchase automatically gets Cashback Bonus®

Discover® Student Cards Monogram Collection


  • 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 12.99% – 18.99%*
  • 5% Cashback Bonus® in categories that change throughout the year like gas, groceries, restaurants, department stores and more. Signing up is free and easy each time. And you’ll earn 5% on up to the quarterly maximum*
  • Every single purchase automatically gets Cashback Bonus®

Discover® Student Open Road Card


  • 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 12.99% – 18.99%*
  • Double Cashback Bonus®* at gas stations and restaurants.
  • Every single purchase automatically gets Cashback Bonus®

Walmart MoneyCard


  • No Overdraft Fees
  • No credit Check
  • Free reloads with Direct Deposit

Discover ® Student Card Cashback Bonus


  • Experience Discover’s great rewards program. Earn Cashback Bonus®* when you make your 1st purchase within 3 months of approval
  • 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 12.99% – 18.99%*
  • 5% Cashback Bonus® in categories that change throughout the year like gas, groceries, restaurants, department stores and more. Signing up is free and easy each time. And you’ll earn 5% on up to the quarterly maximum*

After reviewing the credit card offers it is important for us to share some information on student credit cards. Because, as we said earlier, these cards do in fact play a very important role in young people’s lives because it is usually their first opportunity to establish their credit rating.

And the truth is that it can go either way. What I mean by that is if the student is in fact responsible with how they use their credit card then they are absolutely doing themselves a great service. The problem is, however, that some are doing harm that will take many, many years to repair.

The harm I speak of is not just running up debt but even more important than that they are damaging their credit score. Credit scores, credit ratings, credit histories, FICO scores, whatever you like to call it, are important because they dictate not only what interest rates we will pay on loans, but whether or not we will even be approved for credit.

Credit ratings can even affect whether or not you get a job. They are checked by employers on the basis that they are a reflection of the character of the person. If people cannot responsibly manage their personal finances, in many cases employers don’t want them in their company.

That is why it is so vitally important that if you do in fact apply for and are approved for student credit cards, that you use them responsibly. After graduating the individual will, of course, be looking for a job. In addition to that they will eventually more than likely be looking to get a mortgage, a car loan and perhaps a business loan as well.

There are other options besides student credit cards to consider that also allow the individual to purchase goods and services anywhere credit card transactions are allowed. The options I speak of are prepaid cards and debit cards.

Another point to keep in mind is that due to credit card reform legislation people under the age of 21 now must show proof that they have the ability to pay any and all debt that they may incur with a credit card, or get an adult cosigner (usually a parent).

If you opt to have a cosigner that person must understand that they too are liable for all debts on that card. That is definitely worth a conversation concerning responsibility and accountability. Student credit cards most certainly have their place, as long as they are used wisely.

Apply for a Student Credit Card

Student credit cards are a bit different than your standard credit card offers in that, in most cases, they are issued to individuals with no prior credit history. But with that said the credit card issuers know full well that today’s college student is tomorrow’s gainfully employed (hopefully) consumer.

It is vitally important that credit cards are used responsibly as the individual begins to establish their all important credit history. It is also important that the applicant completely understands the terms and conditions set forth by the credit card company including interest rates and fees before they apply.

As you can see there are quite a few features to consider. Many of the cards offer rewards on purchases, as well as bonus points, and in some cases discounts. Cashback rewards are always popular and can be an effective way to save money.

Some important things to keep in mind when considering student credit cards are the annual percentage rate (APR) and any and all fees that are applicable. These two factors are more or less the cost that one agrees to pay for the benefit of having their credit card account.

It should also be pointed out that the newly passed credit card reform act deals specifically with college students and credit. There is no question that some students have found themselves in debt because of the easy access to credit.

Basically, the reform act states that a student must show that they have the ability to pay their bills responsibly and on time. If they do not have an adequate income stream then they will be required to have a cosigner in order to open up a credit card account.

This usually means that a parent or relative with a strong credit history will be required to take responsibility along with the student. Joint credit cards are another option. That is when a parent puts their kid on their credit card account and are issued their own card with their name on it.

It must be understood that whether it is a card with a cosigner, or a joint credit card account, that all of the individuals on the account are responsible for the debts incurred. That also means that the credit records of all parties can be affected as well.

Other options include prepaid, secured and debit cards. It is wise to take a look at all of these types of cards in order to make an informed decision that best meets the needs of the individual student.

Carefully review the terms and conditions before completing any application. Student credit cards are a wonderful way to begin building a strong credit score that will serve the student well throughout their lifetime.

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