Student Credit Cards for Fair Credit
WalletHub makes it easy to find the best credit card for you.
College students are often able to garner fair credit as a result of being authorized users on parents’ credit card accounts, using their own credit cards responsibly and/or making on-time payments toward personal loans. If yo… show more… show more
show less
Showing 1 – 10 of 10
Discover it® Student Cash Back Discover it® Student Cash Back
Purchase Intro APR
→
0% for 6 months
Transfer Intro APR
→
10.99% for 6 monthsTransfer Fee: 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Regular APR
→
12.99% - 21.99% Variable
Rewards Details
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
Additional Info
- Earn rewards while building your credit history that can help you after graduation. And, get your free Credit Scorecard that includes your FICO® Credit Score and important details that help make up your score.
- No annual fee. No late fee on first late payment. No APR change for paying late.
- Refer-a-Friend: Once you become a Discover it® Student cardmember, you can earn a statement credit each time you refer a friend and they’re approved. Over half a million students got Discover Cards from their friends' recommendations.
- Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
- Discover is accepted nationwide by 99% of the places that take credit cards.
- 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99% applies.
- See More Details & Reviews About TheDiscover it® Student Cash Back
Discover it® Student chrome Discover it® Student chrome
Purchase Intro APR
→
0% for 6 months
Transfer Intro APR
→
10.99% for 6 monthsTransfer Fee: 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
Regular APR
→
12.99% - 21.99% Variable
Rewards Details
- INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
Additional Info
- Earn rewards while building your credit history that can help you after graduation. And, get your free Credit Scorecard that includes your FICO® Credit Score and important details that help make up your score.
- No annual fee. No late fee on first late payment. No APR change for paying late.
- Refer-a-Friend: Once you become a Discover it® Student cardmember, you can earn a statement credit each time you refer a friend and they’re approved. Over half a million students got Discover Cards from their friends' recommendations.
- Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
- Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
- Discover is accepted nationwide by 99% of the places that take credit cards.
- 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99% applies.
- See More Details & Reviews About TheDiscover it® Student chrome
Journey Student Rewards from Capital One Journey Student Rewards from Capital One
Purchase Intro APR
→
N/A
Transfer Intro APR
→
N/A
Regular APR
→
26.99% (V)
Annual Fee
$0
Rewards Rate
1 - 1.25% Cash Back
Minimum Credit
Limited History
Rewards Details
- Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
- Earn $5 per month for 12 months on Select Streaming Subscriptions when you pay on time. *Exclusions Apply
Additional Info
- Enjoy no annual fee and no foreign transaction fees
- You can help build your credit with responsible use of a card like this
- Pick the monthly due date that works best for you
- Be automatically considered for a higher credit line in as little as 6 months
- $0 fraud liability if your card is ever lost or stolen
- Monitor your credit profile with the CreditWise® app, free for everyone
- See More Details & Reviews About TheJourney Student Rewards from Capital One
Petal® 2 Visa® Credit Card Petal® 2 Visa® Credit Card
Purchase Intro APR
→
N/A
Transfer Intro APR
→
N/A
Regular APR
→
12.99% - 26.99% (V)
Rewards Details
- Up to 1.5% cash back after making 12 on-time monthly payments
- 1% cash back on eligible purchases right away
- 2% - 10% cash back from select merchants
Additional Info
- No fees whatsoever. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee.
- $500-$10,000 credit limits
- Variable APRs 12.99%-26.99%
- Build credit alongside tens of thousands of Petal Card members
- Cash flow technology may help applicants without credit history get approved
- Petal's mobile app makes it easy to manage your money, track your spending, and automate payments
- See if you're pre-approved within minutes without impacting your credit score
- Petal reports to all 3 major credit bureaus
- No deposits required
- Card issued by WebBank, Member FDIC
- See More Details & Reviews About ThePetal® 2 Visa® Credit Card
Deserve® EDU Mastercard for Students Deserve® EDU Mastercard for Students
Purchase Intro APR
→
N/A
Transfer Intro APR
→
N/A
Regular APR
→
18.74% Variable
Rewards Details
- Receive one year of Amazon Prime Student on Deserve after spending $500 in the first three billing cycles with your EDU card (Lifetime Value of $59).
- Earn 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning cash back on all purchases.
- Feel secure with cell phone protection up to $600.
- Refer A Friend Program: Refer anyone to Deserve using your personal referral code. Upon approval, card activation and use, you'll receive $30 and so will your referral. Referral bonuses are unlimited!
Additional Info
- No deposit required. No annual fees.
- No international transaction fees on purchases abroad so you can travel with confidence.
- No Social Security Number required for international students to apply.
- Manage and track your spending, set automatic payments and securely freeze your card all through one easy to use app.
- See if you prequalify with no impact to your credit score in minutes.
- Deserve Mastercards are issued by Celtic Bank, Member FDIC.
- Enjoy Mastercard Platinum Benefits intended to make your life easier like Mastercard ID Theft Prevention™ and Master Rental®.
- See More Details & Reviews About TheDeserve® EDU Mastercard for Students
Destiny Mastercard® Destiny Mastercard®
One-Time Fees
→
None
Regular APR
→
24.9%
Additional Info
- All the benefits of a Mastercard, without a security deposit
- Keeping your account in good standing may help establish and/or improve your credit history
- Less than perfect credit is okay, even with a prior bankruptcy!
- Prequalify for a card today and it will not impact your credit score
- Reports to all three major credit bureaus
- See More Details & Reviews About TheDestiny Mastercard®
Credit One Bank® Platinum Visa® with Cash Back Rewards Credit One Bank® Platinum Visa® with Cash Back Rewards
Purchase Intro APR
→
N/A
Transfer Intro APR
→
N/A
Regular APR
→
17.99% - 23.99% (V)
Rewards Details
- Qualified applicants will enjoy benefits including 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply
Additional Info
- CreditOneBank.com and the Credit One Bank mobile app makes it easy to access and manage all your account information and make payments whether you’re at home or on-the-go.
- Zero Fraud Liability protects you if your card is ever lost or stolen. Rest easy knowing you won't be held responsible for unauthorized charges.
- Use your Apple device to make purchases securely through Apple Pay®. Apple Pay is a registered trademark of Apple, Inc.
- Keep an eye on your credit information with free online access to your Experian credit score. Terms apply.
- Get access to billing statements online when you Go Paperless. Enjoy quicker access to your account documents without the hassle of having to wait ‘til they arrive in the mail.
- See More Details & Reviews About TheCredit One Bank® Platinum Visa® with Cash Back Rewards
Total VISA® Credit Card Total VISA® Credit Card
One-Time Fees
→
$89*
Regular APR
→
34.99%*
Annual Fee
$75 1st yr, $48 after*
Monthly Fee
None 1st year, $6.25 after*
Minimum Credit
Bad Credit
Additional Info
- Checking Account Required
- Fast and easy application process; response provided in seconds
- A genuine Visa® card accepted by merchants nationwide across the USA and online
- Manageable monthly payments
- $300 credit limit (subject to available credit).
- Reports monthly to all three major credit bureaus
- Select your favorite card design from our gallery, for free!
- *See rates, fees, costs and limitations for additional details
- See More Details & Reviews About TheTotal VISA® Credit Card
Petal® 1 Visa® Credit Card Petal® 1 Visa® Credit Card
Purchase Intro APR
→
N/A
Transfer Intro APR
→
N/A
Regular APR
→
19.99% - 29.49% (V)
Additional Info
- $0 Annual Fee
- 2% - 10% cash back from select merchants
- $500-$5,000 credit limits
- Variable APRs 19.99-29.49% APR
- No annual or international transaction fees. Late and returned payment fees may apply
- Build credit alongside tens of thousands of Petal Card members
- Cash flow technology may help applicants without credit history get approved
- Petal's mobile app makes it easy to manage your money, track your spending, and automate payments
- See if you're pre-approved within minutes without impacting your credit score
- Petal reports to all 3 major credit bureaus
- No deposits required
- Card issued by WebBank, Member FDIC
- See More Details & Reviews About ThePetal® 1 Visa® Credit Card
First Access VISA® Credit Card First Access VISA® Credit Card
One-Time Fees
→
$95*
Regular APR
→
34.99%*
Annual Fee
$75 1st yr, $48 after*
Monthly Fee
None 1st year, $6.25 after*
Minimum Credit
Bad Credit
Additional Info
- Get the security and convenience of a full-feature, unsecured Visa® Credit Card – accepted at millions of merchant and ATM locations nationwide and online
- Reporting monthly to all three major credit reporting agencies
- Perfect credit not required for approval; we may approve you when others won’t
- Easy and secure online application
- $300 credit limit (subject to available credit)
- Receive your card more quickly with optional Expedited Processing (additional fee applies)
- Get a result in as little as 60 seconds upon completion of the online application
- Select your favorite card design from our gallery, for free!
- All credit histories considered for this no security deposit credit card
- Online Customer Center available 24 x 7
- Issued by The Bank of Missouri
- *See rates, fees, costs and limitations for additional details
- See More Details & Reviews About TheFirst Access VISA® Credit Card
NO FOREIGN FEE
We're sorry, but after searching our extensive database, we were unable to locate any credit cards that match the following criteria: {{tag.tag}}{{$last ? '' : ', '}}
Questions & Answers
Comparing student credit cards for fair credit can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered....show moreshow less
Searching for answers...No Matching Results
Featured Credit Cards
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended. WalletHub may share your information with third-parties in order to show personalized offers, as well as enable you to interact more easily with pre-fill forms or applications. You can opt-out of sharing your personal info here.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.
Updating Cards