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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.

Student Credit Cards with No Annual Fee

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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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    4

    Blue Cash Everyday® Card from American Express

    american express blue cash credit card
    • 0% PURCHASES 15 months
    • 0% TRANSFERS 15 months ;   Fee.....3%
    • REGULAR RATE 12.99%-21.99%
    ANNUAL FEE $0
    REWARDS Cash Back
    BONUS $50
    BASE EARN 1%
    MAX EARN 3%
    • Get 50 Reward Dollars, redeemable for a $50 statement credit, after you make $1,000 in purchases with your new Card in the first three months.
    • Plus, get one year of Amazon Prime after you sign up for a new membership with your Card and meet the spending requirement in the same time period.
    • As an Amazon Prime member, you get unlimited FREE Two-Day Shipping on millions of items.
    • 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.

     
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    4.5

    TrueEarnings® Card from Costco and American Express

    costco credit card
    • 0% PURCHASES 6 months
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 15.24% (V)
    ANNUAL FEE $0
    REWARDS Cash Back
    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.
    • Terms and limitations apply; You will receive your cash back annually in the form of a reward coupon.
    • 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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    4

    Citi® Dividend® Card for College Students

    citi visa credit card for college students
    • 0% PURCHASES 7 months
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 13.99% - 23.99% (V)
    ANNUAL FEE $0*
    REWARDS Cash Back
    BONUS None
    BASE EARN 1%
    MAX EARN 5%
    • Build credit while earning cash back fast.
    • Earn 5% cash back every quarter in must-have categories like department stores, travel and more, enrollment each quarter is quick and easy.
    • Earn 1% cash back on all other purchases.
    • The total cash back earned with the card is $300 per calendar year. See Citi Dividend Card Reward Program Information.

     
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    5

    Upromise World MasterCard®

    upromise rewards credit card
    • 0% PURCHASES 12 months
    • 0% TRANSFERS 12 months ;   Fee.....3%
    • REGULAR RATE 12.99% - 20.99% (V)
    ANNUAL FEE None
    REWARDS Cash Back
    BONUS $50
    BASE EARN 1%
    MAX EARN 5%
    • You can earn 10% or more cash back on eligible online purchases through Upromise.
    • Start with a $50 cash back bonus after first use.
    • Earn 4% cash back on thousands of participating Upromise dining restaurants.
    • Earn 3% cash back on eligible gas purchases at Exxon or Mobil locations.
    • Earn 2% cash back on eligible movie theater locations.
    • Earn 1% cash back on all other purchases.

     
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    4

    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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    4

    Discover it® for Students

    discover it for students
    • 0% PURCHASES 6 months
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 12.99% - 21.99% (V)
    ANNUAL FEE $0
    REWARDS Cash Back
    BONUS None
    BASE EARN 1%
    MAX EARN 5%
    • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014 when you sign up.*

     
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    4.5

    Discover it® for Students with $20 Cashback Bonus

    discover student cash back credit card
    • 0% PURCHASES Not Offered
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 12.99% - 21.99% (V)
    ANNUAL FEE $0
    REWARDS Cash Back
    BONUS $20
    BASE EARN 1%
    MAX EARN 5%
    • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014 when you sign up.*
    • Experience our cash rewards with $20 Cashback Bonus® when you make your first purchase within 3 months of approval.*

     
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    4.5

    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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    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.


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