Best Credit Cards for College Students: Top Picks for 2020


We’re big advocates for getting a credit card in college (as long as it’s used wisely, of course). Student credit cards are a great way to build credit and learn healthy financial skills. Plus, they’re a tool to have peace of mind in the event of an emergency, and on top of that, you can earn cash back and other rewards from their use – something that’s always helpful in college. If you’re thinking about getting a student credit card, but aren’t sure what your options are, take a look at our picks for the best credit cards for college students below!

Deserve EDU and Deserve PRO Credit Cards

We’ve talked about Deserve’s student credit cards before, and for good reason! Deserve is a credit card company that’s dedicated to helping people establish credit, and offer a few credit cards to help do so. Learn more about what they offer in our article here.

Discover it® Chrome for Students

Discover is one of the most well-known credit card companies around, but you might now know that they also offer a credit card for college students! The Discover it® Chrome for Students card not only helps students build credit, but also offers features like:

  • A “good grade reward”
  • 2% cash back on restaurants and gas stations
  • 1% cash back on everything else
  • No annual fee

Learn more about the Discover it® Chrome for Students here.

Journey® Student Rewards from Capital One®

Capital One is another popular credit card company, now with a credit card for college students! With this card, you can choose a monthly due date to make payments on a date that works best for you. It features no annual fee and no foreign transaction fees. Best of all, you earn 1% cash back on all of your purchases, and when you pay on time, you’ll earn 1.25% cash back for that month!

Citi Rewards+℠ Student Card

The Citi Rewards+℠ Student Card’s defining feature is their points. It rounds up to the nearest ten points on every purchase, which you can redeem for gift cards once you accrue enough points. When you spend $500 in the first three months, you’ll also get an extra 2,500 bonus points, redeemable for a $25 gift card. Plus, it has no annual fee and a 0% intro APR for the first seven months.

When it comes to credit cards for college students, there are a lot of options out there. With benefits like these, you’ll be on your way to building credit – and earning some great rewards – in no time!