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Student Credit Cards with No Credit

College students can indeed open their own credit card accounts, even if they have no credit history to speak of. In fact, credit card companies pretty much roll out the red carpet for students in light of their earning potential and decades of forthcoming financial independence – which can, of course, prove to be very profitable for banking institutions.All a student must do to qualify is demonstrate the independent income or assets needed to pay at least their minimum monthly bill (usually around $10 for student cards). However, if that’s not possible, it’s worth looking into having a parent…show more

    Journey® Student Rewards from Capital One®


    capital one student rewards credit card
    • 0% Purchases Not Offered
    • 0% Transfers Not Offered
    • Regular Rate 19.8% (V)
    • Annual Fee None
    • Rewards Rate 1% - 1.25% cash back
    • Rewards Bonus None
    • Minimum Credit Limited History
    • Rewards Details
    • Earn 1% cash back on all purchases, plus a 25% bonus on the cash back you earn each month you pay on time—for a total of 1.25% cash back
    • There's no limit to the amount of cash back you can earn, and rewards don't expire.
    • Additional Info
    • Get access to a higher credit line after making your first 5 monthly payments on time.
    • Pay no annual fee or foreign transaction fees.
    • Fraud coverage if your card is lost or stolen.
    • Pick the monthly payment due date that works best for you.
    • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker.
    • See All Reviews & Details About The Journey® Student Rewards from Capital One®

    Citi ThankYou® Preferred Card for College Students - Earn 2,500 Bonus Points


    citi thankyou student credit card
    • 0% Purchases 7 months
    • 0% Transfers Not Offered
    • Regular Rate 13.99% - 23.99% (V)
    • Annual Fee $0*
    • Rewards Rate 1 - 2 points / $1
    • Rewards Bonus 2,500 points
    • Minimum Credit Limited History
    • Rewards Details
    • Earn 2,500 bonus ThankYou® Points after spending $500 within the first 3 months of cardmembership.
    • 2 ThankYou® Points per dollar spent on purchases for dining at restaurants and entertainment.
    • 1 ThankYou® Point on other purchases.
    • Points do not expire and earn unlimited Thank You Points.
    • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more.
    • Additional Info
    • Travel with ease and enjoy global acceptance with Chip Technology.
    • No annual fee*.
    • See All Reviews & Details About The Citi ThankYou® Preferred Card for College Students - Earn 2,500 Bonus Points

    Primor® Secured Visa Gold Credit Card


    primor secured gold credit card
    • Secured Credit Card Min Deposit of $200
    • One-Time Fees None
    • Regular Rate 9.99%
    • Annual Fee $49
    • Monthly Fee None
    • Minimum Credit Bad

    Open SkySM Secured Visa® Credit Card


    open sky credit card
    • Secured Credit Card Min Deposit of $200
    • One-Time Fees None
    • Regular Rate 17.5% (V)
    • Annual Fee $29
    • Monthly Fee None
    • Minimum Credit Bad
    • Rewards Details
    • Additional Info
    • Build Your Credit, with monthly updates to all 3 credit bureaus.
    • Control Your Finances, start with a security deposit and credit line as low as $200.
    • Extra Credit When You Need It, increase your credit line up to $5000.
    • Avoid paying interest, no interest charged on new purchases if the balance is paid in full by the due date each month.
    • Easy funding options, with 4 ways to fund and NO checking account needed.
    • After your Account is open for one year or more Capital Bank will charge you a Credit Limit Increase Fee of $25.00 each time you add Deposit Funds and increase the Credit Limit and a Credit Limit Decrease Request Fee of $25.00 each time you request a reduction in your Credit Limit.
    • Apply in less than 5 minutes.
    • See All Reviews & Details About The Open SkySM Secured Visa® Credit Card

    Wells Fargo® Cash BackSM College Credit Card


    wells fargo cash back college card
    • 0% Purchases Not Offered
    • 0% Transfers Not Offered
    • Regular Rate 11.15% - 21.15% (V)
    • Annual Fee None
    • Rewards Rate 1% - 3% cash back
    • Rewards Bonus None
    • Minimum Credit Limited History
    • Rewards Details
    • Earn 3% cash back on gas, grocery and drugstore net purchases (purchases minus returns/credits) for 6 months and 1% cash back on all other net purchases.
    • Earn unlimited cash rewards with no complicated calculations, no minimum purchase requirements and no expiration dates.
    • Redeem your cash rewards your way. Cash rewards are redeemed in $25 increments and you can choose to have them automatically deposited into your savings or checking account or apply them as a principal payment to your qualifying personal loan. If you prefer, you can get them as a statement credit or check.
    • Boost your earning potential and find great deals at your favorite local and national stores at the Earn More Mall site.
    • Additional Info
    • Overdraft protection: You may link your credit card to your checking account to help avoid overdrafts.
    • Powerful mobile and online tools and apps to help manage your account and expenses, 24/7.
    • Zero Liability program: All Wells Fargo Credit Cards automatically protect you from liability for unauthorized transactions when you report them promptly.
    • Visa benefits: Auto rental collision damage waiver, Emergency card replacement, Roadside dispatch and Travel and emergency assistance services.
    • Verified by visa: Protect your Wells Fargo Visa card with a unique password for online shopping.
    • See All Reviews & Details About The Wells Fargo® Cash BackSM College Credit Card

