0% APR Student Credit Cards
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.… show moreshow less
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- $100 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.
- Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 13.99% to 24.99%.
- No annual fee.
- Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
- See More Details & Reviews About TheBlue Cash Everyday® Card from American Express
- 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. 1% cash back on all your other purchases.
- Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
- No annual fee. No late fee on first late payment. No APR change for paying late.
- Get 100% U.S. based customer service & your FICO® Credit Score for free on monthly statements, on mobile and online.
- Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
- 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.99% - 22.99%.
- Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
- See More Details & Reviews About TheDiscover it® chrome for Students
- 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 in rotating categories each quarter like Amazon.com, restaurants, ground transportation and more, up to the quarterly maximum each time you activate.
- Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
- No annual fee. No late fee on first late payment. No APR change for paying late.
- Get 100% U.S. based customer service & your FICO® Credit Score for free on monthly statements, on mobile and online.
- Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
- 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.99% - 22.99%.
- Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
- See More Details & Reviews About TheDiscover it® for Students
- 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
- 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
- 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
- 1% cash back on purchases, 2% at grocery stores and now at 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
- Get a $150 cash rewards bonus after making at least $500 in purchase(s) within the first 90 days
- ShopSafe® - Add an extra layer of protection when you shop online.
- Overdraft Protection and Paperless Statement Option.
- Customer email or text alerts and let your phone tell you when payments are due and paid. Pay your credit card bill online, transfer funds, check available credit and more.
- See More Details & Reviews About TheSeminole Boosters Credit Card
- 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/wholesale club/gas purchases each quarter.
- Enjoy a 10% cash reward bonus when you redeem your rewards directly into your Bank of America checking or savings account.
- Online-exclusive $150 cash rewards bonus after making at least $500 in purchases in the first 90 days of your account opening.
- No expiration on rewards and no changing categories to follow.
- $0 Liability Guarantee, which helps protect you from fraudulent card transactions.
- ShopSafe® - add an extra layer of protection when you shop online
- Overdraft Protection: An optional service to help prevent declined purchases, returned checks or other overdrafts when you link your Bank of America® checking account to your credit card.
- 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 TheBankAmericard Cash Rewards™ for Students Credit Card
- Online exclusive 20,000 bonus points offer if you make at least $1,000 in purchases in the first 90 days of your account opening.
- Earn 1.5 points for every $1 you spend on purchases anywhere, any time and with no expiration on points.
- Earn 3 points for every dollar spent in net purchases at the Travel Center with no limit on the number of Bonus Points you can earn.
- 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.
- $0 Liability Guarantee, which helps protect you from fraudulent card transactions.
- ShopSafe® - add an extra layer of protection when you shop online
- Overdraft protection - An optional service to help prevent declined purchases, returned checks or other overdrafts when you link your Bank of America® checking account to your credit card
- Paperless statement option
- 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 TheBankAmericard Travel Rewards® for Students Credit Card
Community Discussion
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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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