Yes, student credit cards are easier to get than most other credit cards if the applicant is a college or graduate student with enough income to pay credit card bills. Student credit cards approve applicants with limited/no credit, so students will meet the credit score requirement provided they don’t have a bad score.
In addition, applicants must be at least 18 years old with a U.S. mailing address to get approved for a student credit card. They also need to be a student, of course, and they must have an SSN or ITIN, too. Besides the student rule, these are pretty basic requirements for all credit cards.
The main difference between a student credit card and a regular credit card is that student credit cards offer better rewards, rates, and fees than other credit cards for people with limited or no credit. Student credit cards are also meant for college and graduate students, while other cards don’t have the same requirement. Otherwise, … read full answerstudent credit cards work the same way as most other credit cards.
Student credit cards usually offer better terms than other starter credit cards because students tend to be young and have above-average earning potential. Credit card issuers want to attract them for future business and might offer a better deal than a student may deserve based solely on their current income and experience.
Student Credit Card vs. Regular Credit Card
Student Credit Cards
Regular Credit Cards
Credit Levels Accepted
Limited, fair, good, excellent
Bad, limited, fair, good, excellent
$300 - $5,000
$200 - $50,000+
Reported to Credit Bureaus?
Must Be a Student?
$21, on average
Student-specific benefits, such as a statement credit to cardholders for good grades
Valuable perks, such as airport lounge access or extensive travel insurance
While student and regular credit cards are similar to one another in most respects, student cards are better for people with limited credit history than most other credit cards for no credit. To see great options in both categories, check out WalletHub’s picks for the best student cards and the best starter cards currently on the market.
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