Paul Kessler, WalletHub Credit Card Analyst
@p.kessler
The best credit card for medical students is the Capital One Savor Student Cash Rewards Credit Card (see details, rates & fees) because it has a $0 annual fee and offers an initial bonus of $50 for spending $100 in the first 3 months. The Capital One Savor Student Cash Rewards Credit Card also gives 1 - 8% cash back on purchases.
Best Credit Cards for Medical Students
If you have limited credit, student cards can give you better terms than you’d normally be eligible for. And contrary to what some people might believe, student cards aren’t just for undergrads. The average med school student is around 24 years old, and as long as you’re enrolled in a school and don’t have bad credit, you have great odds.
To qualify for a student card, you’ll usually have to provide some information about your enrollment in a U.S. college or university. This may include what year in school you are and whether you’re a full-time or part-time student, along with the name of your school and your mailing address there. Even if you have no credit history, passing that test should allow you to qualify.
But student cards don’t hold up as well against cards for good credit. If you already have a 700+ score, you should be able to get one of the best credit cards on the market.
Popular Student Credit Cards in October 2025 from Our Partners
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Dining & Entertainment
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Cash Rewards
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No Credit Check
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Good Credit
Dodger Bernard, Member
@dodger_bernard
There aren't any special credit cards for med students. Any student credit with decent fees and rewards should be fine. I like the Discover it Student Chrome. It has a great rewards bonus.
Rob Hennesey, Member
@rob_hennesey
The same cards that work for all students: secured cards or starter cards, like Journey.
People also ask
Which type of credit card is best for students?
The best type of credit card for a student is a student credit card with no annual fee, like the Capital One Savor Student Cash Rewards Credit Card (see details, rates & fees), because it can give you better terms than other credit cards for limited credit. The best student credit cards offer $0 annual fees, attractive rewards and sometimes even 0% intro rates. Student credit cards are also easy to get approved for with limited or no credit.
Banks and credit unions tend to offer...
read full answer by Milvionne Chery Copeland, WriterWhat is the best second credit card for students?
The best second credit card for students who have built good credit is the Chase Freedom Unlimited card. It offers 5% cash back on travel through Chase Travel, 3% back at restaurants and drugstores, and 1.5% back on all other purchases. To get the Chase Freedom Unlimited card, applicants generally need a credit score of 700+, so this card is not available to students as a first credit card.
Your first credit card in college should be a student card because they usually offer lower fees, better APRs, and higher rewards rates, when compared to general-consumer cards for...
read full answer by Bianca Smith, WalletHub Credit Cards AnalystWhat are the best credit cards for doctors?
One of the best credit cards for doctors is the NIH Federal Credit Union Visa® Signature Cash Rewards credit card because it gives 1 - 4 points per $1 spent on purchases. You can also use your rewards to donate to NIH charities if you wish, and there’s no annual fee.
Similarly, the NIH Federal Credit Union Visa® Signature Travel Rewards card offers 1 - 3 points per $1 spent on purchases, plus an initial bonus. Just keep in mind that you need to be an NIH Federal Credit Union member to apply for an NIH credit card....
read full answer by Maria Adams, Credit Cards ModeratorDid we answer your question?
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