What are the easiest credit cards for students to get?

Question

You can generally apply for a student credit card online or at a branch. In some cases, you can also apply over the phone, depending on the card. To be eligible for approval, applicants must be at least 18 years old, earn enough income to afford monthly bill payments, and have limited credit or better (just not bad credit).

To fill out a student credit card application, you will need to provide your annual income, your...

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Answer 1 · 2023-08-10 07:29:44

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WalletHub, Financial Company

@WalletHub • 08/10/23 This answer was first published on 04/29/18 and it was last updated on 08/10/23.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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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.

The best student credit cards, including Capital One Quicksilver Student Cash Rewards Credit Card and the Capital One SavorOne Student 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 (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.

Easiest Student Credit Cards to Get

Rates & FeesBest for Cash Back: Capital One Quicksilver Student Cash Rewards Credit CardCapital One Quicksilver Student Cash Rewards Credit CardLearn MoreLearn Moreon issuer's website
Rates & FeesBest Secured Card: Capital One Platinum Secured Credit CardCapital One Platinum Secured Credit CardLearn MoreLearn Moreon issuer's website
Rates & FeesGood Approval Odds: Capital One Quicksilver Secured Cash Rewards Credit CardCapital One Quicksilver Secured Cash Rewards Credit CardLearn MoreLearn Moreon issuer's website

In general, student credit cards 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.

Answer 2 · 2018-07-16 10:36:04

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Derek Sanders, Member

@sapphire_fan • 07/16/18 This answer was first published on 07/16/18. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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If you also want to use your card abroad, Discover it® Student Chrome is hands-down your best pick. Otherwise, Bank of America® Customized Cash Rewards credit card for Students. I have it and I'm very happy with it.

Answer 3 · 2018-05-24 14:43:36

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Elisabeth Braves, Member

@elisabeth_b • 05/24/18 This answer was first published on 05/25/18 and it was last updated on 05/24/18.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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I love the Discover it® Student Cash Back card. You get dollar for dollar match for all the cash back you've earned at the end of your first year, 1% cash back on all purchases, and 5% at different places each quarter.

Answer 4 · 2018-05-24 07:22:17

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emma_glass, Member

@emma_glass • 05/24/18 This answer was first published on 05/24/18. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Discover it® Student Chrome and Journey Student Rewards from Capital One are the best ones, hands down. That being said, I wouldn't say they're the easiest ones to get, those would be secured cards.

What are the easiest credit cards for students to get?

WalletHub, Financial Company

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