Student Credit Cards with No Annual Fee
For most students, building a solid credit history should be a top priority, seeing as your credit score represents your fiscal responsibility to lenders, insurance companies and, in some cases, employers. Using a student credit card with no annual fee is the best way to build credit cost-effectively given such a card’s obvious lack of an annual financial obligation and the fact that it will report monthly to the major credit bureaus whether you actually use it to make purchases or not. The following list of student credit cards (some of which are issued by WalletHub partners) with no annual fee may contain both secured and unsecured cards as well as cards with different kinds of rewards, and we suggest comparing the different options in order to find the best card for your particular needs. Still, we must caution that if these needs include revolving a monthly balance in order to finance necessary big-ticket purchases, a student credit card with no annual fee might not actually be ideal. If you won’t be able to pay your bill in full every month, check out 0% APR student credit cards before ultimately applying online for the card of your choosing.
… show moreshow less
Showing 1 – 7 of 7
We're sorry, but after searching our extensive database, we were unable to locate any credit cards that match the following criteria: {{tag.tag}}{{$last ? '' : ', '}}
Rates & Fees | Terms Apply
Purchase Intro APR
→
0% for 15 months
Transfer Intro APR
→
0% for 15 months 3% (min $5) Transfer Fee
Regular APR
→
13.99% - 24.99% (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
- No annual fee.
- Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 13.99% to 24.99%.
- 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
Purchase Intro APR
→
0% for 6 months
Transfer Intro APR
→
10.99% for 6 months 3% Transfer Fee
Regular APR
→
13.99% - 22.99% (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. 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.
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.
- New! 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 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
Purchase Intro APR
→
Not Offered
Transfer Intro APR
→
Not Offered
Regular APR
→
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
- There's no limit to the amount of cash back you can earn, and rewards won't expire for the life of the account
Additional Info
- Get access to a higher credit line after making your first 5 monthly payments on time
- Pay no annual or foreign transaction fees
- Fraud coverage if your card is lost or stolen
- Pick the monthly due date that works best for you
- See More Details & Reviews About TheJourney® Student Rewards from Capital One®
Purchase Intro APR
→
0% for 6 months
Transfer Intro APR
→
10.99% for 6 months 3% Transfer Fee
Regular APR
→
13.99% - 22.99% (V)
Annual Fee
None
Rewards Rate
1 - 10% Cash Back
Minimum Credit
Limited History
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 Amazon.com and Target now through December 2017, on up to $1,500 in purchases when you activate. Plus, 1% cash back on all 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.
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.
- New! 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 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
Purchase Intro APR
→
0% for 7 months
Transfer Intro APR
→
Not Offered
Regular APR
→
15.49% - 25.49% (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
→
Not Offered
Transfer Intro APR
→
Not Offered
Regular APR
→
12.24% - 19.24% (V)
Annual Fee
None
Rewards Rate
0.5 points / $1
Minimum Credit
Limited History
Rewards Details
- Earn 3 points for every $1 spent on insurance premium payments, up to $4,000 annually.
- Earn 1 point for every $2 spent on eligible purchases.
- Many student discounts provided by Visa.
- You can redeem points for gift cards at popular retailers, e-certificates, catalog merchandise, air travel, hotels, and eligible State Farm products.
Additional Info
- Works with Apple Pay
- Online and mobile access anytime
- Account Fraud Monitoring
- Auto Rental Collision Damage Waiver.
- Zero Fraud Liability.
- See More Details & Reviews About TheState Farm Bank Student Visa® Credit Card
Purchase Intro APR
→
0% for 12 months
Transfer Intro APR
→
0% for 12 months 3% (min $10) Transfer Fee
Regular APR
→
13.99% - 23.99% (V)
Annual Fee
None
Rewards Rate
1 - 3% Cash Back
Minimum Credit
Good
Rewards Details
- 3% cash back on gas, 2% cash back on groceries and wholesale clubs, 1% cash back on every purchase.
- Grocery, gas and wholesale bonus rewards apply to the first $2,500 in combined purchases in these categories each quarter.
- Get a $150 cash rewards bonus after making at least $500 in purchase(s) within the first 90 days
- Rewards are automatic and do not expire. There's no need to register your card or sign up to earn your cash rewards.
- Choose how you want to receive your cash. Redeem it into your Bank of America® checking or savings account, have it credited to your statement or sent directly to you
- Get a 10% customer bonus when you redeem into a Bank of America® checking or savings account.
Additional Info
- In order to take advantage of the 0% introductory APR for 12 months on balance transfers, you should submit your balance transfer request within 60 days of account opening.
- 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.
- 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.
- See More Details & Reviews About TheSeminole Boosters Credit Card
Community Discussion
Comparing Student Credit Cards with No Annual Fee can be tough. But you’ve got the knowledgeable WalletHub community on your side. Other consumers have a wealth of knowledge to share, and we encourage everyone to do so 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.
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.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.
Updating Cards