The best travel credit card for students is the Bank of America Travel Rewards credit card for Students. It offers 3 points per $1 spent at the Bank of America Travel Center and gives 1.5 points per $1 on everything else. It also has an initial bonus of 25,000 points for spending $1,000 in the first 90 days. Plus, the card gives 10% extra points when you have a BofA checking account, and there’s an introductory APR of 0% for 12 months on purchases. On top of all that, the card has a $0 annual fee and a $0 foreign transaction fee.
Another good option is Journey Student Rewards from Capital One. There’s a $0 annual fee and a $0 foreign transaction fee. It gives unlimited 1% cash back on all purchases, or 1.25% if you pay on time.
One last choice to think about is Discover it Chrome for Students. Like the other cards, its annual fee is $0 and there’s no foreign transaction fee. But the rewards are pretty high - 2% cash back on the first $1,000 spent at gas stations and restaurants per quarter; 1% all other purchases. And Discover matches all rewards earned during the first year on your first account anniversary. You also get a $20 bonus each year you have a 3.0+ GPA.
The Discover it Chrome for students. You get dollar for dollar match for all the cash back you earn your first year, you have 2% cash back at restaurants and gas stations, and 1% for all other purchases, and you also get rewards if you have good grades.
The best Chase credit card for students is the new Chase Freedom Student Card, which launched in June 2019. The Chase Freedom Student Credit Card has a $0 annual fee and gives 1% cash back on all purchases. It has some nice rewards bonuses, too, starting with 5,000 bonus points (worth $50 as a statement credit) simply for making a single purchase within three months of opening an account. Plus, keeping your account in good standing by paying your monthly bills on time is good for a $20 bonus each year for up to five years.… read full answer
Those rewards rates and fees are pretty good, though not quite on par with the best student credit cards on the market right now. Perhaps the worst thing about the offer is the fact that you can’t apply for the Chase Freedom Student Card online. You have to visit a Chase branch location to get it.
Before Freedom for Students, there had been no Chase student credit card available for years, ever since the old Chase +1 Student Mastercard was discontinued. That old Chase credit card for college students had no annual fee and gave points to cardholders who paid their bill on time, took financial literacy quizzes, etc.
When it was still being offered, the +1 Student Card was available to newcomers with limited or no credit history. That’s important because the replacement that Chase tried to pawn off on college students afterward, the Chase Freedom Unlimited Card, requires at least good credit history for approval. Chase Freedom Unlimited, one of the best cash back credit cards overall, was never officially branded as being for students. But Chase recommended it for these scholarly credit newcomers on its website for a while.
Now, however, things are looking up for college students shopping for a credit card. Chase, one of the largest credit card companies around, has now officially rejoined the ranks of student credit card issuers. As a result, 6 of the 7 biggest credit card issuers in the U.S. have at least one credit card offer for college students.
The best Visa credit card for students is Journey Student Rewards from Capital One because it has great cash back rewards, gives you extra for paying on time and doesn’t charge an annual fee. But there a lot of good options to consider. For example, Bank of America Cash Rewards for Students is great for 0% interest at the start, and the Travel Rewards BofA Student Visa has terms well-suited to study abroad.… read full answer
In general, despite having little credit experience, college students can expect better-than-average rates, fees and rewards because they have high earning potential and many years of financial needs ahead of them. Banks want to get in early, in other words. And you can take advantage of that by getting a great student credit card and saving lots of money.
Here are the best Visa credit cards for students:
Most Cash Back – Journey Student Rewards from Capital One: The normal cash back rate is 1%, but you can get 1.25% if you pay your bill on time. There’s no annual fee and you don’t need a credit history in order to be approved.
Intro APR – Bank of America Cash Rewards Credit card for Students: This card won’t charge you any interest for 12 months, both on purchases and on balance transfers. You get 3% cash back on your first $2,500 in gas, 2% at grocery stores and wholesale clubs, and 1% on everything else. There’s also a $150 bonus when you spend $500 in the first 90 days. And there’s no annual fee, nor do you need a credit history.
Travel Benefits – Bank of America Travel Rewards credit card for Students: If you’re planning to travel often, this card is for you. You get unlimited 3 points per dollar on Amex Travel 1.5 points per dollar on all other purchases. And you get 20,000 bonus points when you spend $1,000 in purchases in the first 90 days. The card doesn’t have an annual fee and there’s no credit history necessary for approval.
Insurance Benefits – State Farm Bank Student Visa Credit Card. You get 3 points per dollar on up to $4,000 in insurance premium payments per year, and one point per $2 on other purchases. You’ll also get student discounts on various products. There’s no annual fee, and you don’t need a credit history.
Any of these choices are good for students, but Journey Student Rewards and Bank of America Cash Rewards are probably the best two because they offer cash back rewards and don’t charge annual fees. You’ll be able to get the most consistent value out of them. But it’s good to look at cards from networks other than Visa, too. Some of the best choices include Discover it for Students and the Capital One Secured Mastercard.
The easiest credit cards for students to get are student credit cards for applicants with limited or no credit history and secured credit cards, which are available to people with no credit or even bad credit. Since college students tend to have higher incomes in the long term, issuers are willing to extend them better offers than most people without established credit could get. Think of it as an investment in a student’s future financial needs, which could prove quite profitable for a bank that gets in on the ground floor.… read full answer
The best student credit cards, including Capital One Journey and Bank of America’s student travel rewards card, will be easy to get as long as you’re enrolled in school and have at least a small income as well as a credit score that’s anything but bad. In fact, you can get them even if you don’t have a credit score yet because you’ve never had a loan or line of credit before. And if you do have bad credit, a secured card will still be pretty easy to get.
Here are some easy credit cards for students to get:
Journey Student Rewards from Capital One: No annual fee or foreign transaction fee. 1% cash back on all purchases (1.25% when you pay your monthly bill on time). You can get this card with limited credit.
Discover it chrome for Students: No annual fee or foreign transaction fee. 2% cash back on $1,000 spent on gas and dining at restaurants each quarter. 1% everywhere else. 1st year earnings matched. $20 bonus each year your GPA is 3.0+. You can get this card with limited credit.
Bank of America Cash Rewards credit card for Students: No annual fee. 3% foreign transaction fee. $150 bonus when you apply online and spend $500 in the first 90 days. 2% cash back at grocery stores and wholesale clubs, plus 3% on gas (first $2,500 in combined purchases). 1% cash back on all other purchases. You can get this card with limited credit.
Bank of America Travel Rewards credit card for Students: No annual fee or foreign transaction fee. 20,000 points when you apply online and spend $1,000 in the first 90 days. 1.5 points per $1 on all purchases. You can get this card with limited credit.
Capital One Secured Mastercard: No annual fee and no foreign transaction fee. No rewards. Minimum security deposit of $49, $99, or $200. You can get this card with bad credit.
Discover it Secured Card: No annual fee or foreign transaction fee. 2% cash back on $1,000 spent at restaurants and gas stations every three months. 1% on all other purchases. Discover matches all your cash back from the first year. You can get this card with bad credit.
The easiest credit cards for students to get allow young people to begin building credit before entering the real world. If you use your card responsibly and pay your bills on time, you should be able to get a better deal once you graduate. And that’s true whether you’re starting with a student credit card or a secured card.
I think Journey from Cap One is pretty good, especially since you don't need a SSN to apply for it.
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