Maria Adams, Credit Cards Moderator
@m_adams
There are no guaranteed approval student credit cards. You'll always have to meet some criteria to get approved for a credit card, such as a certain credit score or minimum income. The best option for students is a credit card without an annual fee that helps them build credit by reporting to the major credit bureaus (TransUnion, Experian and Equifax) on a monthly basis. If they can score some rewards along the way, that's just the cherry on top.
One good option to consider is the Capital One Savor Student Cash Rewards Credit Card. This card offers 1 - 8% cash back on purchases and has a $0 annual fee. The card accepts people with limited credit. But there are several other good student credit cards to choose from.
Notable Student Credit Cards With Easy Approval
- Rates & Fees Best Overall: Capital One Savor Student Cash Rewards Credit CardLearn MoreLearn Moreon issuer's website
- Rates & Fees Best Overall: Capital One Savor Student Cash Rewards Credit CardLearn MoreLearn Moreon issuer's website
- Best Overall: Capital One Savor Student Cash Rewards Credit CardLearn MoreLearn More
- Best Overall:
(see details, rates & fees)
Initial bonus: $50 for spending $100 in the first 3 months
Ongoing rewards: 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel, 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, along with 1% back on all other purchases (except for 8% back on Capital One Entertainment purchases)
Annual fee: $0
Credit Requirement: Accepts people with limited credit
- Intro APRs: Five Star Bank College Rewards Visa® Credit CardLearn MoreLearn More
- Intro APRs: Five Star Bank College Rewards Visa® Credit CardLearn MoreLearn Moreon issuer's website
- Intro APRs: Five Star Bank College Rewards Visa® Credit CardLearn MoreLearn More
- Intro APRs:
Initial bonus: 2,500 points after your first purchase
Ongoing rewards: 1.5 points per $1 spent on all purchases
Annual fee: $0
Credit Requirement: Accepts people with limited credit
- Rates & Fees High Rewards Rate: Capital One Quicksilver Student Cash Rewards Credit CardLearn MoreLearn Moreon issuer's website
- Rates & Fees High Rewards Rate: Capital One Quicksilver Student Cash Rewards Credit CardLearn MoreLearn Moreon issuer's website
- High Rewards Rate: Capital One Quicksilver Student Cash Rewards Credit CardLearn MoreLearn More
- High Rewards Rate:
(see details, rates & fees)
Initial bonus: $50 for spending $100 in the first 3 months
Ongoing rewards: 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel, 5% cash back on Capital One Entertainment through 12/31/25, and 1.5% cash back on all other purchases
Annual fee: $0
Credit Requirement: Accepts people with limited credit
You can also explore our editors’ latest picks for the best student credit cards on the market to weigh your options.
Popular Student Credit Cards in September 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
People also ask
What are the easiest credit cards for students to get?
The easiest credit cards for students to get are student cards for limited or no credit history and secured credit cards. Since college students are likely to have higher incomes in the long term, issuers are willing to offer them better deals than most people without established credit.
Easiest Student Credit Cards to Get
- Best Overall: Capital One Savor Student Cash Rewards Credit Card (see details, rates & fees)
- Best for Cash Back: Capital One Quicksilver Student Cash Rewards Credit Card (see details, rates & fees)
- Best Secured Card: Capital One Platinum Secured Credit Card (see details, rates & fees)
- Good Approval Odds: Capital One Quicksilver Secured Cash Rewards Credit Card (see details, rates & fees)
- Best for No Credit:...
What are the best credit cards you can instantly use after approval?
The best credit card you can use instantly after approval is the Capital One Venture Rewards Credit Card (see details, rates & fees). When you apply online, you can get approved for this credit card in seconds, get the card number immediately after, and start using it to make purchases right away.
The Capital One Venture (see details, rates & fees) card offers 2 - 5 miles per $1 spent on purchases and an initial bonus of 75,000 miles for spending $4,000 on purchases within 3 months from account opening. The card also has a $95 annual fee (see details, rates & fees) and requires at least good credit for approval.
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read full answer by Evelyn Boros, Credit Cards ModeratorWhat credit score do you need for a student credit card?
You don't need a credit score for a student credit card. Nearly all student credit cards are available to people with limited or no credit history, so you'll be able to get approved as long as you don't have a bad credit score.
What You Need to Get a Student Credit Card
- Be 18 or older. You must be at least 18 years old to legally get a student credit card...
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