Cash Back Student Credit Cards
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If you’re a college student, a student credit card with cash back can help you save on your biggest expenses without the hassle of redeeming points or miles. There are cash back student credit cards for all credit levels listed below, which means you’ll be able to benefit whether you have no or limited credit, as is the case with most college students, or have responsibly used your own credit card for years, thereby garnering fair or even good credit. In addition to a base cash back earning rate, some of the cash back student credit cards listed below may have more lucrative rewards for specific spending categories (e.g. gas, food, office supplies). We recommend getting the card with the highest cash back rate for the type of purchases you make most frequently. In addition, we caution you not to let rewards distract you from the importance of paying your bill in full every month. Your main goals in using any student credit card should be building the foundation to a solid credit history and entering the “real world” with as little debt as possible. With that being said, compare the student cash back credit cards listed below (some of which are issued by WalletHub partners) as well as other types of student credit cards and apply online for the offer that best meets your particular needs.
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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
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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24.99% (V)
Annual Fee
None
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
Additional Info
- Enjoy no annual fee and no foreign transaction fees
- Get a head start and build your credit with responsible use
- Get access to a higher credit line after making your first 5 monthly payments on time
- Monitor your credit profile with the CreditWise® app, free for everyone
- $0 fraud liability if your card is ever lost or stolen
- Pick the monthly due date that works best for you
- Get customized alerts and manage your account with the Capital One mobile app
- See More Details & Reviews About TheJourney® Student Rewards from Capital One®
Rates & Fees | Terms Apply
Secured Card
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Min Deposit of $200
One-Time Fees
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None
Regular APR
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24.49% (V)
Annual Fee
None
Monthly Fee
None
Rewards Rate
1 - 2% Cash Back
Minimum Credit
Bad
Rewards Details
- Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
Additional Info
- No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.
- Your Secured Credit Card requires a refundable security deposit up to the amount we can approve of at least $200 which will establish your credit line. You will need to provide your bank information when submitting your security deposit.
- We will automatically begin reviewing your account starting at 8 months to see if we can transition you to an unsecured line of credit.
- Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
- See More Details & Reviews About TheDiscover it® Secured Card - No Annual Fee
Rates & Fees | Terms Apply
Purchase Intro APR
→
0% for 6 months
Transfer Intro APR
→
10.99% for 6 monthsTransfer Fee: 3%
Regular APR
→
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
One-Time Fees
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None
Regular APR
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19.15% - 25.24% (V)
Rewards Details
- Receive 1% cash back rewards on eligible purchases, terms apply
Additional Info
- See if you Pre-Qualify without harming your credit score
- Track your progress with free online access to your Experian credit score, terms apply
- Looking to rebuild credit? We report to the major credit bureaus monthly
- Receive opportunities for credit line increases, a fee may apply
- Make paying your bill easier with the ability to choose your payment due date, terms apply
- Stay in-the-know with customizable account alerts via email and text
- Enjoy peace of mind with $0 Fraud Liability
- See More Details & Reviews About TheCredit One Bank® Platinum Visa® for Rebuilding Credit
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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20.24% (V)
Rewards Details
- 1% unlimited cash back on ALL purchases
Additional Info
- Deserve will pay for Amazon Prime Student, get free Video, Music, and Reading (Up to a life-time total of $49)
- Up to a $5,000 credit line
- $0 annual fee
- No security deposit or co-signer required (No SSN required for international students)
- Builds credit history
- Use anywhere in the world where Mastercard is accepted with no foreign transaction fees
- Mastercard Platinum Benefits like Price Protection, Travel Assistance, ID Theft Protection, Extended Warranty and Car Rental Collision Damage Waiver
- See More Details & Reviews About TheDeserve® Edu Mastercard for Students
Community Discussion
Comparing Cash Back 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
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. 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.
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