What are the limits on student credit cards?

The credit limits on student credit cards are usually less than $1,000 and typically start around $500, depending on the issuer. When applying, you will need to list your annual income, which plays a big part in determining your credit limit.

Many student credit card issuers don’t make their minimum credit limits public, but some do. For example, if you’re approved for the Chase Freedom® Student credit card, the lowest limit you’ll receive is $500.

Popular Credit Cards for Students in 2025

If you’ve had a student credit card for six months to a year, you may be able to request a credit limit increase. As a result, students who are looking for a new student card should concentrate on which card is best overall and focus on increasing the credit limit later. There is no guarantee your limit will be increased, but you can improve your odds with a history of paying your credit card bill on time and keeping your balance low.

Alternatively, students who want a little more control over their credit limit – and don’t need to borrow money for purchases – could look for a secured card. Secured credit cards require an initial deposit, the amount of which becomes the credit limit. The deposit lowers the risk for the issuer and makes the card easier to get, which could be helpful for students with limited or bad credit history.