Cash Back Student Credit Cards

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Customize Your Search for a Student Credit Card with Cash Back

If you’re a college student, a student credit card with cash back can help you save on your biggest expenses without the hassle of redeeming points or miles. There are cash back student credit cards for all credit levels listed below, which means you’ll be able to benefit whether you have no or limited credit, as is the case with most college students, or have responsibly used your own credit card for years, thereby garnering fair or even good credit. In addition to a base cash back earning rate, some of the cash back student credit cards listed below may have more lucrative rewards for specific spending categories (e.g. gas, food, office supplies). We recommend getting the card with the highest cash back rate for the type of purchases you make most frequently. In addition, we caution you not to let rewards distract you from the importance of paying your bill in full every month. Your main goals in using any student credit card should be building the foundation to a solid credit history and entering the “real world” with as little debt as possible. With that being said, compare the student cash back credit cards listed below as well as other types of student credit cards and apply online for the offer that best meets your particular needs.

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3.5

Blue Cash Everyday® Card from American Express

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.

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

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.

4.5

TrueEarnings® Card from Costco and American Express

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.

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.