WalletHub 0% APR Student Credit Cards
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0% APR STUDENT CREDIT CARDS
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- First-year rewards doubled
- No annual fee
- No foreign-transaction fee
- Intro APR on purchases
- High regular APR
- No initial bonus
- 20,000 miles initial bonus
- Unlimited 1.25 miles per $1 on every purchase
- Miles are redeemable for any travel-related expense on your bill
- 0% intro APRs
- No annual fee
- Balance transfer fee
- Potential for a very high regular APR
- $200 initial bonus
- 1.5% cash back on all purchases
- No annual fee
- 0% intro APR on purchases and balance transfers
- Potential for a very high interest rate
- Balance transfer fee
- Requires good/excellent credit
- No membership fees
- Intro APR on purchases
- High rewards rate
- Bonus categories
- Spending caps on rewards
- No initial rewards bonus
- Balance transfer fee
- $200 initial bonus
- High rewards rate
- $0 annual fee
- 0% intro APR on purchases and balance transfers
- High regular APR
- Balance transfer fee
- Requires good/excellent credit
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- 2,500 points initial rewards bonus
- High regular APR
- Foreign fee
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- 2,500 points initial rewards bonus
- High regular APR
- Foreign fee
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- 2,500 points initial rewards bonus
- High regular APR
- Foreign fee
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- 2,500 points initial rewards bonus
- High regular APR
- Foreign fee
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- 2,500 points initial rewards bonus
- High regular APR
- Foreign fee
Questions & Answers
Comparing 0% apr student credit cards 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. WalletHub independently collected information for some of the cards on this page.show more
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What are the best free student credit cards? Reply
The best free student credit card is the Bank of America® Unlimited Cash Rewards credit card for Students because it has a $0 annual fee, an initial APR of 0% for 15 billing cycles on purchases and a 0% APR for balance transfers over the same period. The card’s low costs are in addition to 1.5% cash back on all purchases.
The Bank of America® Unlimited Cash Rewards credit card for Students also offers an initial bonus of $200 after spending $1,000 in the first 90 days, and students with 750 can get approved. There are several other attractive options for students with limited credit history who are looking to save money with a credit card, too.
Best "Free" Student Credit Cards
- Best Overall: Bank of America® Unlimited Cash Rewards credit card for StudentsBank of America® Unlimited Cash Rewards credit card for StudentsLearn MoreLearn More
- Rates & FeesDining & Entertainment: Capital One SavorOne Student Cash Rewards Credit CardCapital One SavorOne Student Cash Rewards Credit CardLearn MoreLearn Moreon issuer's website
- Long 0% Intro APR: BankAmericard® credit card for StudentsBankAmericard® credit card for StudentsLearn MoreLearn More
- First-Purchase Bonus: Chase Freedom® Student credit cardChase Freedom® Student credit cardLearn MoreLearn More
- Travel Rewards: Bank of America® Travel Rewards credit card for StudentsBank of America® Travel Rewards credit card for StudentsLearn MoreLearn More
Just remember that no credit card is guaranteed to be completely free. You can, however, make a $0 annual fee credit card effectively free by paying the bill on time and in full every month.
You can also compare the rest of the best student credit cards on WalletHub to find an offer that meets your needs.
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.
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Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.
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