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Best College Student Credit Cards to Build Your Credit Early

Updated: Jan 31, 2023

Having a credit card can be beneficial for college students, as it can help them establish credit and learn how to use credit responsibly. However, it's important for students to choose a credit card that is tailored to their needs and financial situation. Here are a few examples of good credit cards with no annual fees for students from major issuers like Chase, Citi, Capital One, and Discover:


  1. Chase: The Chase Freedom Unlimited or Flex credit card is a good option for students who are looking to earn cashback rewards on their everyday purchases. This card offers 5% cashback on rotating quarterly bonus categories on up to $1,500 in purchases, and 1% cashback on all other purchases. Additionally, there is no annual fee for this card. The Chase Freedom Flex also offers a sign-up bonus for new cardholders. When you spend $500 in the first three months, you will earn a $200 cash back bonus. This can be a great way to start earning rewards right away.

  2. Citi: The Citi Rewards+ Student Card is a good option for students who are looking to earn rewards on their everyday purchases. This card offers 2x ThankYou points per $1 spent at supermarkets and gas stations for the first $6,000 per year and then 1 point per $1 spent. By spending $1,500 in the first 3 months, there is a 20,000 ThankYou point bonus.

  3. Capital One: The Capital One Journey Student Rewards credit card is a good option for students who are looking to earn cashback rewards on their everyday purchases. This card offers 1% cash back on all purchases, and 1.25% cash back when payments are made on time.

  4. Discover: The Discover it Student Cash Back credit card is a good option for students who are looking to earn cashback rewards on their everyday purchases. This card offers cashback rewards on everyday purchases, such as gas stations and restaurants, and offers a good credit limit for students.

*Please keep in mind that all offers listed are current and may change in the future.


When choosing a credit card, it's important for students to consider their spending habits and financial goals. They should also read the terms and conditions of the card, including the interest rate, fees, and rewards program, and make sure they can pay off the balance in full each month. Additionally, it's important for students to understand that having a credit card and using it responsibly can help them build a good credit score, which can make it easier to get approved for loans and credit in the future.


It's also worth noting that students should be aware of the temptation to overspend and run up a large balance which can be difficult to pay off. It's important for them to set a budget, and make sure they only charge what they can afford to pay off each month.

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