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Credit Cards for Graduate Students

credit cards for graduate students

Customize your search for a Graduate Student Credit Card

Given the fact that graduate students are typically older and more financially experienced than college students, they tend to be able to qualify for better credit cards. A college student, after all, is unlikely to be eligible for a credit card for good credit. It’s a different story for doctoral candidates and masters students, who might have returned to school after beginning a career and/or are currently working part-time. Which graduate student credit card you eventually decide upon not only depends on your credit level (check out our free credit estimator), but also your intended purpose. While you can find great rewards and low interest rates amongst the graduate student credit cards listed below, some grad students, especially those close to graduation, decide to opt against getting the best credit card terms possible, in favor of their school’s credit card, which will provide financial support to your university based on your usage. Find your school’s card by entering the name of your university in the text box on the top right of the page. Whichever way you’re leaning, we suggest comparing a variety of options before applying for the best credit card for graduate students like you.

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Citi Forward® Card for College Students

citi forward card for college students
Rates:
  • 0% on Purchases 7 months
  • 0% on Transfers Not Offered
  • Regular Rate 13.99% - 22.99% (V)
Annual Fee None
Rewards Points
Initial Bonus 1,000 points
Base Earn 1 point / $1
Max Earn 5 points / $1
  • Earn 1,000 points after you sign up for paperless statements within the first 3 months of account opening.
  • No Cosigner Required.
  • 100 ThankYou Points each billing period that you pay on time and stay under your credit line.

 
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Biodegradable Discover® More Card

bio discover more card
Rates:
  • 0% on Purchases 6 months
  • 0% on Transfers 6 months ;   Fee.....3%
  • Regular Rate 10.99% - 20.99% (V)
Annual Fee None
Rewards Cash Back
Initial Bonus None
Base Earn up to 1%
Max Earn 5%
  • Depending on the month of the year earn 5% CashBack in certain popular categories and UP TO 1% CashBack on all other purchases.
  • Examples of Popular Categories: travel, home improvement stores, department stores, gas, restaurants.
  • Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.

 
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Citi® Dividend Platinum Select® Card for College Students

Student Credit Card Offer from Citibank
Rates:
  • 0% on Purchases 7 months
  • 0% on Transfers Not Offered
  • Regular Rate 13.99% - 21.99% (V)
Annual Fee None
Rewards Cash Back
Initial Bonus None
Base Earn 1%
Max Earn 5%
  • Earn 5% Cash Back on purchases at supermarkets, drugstores, gas stations, convenience stores & utilities (including cable) for 6 months; 1% thereafter*
  • Earn at least 2% cash back in popular rotating categories like restaurants, apparel, hotel and more. Enrollment required*
  • Earn a full 1% cash back on all other purchases*
  • No Cosigner Required.

 
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Discover® Student Credit Card - $20 Cashback Bonus®

Student Credit Card Offer from Discover
Rates:
  • 0% on Purchases 6 months
  • 0% on Transfers Not Offered
  • Regular Rate 12.99% - 18.99% (V)
Annual Fee None
Rewards Cash Back
Initial Bonus $20
Base Earn up to 1%
Max Earn 5%
  • Get $20 Cashback Bonus® when you make your 1st purchase within 3 months.
  • Depending on the month of the year earn 5% Cash Back in one or more of the following categories: travel, home improvement stores, department stores, gas, restaurants.
  • Up to 1% Cash Back on all other purchases.

 
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Orchard Bank® Classic MasterCards

orchard bank classic mastercard
Rates:
  • 0% on Purchases Not Offered
  • 0% on Transfers Not Offered
  • Regular Rate 14.99 - 24.99% (V)
Annual Fee $39 - $59
Rewards None
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Discover® Student More Card

discover student credit card
Rates:
  • 0% on Purchases 9 months
  • 0% on Transfers Not Offered
  • Regular Rate 12.99% - 18.99% (V)
Annual Fee None
Rewards Cash Back
Initial Bonus None
Base Earn up to 1%
Max Earn 5%
  • Depending on the month of the year earn 5% Cash Back in one or more of the following categories: travel, home improvement stores, department stores, gas, restaurants.
  • Up to 1% Cash Back on all other purchases.
  • 5%-20% Cashback at top online retailers thru the Discover site.

 
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TrueEarnings® Card from Costco and American Express

true earnings card from costco and american express
Rates:
  • 0% on Purchases 6 months
  • 0% on Transfers Not Offered
  • Regular Rate 15.24% (V)
Annual Fee None
Rewards Cash Back
Initial Bonus None
Base Earn 1%
Max Earn 3%
  • Cash back on the things you buy: 3% for the first $3,000 in annual gasoline purchases (1% thereafter), 2% for restaurants, 2% for travel, and 1% everywhere else, including Costco.
  • American Express® Card and Costco Membership Card in one -- with no annual fee for Costco members.

 
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Orchard Bank® Visa® Cards

Visa Credit Card for Average Credit from OrchardBank
Rates:
  • 0% on Purchases Not Offered
  • 0% on Transfers Not Offered
  • Regular Rate 14.99 - 24.99% (V)
Annual Fee $39 - $59
Rewards None
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Sony Card from Capital One®

sony credit card
Rates:
  • 0% on Purchases until April 2013
  • 0% on Transfers Not Offered
  • Regular Rate 13.9% - 24.9% (V)
Annual Fee None
Rewards Points
Initial Bonus 5,000 points
Base Earn 1 point / $1
Max Earn 5 points / $1
  • 5 points per $1 on Sony purchases at authorized retailers.
  • 3 points per $1 on dining out and movie purchases.
  • 1 point per $1 spent on all other purchases.
  • Redeem for Sony products, movies, music, and more.

 
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We work hard to present you with the most accurate credit card information, however, this information does not originate from us and thus, we do not guarantee the accuracy of the information. Certain offers originate from paying advertisers, and this will be noted on a card’s details page, when applicable.

Before you apply for a credit card we recommend that you review and verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences related to the Credit Cards for Graduate Students shown on this page.