Credit Cards

College Student Credit Card-Best In 2022 (Read Now)

College Student Credit Card
Written by Jacob Efeni

I will be sharing with you, the Best College Student Credit Card of 2022Having your own credit card might not be important to you but along the line, you’ll notice it is worth going for if you really want to build a good credit score.

Mostly when you need to buy a house or finance a car, it can affect you or hinder you from being able to rent a house! So with that, I will be sharing with you  the Best Credit Cards For College Students.

Before all that, read through.

Can a full-time college student get a credit card?

A full-time college student can get a credit card so long as he/she is at least 18 years old and can afford the minimum monthly payment required.

Luckily, student credit cards offer lower fees and interest rates because they are specifically made for students.

When can you apply for a student card?

You can apply for a student card when you are at least 18 years above with a sufficient income either from a part-time job. In order to meet the card issuer requirement, they might also need you to be enrolled in college before you can get such a credit card (though this is not applicable to all credit cards)

Can a college student get a regular credit card?

Yes, students can get a regular credit card though it might need your credit history to apply. It is very much important to take note of the pros and cons of the said credit card before going for it. 

Also, note that it needs a good credit score to get qualify for the card along with an adequate source of income.

What should a college student use a credit card for?

There are different things you will need a credit card for as a student. Below are some of the things you can use a credit card for or what you can benefit from as a college student.

  • You start learning to handle emergencies
  • You learn to put up a budget
  • Help yourself in building your credit score
  • Get the Chance of earning rewards and many more.
College Student Credit Card
College Student Credit Card

Read Now: Best Credit Cards that Offers Cash Backs

Best college student credit card

Below are the best college student credit card

Capital One SavorOne Student Cash Rewards Credit Card

With a $0 annual fee, the capital one SavorOne student cash rewards credit card also has an accessible reward. With low fees, holders don’t need to worry about foreign transaction fees, annual fees, or balance transfer fees. It also has a signup bonus of $100 when the holder spends $100 in the first three months

As a student looking forward to using this card, you’ll need a credit score of 580 to 740.

Discover it® Student chrome

This credit card also has a $0 dollar annual fee and requires no credit score to apply. The credit card has unlimited cash back matches and also helps build credit. The Discover it® Student chrome has a 0% foreign transaction fee, no membership fee, higher rewards rate, and bonus categories.

Chase Freedom® Student credit card

Chase Freedom Student Credit Card has a $50 sign-up bonus when a purchase is made in the first three months. A $0 annual fee also allows its holder to get a 1% cash back on every purchase being made. Users also earn credit limit increases after making 5 monthly payments within 10 months.

Discover it® Student Cash Back

This credit card also has a $0 annual fee, need no credit score to apply for the  Discover it® Student Cash Back. 

Cardholders also earn 5% cash back on everyday purchases being made on every purchase made at different places. Sadly, it has complicated rewards.

Credit Card For Students With No Credit

Continue reading below

Deserve® EDU Mastercard for Students

Some of the pros of the Deserve® EDU Mastercard for Students are:

  • No foreign transaction fee
  • No credit score is required ($0 annual fee)
  • Don’t require a social security number to apply.
  • Users earn 1% on every purchase being made with their Deserve® EDU Mastercard for Students
  • Requires no deposit fee.

The Deserve Mastercards are issued by Celtic Bank, Member FDIC.

Capital One Quicksilver Student Cash Rewards Credit Card

  • Has a solid cash back benefit
  • Requires no foreign transaction fee
  • No Annual fee
  • Users are being considered for a credit increase when a user must have used the card for at least 6 months.

Journey Student Rewards from Capital One

The Journey Student Rewards from Capital One is just another credit card that a college student can consider.

Cardholders can earn $5 per month on a monthly subscription on a select streaming subscription when they pay on time.

With no annual fee, this credit card also has a possible credit line increase after the first five on-time payments. The card requires a fair to good credit score.

Discover it® Secured Credit Card

Of all credit cards, this card allows you to upgrade to a regular card and also gives rewards also; $0 annual fee, no monthly fee. The card also requires no credit score to apply. The card comes with great advantages. One of the advantages I love the most about the card is the notification alert you get. As a user of the card, you’ll get an alert when your social security number is being found on dark websites.

The Discover it® Secured Credit Card helps in building or rebuilding credit cards.

Also Read: Target Credit Card (all you need to know)

Frequently Asked Questions About Student Credit Cards

Which credit card is best for college?

All the above-mentioned credit cards are best for students but it will be of more good to check through and gather more information about them before picking one of your choices.

Can a student with no income get a credit card?

Yes, it is very much possible to get a credit card with no income though you might need to be an authorized user on someone else’s account. You can also get a cosigner who should be an adult.

Can I use my parent’s income for a credit card?

Even if they will have to pay for you, you can’t use any relative income in a credit application

Does applying for a credit card hurt your credit?

Applying for a credit card can result in a negative outcome, a hard inquiry is being made whenever you apply for a credit card.

We have a soft inquiry and the hard inquiry, the soft inquiry is being made whenever you ask for your credit report or you apply for a pre-approval. While the hard inquiry is being made when you apply for a new credit card

Why credit cards are bad for college students?

A credit card might be bad for most college students who don’t know how to manage their limits and end up in debt. Don’t forget it also has a good advantage.

Is it smart to get a credit card in college?

It is smart to get a credit card in college that way it will help to learn good credit habits. Also having a credit card as a college student help in working on emergencies which will put parents in comfort.

Help yourself build up your credit history and credit score, though note that to get that you need to avoid making a late payment

What is needed for a student credit card?

For you to get a credit card of your own there are things needed to own a credit card

These things are:

  • Must show you do earn a sufficient income
  • Must be a U.S citizen or resident with an SSN number (social security number)
  • Must be 18 years or older
  • Prove that you enroll in school
  • Have a good credit score (though you can go for a secured credit card)

What is a typical student credit card limit?

An average credit limit is known to be $500. Student credit card is known to have a low credit limit.

Can I build credit at 17?

You can start building credit at 17 though as an authorized user

Do student credit cards affect credit score?

No

Is it hard to get a student credit card?

No

Can you buy anything with a student credit card?

You can buy anything with your credit but it is best to purchase only everyday and essential items needed daily.

Can you get a credit card as a full-time student?

Yes

How do I apply for a student card?

First of all, it is very important to know what you want and how to go about it. To apply for a credit card, make sure you consider the following below.

  • Make a research on a credit card of your choice
  • Learn about the application requirements
  • Gather proof of you being enrolled in school
  • Gather cosigner information if needed (which depends on your age and income)
  • Then apply for your credit card of choice

When can you apply for a student card?

You can apply for a credit card when you are 18 years or older and when you start earning a sufficient income.

Conclusion/ Final Verdict

Of all the listed credit cards available for students, most are known to accept people with low credit scores.

But the most important of all, it is required that you give all necessary proof of getting those listed credit cards.

About the author

Jacob Efeni

Brillaweb is owned by Jacob Efeni, an internet marketer, Seo expert, writer, and affiliate marketer, under Brillaweb Connect. The blog is an information blog that gives you top-notch articles on Banking, Finance, Business, Mortgage, Insurance, Entrepreneurship, and Credit cards.