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Student Credit Cards with No Credit

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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    3.5

    JourneySM 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 Cash Back
    BONUS None
    BASE EARN 1%
    MAX EARN 1.25%
    • Earn 1% cash back on every purchase, every month–and pay no annual fee.
    • For every month you pay on time, you receive a 25% bonus–that's 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.

     
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    3

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

    citi thankyou students credit card
    • 0% PURCHASES 7 months
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 13.99% - 23.99% (V)
    ANNUAL FEE $0
    REWARDS Points
    BASE EARN 1 point / $1
    MAX EARN 2 points / $1
    • 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.

     
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    3.5

    First Progress Platinum Elite MasterCard® Secured Credit Card

    Platinum Secured Credit Card from First Progress
    • SECURED CREDIT CARD Min Deposit of $300
    • ANNUAL FEE $29
    • MONTHLY FEE None
    • ONE-TIME FEES None
    • REGULAR RATE 19.99% (V)
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    4

    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 Cash Back
    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.
    • Boost your earning potential and find great deals at your favorite local and national stores at the Earn More Mall site.

     
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    3

    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 None
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    3

    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% - 20.99% (V)
    ANNUAL FEE None
    REWARDS Points
    BASE EARN 1 point / $1
    MAX EARN 1 point / $1
    • 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.

     
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    3

    Bangor Savings Bank College Rewards Visa® Credit Card

    bangor savings bank college rewards visa card
    • 0% PURCHASES Not Offered
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 11.99% - 20.99% (V)
    ANNUAL FEE None
    REWARDS Points
    BASE EARN 1 point / $1
    MAX EARN 1 point / $1
    • 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.

     
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    COMMUNITY DISCUSSION

    Help others find the best student credit cards with no credit by sharing what your deciding factor was when choosing your card (customer service, interest rate, fees, convenience, rewards, etc.)

     
    October 18, 2014
    Photo of Brutus S.
    By: Brutus Smith
    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 more
    September 14, 2014
    Photo of Latoya B.
    By: Latoya Blackson
    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.
    September 1, 2014
    Photo of Caitlin S.
    By: Caitlin Saia
    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 more
    August 9, 2014
    Photo of Aloysius C.
    By: Aloysius Chien
    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.
    March 20, 2014
    Photo of Casi D.
    By: Casi Danielle
    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.