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0% APR Student Credit Cards

 0 apr student credit cards

Narrow your search for a 0% APR Student Credit Card

College is costly, and students are often unable to immediately pay down certain expenses like books or a computer. Rather than incur the added cost of interest or experience the discomfort that comes with falling behind on your bills, consider opening a 0% APR student credit card in order to buy yourself more time to pay off those big-ticket purchases that seem to be inextricably linked to higher education. Student credit cards with no interest work like any no interest credit card in that they have introductory periods, usually lasting six months or more, during which interest is not applied to the revolving balance. When the 0% intro period concludes, a regular APR ranging anywhere from 10% to 25% will kick in. It is therefore important to pay the majority of your balance before the 0% period concludes, and a payoff calculator can help you determine the monthly payments necessary to do so. Some of the 0% APR student credit cards listed below offer 0% on balance transfers as well, making them apt for saving money on existing debt. Use the filters on the left to compare 0% APR student credit card offers, and apply online for the card of your choice.

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    3.5

    Blue Cash Everyday® Card from American Express

    american express blue cash credit card
    Rates:
    • 0% on Purchases 12 months
    • 0% on Transfers Not Offered
    • Regular Rate 12.99%-21.99%
    Annual Fee $0
    Rewards Cash Back
    Initial Bonus $100
    Base Earn 1%
    Max Earn 3%
    • Earn 100 Reward Dollars after you make $1,000 in purchases in the first three months of Cardmembership.
    • Earn Cash Back: 3% at US supermarkets, up to $6,000 per year in purchases, 2% at US gas stations & select US dept stores, 1% on other purchases. Terms and limitations apply.
    • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
    • Simple and Straightforward: With the Blue Cash Everyday Card, you can start earning cash back. No rotating reward categories. No enrollment required.

     
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    4

    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% - 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.

     
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    4

    Citi® Dividend® 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% - 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.

     
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    4

    Discover it® for Students

    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).

     
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    4.5

    TrueEarnings® Card from Costco and American Express

    costco credit card
    Rates:
    • 0% on Purchases 6 months
    • 0% on Transfers Not Offered
    • Regular Rate 15.24% (V)
    Annual Fee $0
    Rewards Cash Back
    Initial Bonus None
    Base Earn 1%
    Max Earn 3%
    • 3% Cash back at US gas stations and on gasoline at Costco up to $4,000 per year in purchases, then 1%.
    • 2% cash back at US restaurants; 2% cash back on eligible travel purchases, including at Costco; 1% cash back on other purchases, including at Costco.
    • The Two-In-One Card: it's an American Express® Card and Costco membership card, with no annual fee for Costco members.

     
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    2.5

    BankAmericard Cash Rewards™ for Students

    bankamericard cash rewards for students
    Rates:
    • 0% on Purchases 12 months
    • 0% on Transfers 12 months ;   Fee.....3%
    • Regular Rate 12.99% - 22.99% (V)
    Annual Fee None
    Rewards Cash Back
    Initial Bonus $100
    Base Earn 1%
    Max Earn 3%
    • 1% cash back everywhere, every time.
    • 2% cash back on groceries and 3% cash back on gas (quarterly maximum applies to bonus rewards on grocery and gas purchases).
    • Enjoy a 10% cash reward bonus when you redeem your rewards directly into your Bank of America checking or savings account.
    • As a special bonus, earn a $100 cash back bonus after you make $500 in purchases in the first 90 days of account opening.
    • Choose how you want to redeem your cash. Deposit into your Bank of America account, take a statement credit, or request a check.

     
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    4

    BankAmericard Travel Rewards® for Students Credit Card

    aba business credit card
    Rates:
    • 0% on Purchases 12 months
    • 0% on Transfers Not Offered
    • Regular Rate 14.99% - 22.99% (V)
    Annual Fee None
    Rewards Points
    Initial Bonus 10,000 points
    Base Earn 1.5 points / $1
    Max Earn 1.5 points / $1
    • Earn 10,000 bonus points after you make $500 in purchases within 90 days of account opening
    • Earn 1.5 points for every dollar spent on purchases - 50% more than the average rewards program that only offers 1 point per dollar
    • Simply pay for your travel with your card. Then, call or go online and redeem your points for a statement credit towards all or part of your travel purchases

     
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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 0% APR Student Credit Cards shown on this page.

    User's top rated card in this category: 4.3 / 5 - 401 votes 4.3