Student Credit Cards with No Credit

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Narrow your search for College Student Credit Cards with No Credit

In light of the law’s requirement that people under the age of 21 must either declare on their application that they have sufficient income/assets to cover a new credit card’s monthly payments (usually 3% of the balance) or have a co-signer in order to qualify for a credit card, it has become a bit more difficult for young people to build a solid credit history. Nevertheless, as a college student, you should not ignore the direct correlation between the length and quality of your credit history and the mortgage terms, car financing, and jobs you’ll be eligible for. Opening one of the many credit cards for college students with no credit history is therefore extremely important. While credit cards for no credit students typically do not have the best terms in the market, given that those students lack a track record in handling credit, the rates, fees and rewards they offer are average and far better than those found on student credit cards with bad credit. Listed below are both secured and unsecured credit cards for students with no credit history. Either type of card will report to the major credit bureaus, thereby allowing you to build credit, but if you want to develop a solid credit history as inexpensively as possible, we recommend picking a no annual fee student credit card that you pay off in full every month.

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4

Citi Forward® Card for College Students

Rates:

0% on Purchases 7 months
0% on Transfers Not Offered
Regular Rate 13.99% - 23.99% (V)

Annual Fee $0*

Rewards Points

Initial Bonus None

Base Earn 1 point / $1

Max Earn 5 points / $1

No Cosigner Required.
5 ThankYou® Points for every $1 you spend at restaurants and on entertainment; 1 point per $1 on all other purchases.
100 ThankYou Points each billing period that you pay on time and stay under your credit line.

4

Citi® Dividend® Card for College Students

Rates:

0% on Purchases 7 months
0% on Transfers Not Offered
Regular Rate 13.99% - 23.99% (V)

Annual Fee $0*

Rewards Cash Back

Initial Bonus None

Base Earn 1%

Max Earn 5%

Earn bonus cash back each quarter on new must-have categories– like department stores, travel and more, with enrollment.
Earn a full 1% cash back on all other purchases.
Free enrollment each quarter for new categories that earn additional cash back.
Manage your account online, on your tablet or on your Smartphone.

4

Discover it® for Students

Rates:

0% on Purchases 6 months
0% on Transfers Not Offered
Regular Rate 12.99% - 18.99% (V)

Annual Fee $0

Rewards Cash Back

Initial Bonus None

Base Earn 1%

Max Earn 5%

Brand new, Discover it® is out to change the way you think about credit cards.
Generous…5% cash back in categories that change throughout the year like gas, restaurant, movies, and more up to $1,500 in purchases with free and easy sign-up. And 1% cash back on all other purchases. Enjoy more quarterly 5% programs in categories like gas, online shopping and more throughout the year up to the quarterly cap when you sign up for each program.
And get unlimited 1% cash back on all other purchases at over 8 million merchants nationwide (Nielson Report, Feb 2013).

4

Discover it® for Students with $20 Cashback Bonus

Rates:

0% on Purchases Not Offered
0% on Transfers Not Offered
Regular Rate 12.99% - 18.99% (V)

Annual Fee $0

Rewards Cash Back

Initial Bonus $20

Base Earn 1%

Max Earn 5%

Brand new, Discover it® is out to change the way you think about credit cards.
Generous…5% cash back in categories that change throughout the year like gas, restaurant, movies, and more up to $1,500 in purchases with free and easy sign-up. And 1% cash back on all other purchases. Enjoy more quarterly 5% programs in categories like gas, online shopping and more throughout the year up to the quarterly cap when you sign up for each program.
And get unlimited 1% cash back on all other purchases at over 8 million merchants nationwide (Nielsen Report, Feb 2013).

3.5

First Progress Platinum Elite MasterCard® Secured Credit Card

Secured Credit Card / Min Deposit of $300
Annual Fee $29
Monthly Fee None
One-time Fees None
Regular Rate 19.99% (V)

3.5

Journey^SM Student Rewards from Capital One®

Rates:

0% on Purchases Not Offered
0% on Transfers Not Offered
Regular Rate 19.8% (V)

Annual Fee None

Rewards Cash Back

Initial Bonus None

Base Earn 1.25%

Max Earn 1.25%

Get 1% cash back on all purchases, plus a 25% bonus each month you pay your bill on time.
Cash rewards don't expire.
There's no limit to the amount of cash you can earn.
Get your cash back anytime as an account credit or check, even set up automatic redemption.

3.5

KeyBank College Rewards Credit Card

Rates:

0% on Purchases Not Offered
0% on Transfers Not Offered
Regular Rate 11.99% - 20.99% (V)

Annual Fee None

Rewards Points

Initial Bonus 1,000 points

Base Earn 1 point / $1

Max Earn 1 point / $1

Earn 1 point for every dollar in net spend.
1,000 bonus points for first use.

3

State Farm Bank Student Visa® Credit Card

Rates:

0% on Purchases Not Offered
0% on Transfers Not Offered
Regular Rate 11.24% - 18.24% (V)

Annual Fee None

Rewards None

4.5

Wells Fargo® Cash Back^SM College Credit Card

Rates:

0% on Purchases Not Offered
0% on Transfers Not Offered
Regular Rate 11.15% - 21.15% (V)

Annual Fee None

Rewards Cash Back

Initial Bonus None

Base Earn 1%

Max Earn 3%

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.