0% APR Student Credit Cards
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College is costly, and students are often unable to immediately pay down certain expenses like books or a computer. Rather than incur the added cost of interest or experience the discomfort that comes with falling behind on your bills, consider opening a 0% APR student credit card in order to buy yourself more time to pay off those big-ticket purchases that seem to be inextricably linked to higher education. Student credit cards with no interest work like any no interest credit card in that they have introductory periods, usually lasting six months or more, during which interest is not applied to the revolving balance. When the 0% intro period concludes, a regular APR ranging anywhere from 10% to 25% will kick in. It is therefore important to pay the majority of your balance before the 0% period concludes, and a payoff calculator can help you determine the monthly payments necessary to do so. Some of the 0% APR student credit cards listed below (some of which are issued by WalletHub partners) offer 0% on balance transfers as well, making them apt for saving money on existing debt. Use the filters on the left to compare 0% APR student credit card offers, and apply online for the card of your choice.
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Rates & Fees | Terms Apply
Purchase Intro APR
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0% for 15 months
Transfer Intro APR
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0% for 15 monthsTransfer Fee: 3% (min $5)
Regular APR
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14.49% - 25.49% (V)
Rewards Details
- $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
- 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
- 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
- Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
- Terms Apply.
Additional Info
- Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%.
- Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
- No annual fee.
- See More Details & Reviews About TheBlue Cash Everyday® Card from American Express
Rates & Fees | Terms Apply
Purchase Intro APR
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0% for 6 months
Transfer Intro APR
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10.99% for 6 monthsTransfer Fee: 3%
Regular APR
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14.49% - 23.49% (V)
Rewards Details
- Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
- 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter - no sign-ups needed. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
Additional Info
- No annual fee. No late fee on first late payment. No APR change for paying late.
- Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
- Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
- Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
- 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 14.49% - 23.49%.
- See More Details & Reviews About TheDiscover it® chrome for Students
Rates & Fees | Terms Apply
Purchase Intro APR
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0% for 6 months
Transfer Intro APR
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10.99% for 6 monthsTransfer Fee: 3%
Regular APR
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14.49% - 23.49% (V)
Rewards Details
- Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
- Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants or Amazon.com up to the quarterly maximum each time you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
Additional Info
- No annual fee. No late fee on first late payment. No APR change for paying late.
- Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
- Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
- Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
- 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 14.49% - 23.49%.
- See More Details & Reviews About TheDiscover it® for Students
Purchase Intro APR
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0% for 7 months
Transfer Intro APR
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Not Offered
Regular APR
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15.99% - 25.99%* (V)
Rewards Details
- Earn 2,500 bonus points after spending $500 in purchases within the first 3 months of account opening*
- 2,500 ThankYou® Points are redeemable for $25 in gift cards, electronics and other great rewards when redeemed at thankyou.com
- Earn 2X Points on Dining Out & Entertainment
- Earn 1X Points on All Other Purchases
- No expiration and no limit to the amount of points you can earn with this card
Additional Info
- Travel with ease and enjoy global acceptance with Chip Technology
- No annual fee*
- See More Details & Reviews About TheCiti ThankYou® Preferred Card for College Students
Purchase Intro APR
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0% for 12 months
Transfer Intro APR
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0% for 12 months See details for transfer fee
Regular APR
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14.49% - 24.49% (V)
Annual Fee
None
Rewards Rate
1 - 3% Cash Back
Minimum Credit
Good
Rewards Details
- $150 cash rewards bonus after making at least $500 in purchase(s) within the first 90 days of account opening.
- Earn 1% cash back on purchases, 2% cash back at grocery stores and wholesale clubs and 3% cash back on gas for the first $2,500 in combined grocery store, wholesale club, and gas purchases each quarter.
- Get a 10% customer bonus when you redeem into a Bank of America® checking or savings account.
- When your cash rewards balance is $25 or more, you can redeem your cash rewards for a statement credit, a check, or an electronic deposit into a Bank of America® checking or savings account.
- Rewards are automatic and do not expire. There's no need to register your card or sign up to earn your cash rewards.
Additional Info
- 0% Introductory APR for 12 months on balance transfers made within 60 days of account opening.
- Customer email or text alerts lets your phone tell you when payments are due and paid. Pay your credit card bill online, transfer funds, check available credit and more with mobile and online banking.
- If your credit line is greater than or equal to $5,000, you will receive a Visa Signature® account, otherwise you will receive a Platinum Plus® account. The benefits for accounts differ.
- See More Details & Reviews About TheSeminole Boosters Credit Card
Purchase Intro APR
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0% for 12 months
Transfer Intro APR
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0% for 12 months See details for transfer fee
Regular APR
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14.49% - 24.49% (V)
Annual Fee
None
Rewards Rate
1 - 3% Cash Back
Minimum Credit
Limited History
Rewards Details
- Online offer: Get $150 cash rewards bonus after making at least $500 in purchase(s) within the first 90 days of account opening.
- Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs and 3% on gas for the first $2,500 in combined grocery store, wholesale club, and gas purchases each quarter.
- Get a 10% customer bonus when you redeem into a Bank of America® checking or savings account.
- When your cash rewards balance is $25 or more, you can redeem your cash rewards for a statement credit, a check, or an electronic deposit into a Bank of America® checking or savings account.
- Rewards are automatic and do not expire. There's no need to register your card or sign up to earn your cash rewards.
Additional Info
- 0% Introductory APR for 12 months on balance transfers made within 60 days of account opening.
- Security Benefits: $0 Liability Guarantee, Shop Safe, Fraud Monitoring, Overdraft Protection and Paperless Statement Option.
- Add your card to your mobile device and enjoy the convenience to shop and pay in-store or in-app using Apple Pay®, Android Pay™ or Samsung Pay.
- Mobile banking, text or email alerts to keep you on top of your finances, quick access to your account information with text banking.
- See More Details & Reviews About TheBank of America® Cash Rewards credit card for Students
Purchase Intro APR
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0% for 12 months
Transfer Intro APR
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Not Offered
Regular APR
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16.49% - 24.49% (V)
Annual Fee
None
Rewards Rate
1.5 - 3 points / $1
Minimum Credit
Limited History
Rewards Details
- Online offer: Get 20,000 bonus points (redeemable for a $200 statement credit toward travel purchases) on spending at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3 points for every dollar spent in net purchases at the Bank of America Travel Center and 1.5 points for every dollar spent on all other purchases.
- No limit to the total number of points you can earn and points don't expire.
- Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account.
- Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees with no restrictions or blackouts.
Additional Info
- Security Benefits: $0 Liability Guarantee, Shop Safe, Fraud Monitoring, Overdraft Protection and Paperless Statement Option.
- Add your card to your mobile device and enjoy the convenience to shop and pay in-store or in-app using Apple Pay®, Android Pay™ or Samsung Pay.
- Mobile banking, text or email alerts to keep you on top of your finances, quick access to your account information with text banking.
- See More Details & Reviews About TheBank of America® Travel Rewards credit card for Students
Community Discussion
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....show moreshow less
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† 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.
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