    State Farm Bank Student Visa® Credit Card


    state farm bank student visa credit card
    • 0% Purchases Not Offered
    • 0% Transfers Not Offered
    • Regular Rate 11.24% - 18.24% (V)
    • Annual Fee None
    • Rewards Rate None
    • Minimum Credit Limited History

    Atlantic Stewardship Bank College Rewards Visa® Credit Card


    atlantic stewardship bank college rewards visa card
    • 0% Purchases Not Offered
    • 0% Transfers Not Offered
    • Regular Rate 11.99% - 22.99% (V)
    • Annual Fee None
    • Rewards Rate 1 point / $1
    • Rewards Bonus 1,000 points
    • Minimum Credit Limited History
    • Rewards Details
    • Earn one point for every net purchase dollar.
    • Plus, you have five years to redeem points for rewards.
    • Redeem your points for a wide variety of valuable reward options including, cash back, merchandise, travel and gift cards from your favorite retailers and restaurants.
    • Earn 1,000 bonus points with your first purchase.
    • Earn 500 reward points by enrolling in auto-pay.
    • Earn 500 reward points by enrolling in e-statements.
    • Additional Info
    • Zero Fraud Liability.
    • Travel Benefits: Auto Rental Collision Damage Waiver, Travel Assistance.
    • 24/7 Cardmember Service.
    • See All Reviews & Details About The Atlantic Stewardship Bank College Rewards Visa® Credit Card
    X
    Credit Score
    Excellent Credit 721 – 850
    Good Credit 661 – 720
    Fair Credit 620 – 660
    Bad Credit 300 – 619
    Limited Credit Less than 3 years
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    Community Discussion

    Ask a question or help others find the best student credit cards with no credit by sharing some tips.

     
    Mar 18, 2015
    By:
    I'm a student and have barely any credit, so a card built for me is hugely appreciated at this point in my life, and I use Discover It for Students. Honestly I'm not thrilled with the APR, which is 11% starting out but quickly grows to 18% or more after a few months. But I understand that since I don't have a credit history I don't have much bargaining power. The 5% cash back on cash and internet deliveries is amazing though, and I've already saved a bunch of money since I got the card. Their app to keep track of my spending is great too, and I think I'll definitely stick with this card until I qualify for a better one.
    Oct 18, 2014
    By:
    A teller told me about the Wells Fargo Student Credit card when I went to deposit my financial aide check. I applied right away and was approved. I only had a Capital One Secured card at the time. I was really amazed at how beneficial the Wells Fargo student credit card was for me. It was the first time that I had access to cash back. I started using it as much as I can, then paid the bill off in full each month. There offer many options for how you want to receive the cash back. I normally deposited it into my savings account, but then I switched to have it apply to my bill. The only thing I didn't like was that they started me off with the highest interest rate. I guess it's because I had no credit at the time.
    Sep 14, 2014
    By:
    I have the Journey Student Rewards from Capital One. What I like about this card is there is no annual fee and you get 1% cash back on all purchases. It’s a really nice credit card for students because there are a lot of other benefits. For example the rewards don’t expire on this card. I've used other credit cards where I didn't use them enough to get points so my rewards expire and I wasn't able to redeem them because there is a minimum amount before you can cash out. You can also get a higher credit line after making your first 5 payments on time.
    Sep 1, 2014
    By:
    I've never specifically had a credit card for students with no credit. However, browsing the cards above, it's something I'm really interested in pursuing. The Citi ThankYou Preferred Card for College Students looks is appealing because of the potential to earn bonus points, unlike my current card. Additionally, the regular rates, although somewhat variable, seem to potentially be lower than the rate on my current card. A rate of 13.99% is not bad at all considering my current card has a rate of nearly 20%! I've been a student for such a long time now, I'm shocked to find that I'm only learning the benefits of student credit cards right now. They really are important given that most people in college have virtually no credit history and it's important to build it.
    Aug 9, 2014
    By:
    The Wells Fargo Cash Back College Credit Card is amazing. There's no annual fee, which is a big bonus. I spend a lot on gas to commute to school everyday so it's nice to know that when I use this card to buy it, I get some of my hard earned money back. I’ve spent usually maxed out and gotten the 3% back, which is pretty high, but even 1% back would be great for me. I also have a Wells Fargo ATM in my school lobby, which makes it convenient to use the card to withdraw cash if I'm in a pinch.
    Mar 20, 2014
    By:
    While there is a definite feeling of accomplishment that comes along with qualifying for a card tailored to those with premium credit, in my experience, many of the perks and benefits that go along with those cards are not of any practical benefit to me.
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