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Student Credit Cards with No Credit

3.9 3.9 - 347 reviews for top rated card

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…show more

    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)
    Apply Now at issuer's secure site
    • Annual Fee None
    • Rewards Cash Back
    • Initial Bonus None
    • Earn Rate 1% - 1.25% cash back
    • 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.

    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)
    Apply Now at issuer's secure site
    • Annual Fee $0
    • Rewards Points
    • Initial Bonus 2,500 points
    • Earn Rate 1 - 2 points / $1
    • Travel with ease and enjoy global acceptance with Chip Technology.
    • No annual fee*.

    Primor® Secured Visa Gold Credit Card


    primor secured gold credit card
    • Secured Credit Card Min Deposit of $200
    • Annual Fee $49
    • Monthly Fee None
    • One-Time Fees None
    • Regular Rate 9.99%
    Apply Now at issuer's secure site

    Open SkySM Secured Visa® Credit Card


    open sky credit card
    • Secured Credit Card Min Deposit of $200
    • Annual Fee $29
    • Monthly Fee None
    • One-Time Fees None
    • Regular Rate 17.5% (V)
    Apply Now at issuer's secure site

    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
    • Initial Bonus None
    • Earn Rate 1% - 3% cash back
    • 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.

    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

    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
    • Initial Bonus 1,000 points
    • Earn Rate 1 point / $1
    • Zero Fraud Liability.
    • Travel Benefits: Auto Rental Collision Damage Waiver, Travel Assistance.
    • 24/7 Cardmember Service.

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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.

     
    Oct 18, 2014
    By:

    --Comment from Brutus Smith--

    Oct 18, 2014
    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:

    --Comment from Latoya Blackson--

    Sep 14, 2014
    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:

    --Comment from Caitlin Saia--

    Sep 1, 2014
    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:

    --Comment from Aloysius Chien--

    Aug 9, 2014
    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:

    --Comment from Casi Danielle--

    Mar 20, 2014
    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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