Cash-back rewards

discover
Discover it® Student Cash Back
Regular APR
14.74% - 23.74% Variable APR
Annual Fee
$0
Recommended credit score
630
689
Good - Excellent

We like it for

  • INTRO OFFER: Discover will match ALL the cash back you’ve earned at the end of your first year, automatically. There’s no signing up. And no limit to how much is matched.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants or Amazon.com up to the quarterly maximum each time you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 14.74% – 23.74%.

Rewards for going out

linda
Citi ThankYou® Preferred Card for College Students
Regular APR
16.24% - 26.24% Variable APR
Annual Fee
$0
Recommended credit score
690
719
Good - Excellent

We like it for

  • Enjoy 0% Intro APR for 7 months on purchases from date of account opening; after that the variable APR will be 16.24% – 26.24% based upon your creditworthiness*
  • Earn 2,500 bonus points after spending $500 in purchases within the first 3 months of account opening
  • 2,500 ThankYou® Points are redeemable for $25 in gift cards, electronics and other great rewards when redeemed at thankyou.com
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • No expiration and no limit to the amount of points you can earn with this card
  • No annual fee*

Incentives for responsible use

journey
Journey® Student Rewards from Capital One®
Regular APR
24.99% Variable APR
Annual Fee
$0
Recommended credit score
630
689
Good - Excellent

We like it for

  • 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
  • Enjoy no annual fee and no foreign transaction fees
  • Get a head start and build your credit with responsible use
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • Pick the monthly due date that works best for you
  • Get customized alerts and manage your account with the Capital One mobile app

Gas and restaurant rewards

discover-jpg
Discover it® Student chrome
Regular APR
14.74% - 23.74% Variable APR
Annual Fee
$0
Recommended credit score
630
689
Good - Excellent

We like it for

  • INTRO OFFER: Discover will match ALL the cash back you’ve earned at the end of your first year, automatically. There’s no signing up. And no limit to how much is matched.
  • 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter – no sign-ups needed. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 14.74% – 23.74%.

International students

deserve
Deserve® Edu Mastercard for Students
Regular APR
20.24% Variable
Annual Fee
$0
Recommended credit score
630
850
Good - Excellent

We like it for

  • 1% unlimited cash back on ALL purchases
  • Deserve will pay for Amazon Prime Student, get free Video, Music, and Reading (Up to a lifetime total of $59)
  • Up to a $5,000 credit line
  • $0 annual fee
  • No security deposit or co-signer required (No SSN required for international students)
  • Builds credit history
  • Use anywhere in the world where Mastercard is accepted with no foreign transaction fees
  • Mastercard Platinum Benefits like Cellphone Protection, Car Rental Collision Damage Waiver, ID Theft Protection, Price Protection, and more

Limited credit

visa
State Farm® Student Visa® Credit Card
Regular APR
12.99% - 19.99% Variable
Annual Fee
$0
Recommended credit score
350
850
Good - Excellent

We like it for

  • Earn 1 State Farm Loyalty Rewards® point for every $2 spent on eligible purchases.
  • Earn 3 points for every $1 spent on insurance premium payments, up to $4,000 annually.
  • Competitive annual percentage rates.
  • Many student discounts provided by Visa.

Sign-up bonus and 0% APR period

ulti
Chase Freedom Unlimited®
Regular APR
16.74% - 25.49% Variable
Annual Fee
$0
Recommended credit score
690
850
Good - Excellent

We like it for

  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Unlimited 1.5% cash back on every purchase – it’s automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee