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Student Credit Cards with No Annual Fee

 student credit cards with no annual fee

Student Credit Cards with No Annual Fee

For most students, building a solid credit history should be a top priority, seeing as your credit score represents your fiscal responsibility to lenders, insurance companies and, in some cases, employers. Using a student credit card with no annual fee is the best way to build credit cost-effectively given such a card’s obvious lack of an annual financial obligation and the fact that it will report monthly to the major credit bureaus whether you actually use it to make purchases or not. The following list of student credit cards with no annual fee may contain both secured and unsecured cards as well as cards with different kinds of rewards, and we suggest comparing the different options in order to find the best card for your particular needs. Still, we must caution that if these needs include revolving a monthly balance in order to finance necessary big-ticket purchases, a student credit card with no annual fee might not actually be ideal. If you won’t be able to pay your bill in full every month, check out 0% APR student credit cards before ultimately applying online for the card of your choosing.

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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

    Discover it® for Students with $20 Cashback Bonus

    discover student cash back credit card
    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).

     
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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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    3.5

    KeyBank College Rewards Credit Card

    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.

     
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    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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    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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    3.5

    JourneySM Student Rewards from Capital One®

    capital one student rewards credit card
    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.

     
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    3

    State Farm Bank Student Visa® Credit Card

    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
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    4

    Sony Card from Capital One®

    sony credit card
    Rates:
    • 0% on Purchases until March 2014
    • 0% on Transfers Not Offered
    • Regular Rate 13.9% - 24.9% (V)
    Annual Fee None
    Rewards Points
    Initial Bonus 5,000 points
    Base Earn 1 point / $1
    Max Earn 5 points / $1
    • 5 points per $1 on Sony purchases at authorized retailers.
    • 3 points per $1 on dining out and movie purchases.
    • 1 point per $1 spent on all other purchases.
    • Redeem for Sony products, movies, music, and more.

     
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    4.5

    Wells Fargo® Cash BackSM College Credit Card

    wells fargo cash back college 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. Automatically deposit them into your savings or checking account or apply them as a principal payment to your personal loan. If you prefer, you can get them as a statement credit or check. Redeem your points in $25 increments.

     
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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 Student Credit Cards with No Annual Fee shown on this page.

    User's top rated card in this category: 4.4 / 5 - 107 votes 4.4