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
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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
- 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
- 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®
- 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
- 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.
- No annual fee.
- Competitive rate.
- Worldwide Visa credit card acceptance.
- Auto Rental Collision Damage Waiver.
- Zero Fraud Liability.
- See More Details & Reviews About TheState Farm Bank Student Visa® Credit Card
- 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
Community Discussion
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