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 … show more
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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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15.24% - 26.24% (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 15.24% to 26.24%.
- 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
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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15.24% - 24.24% (V)
Rewards Details
- INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
- 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
- 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 15.24% - 24.24%.
- See More Details & Reviews About TheDiscover it® Student chrome
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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15.24% - 24.24% (V)
Rewards Details
- INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
- Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time 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
- 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 15.24% - 24.24%.
- See More Details & Reviews About TheDiscover it® Student Cash Back
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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16.74% - 26.74% (V)
Rewards Details
- Introducing the New Citi Rewards+℠ Student Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap
- Earn 2,500 bonus points after you spend $500 in purchases with your card within 3 months of account opening; redeemable for a $25 gift card at thankyou.com
- Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
- Get 10% Points Back for the first 100,000 ThankYou® Points you redeem per year
Additional Info
- 0% Intro APR on purchases for 7 months. After that, the variable APR will be 16.74% - 26.74%, based on your creditworthiness
- No annual fee
- See More Details & Reviews About TheCiti Rewards+℠ Student Card
Purchase Intro APR
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0% for 12 months
Transfer Intro APR
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0% for 12 monthsTransfer Fee: 3% (min $10)
Regular APR
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12.24% - 22.24% (V)
Annual Fee
None
Rewards Rate
1 - 5 points / $1
Minimum Credit
Good
Rewards Details
- Get 10,000 bonus points when you complete your first purchase and spend at least $500 in the first 90 days.
- 5 points per dollar spent at qualifying Beaver merchant, including the OSU Beaver Store, Oregon State Alumni Association, Beaver Ticket Central, and Oregon State University Foundation.
- 1 point per dollar spent on all other qualifying purchases.
- Points redeemable toward cash back, gift cards, travel and merchandise.
Additional Info
- With the Oregon State University Credit Card, you can have peace of mind knowing you have zero fraud liability and a card with secure microchip technology.
- 0% Intro APR on balance transfers requested within 90 days of account opening.
- See More Details & Reviews About TheOregon State University (OSU) Credit Card
Purchase Intro APR
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0% for 12 months
Transfer Intro APR
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0% for 12 months
Regular APR
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16.24% - 26.24% (V)
Annual Fee
$0
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% back on purchases, 2% back at grocery stores and wholesale clubs and 3% back in the category of your choice (gas, online shopping, dining, travel, drug stores, or home improvement / furnishings) for the first $2,500 in combined category/grocery store/wholesale club quarterly purchases.
- 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, ShopSafe® 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®, Google 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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17.24% - 25.24% (V)
Annual Fee
$0
Rewards Rate
1.5 - 3 points / $1
Minimum Credit
Limited History
Rewards Details
- Online offer: Get 25,000 bonus points (redeemable for a $250 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, ShopSafe® 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®, Google 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
NO FOREIGN FEE
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Community Discussion
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