Maria Adams, Credit Cards Moderator
@m_adams
One of the best starter credit cards for students is the Chase Freedom® Student credit card because it has a $0 annual fee and gives you $50 after your first purchase made in the first 3 months. This card also offers 1% cash back on all purchases.
Nearly all student credit cards qualify as starter credit cards because you can get approved for them with limited or no credit history.
In general, student credit cards are the best starter credit cards because they’re easy to get without prior experience yet offer far better terms than an inexperienced applicant would ordinarily command. That’s because lenders want to appeal to students in the hope of gaining a long-term customer who may land a well-paying job upon graduation.
Ultimately, you can check out our editors’ latest picks on the best starter credit cards for students to see which better suits your needs.
Karen Moroz, WalletHub Mortgage Analyst
@nycKaren
The best starter credit cards for students aren’t necessarily all “student credit cards.” For example, the Capital One QuicksilverOne Cash Rewards Credit Card is a good choice that’s open to anyone with limited. It offers 1.5% cash back on all purchases for a $39 annual fee.
Students who want the highest possible approval odds can opt for secured credit cards. Secured cards are good for building credit and require a refundable security deposit. The deposit sets your credit limit and establishes collateral for the lender.
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