Student Credit Cards with No Annual Fee
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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 … show more
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Showing 1 – 7 of 7
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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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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26.96% (V)
Annual Fee
$0
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®
Secured Card
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Min Deposit of $200
One-Time Fees
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None
Regular APR
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25.24% (V)
Annual Fee
$0
Monthly Fee
None
Rewards Rate
1 - 2% Cash Back
Minimum Credit
Limited History
Rewards Details
- 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases.
- We automatically match all the cash back you've earned at the end of your first year.
Additional Info
- No Annual Fee, earn cash back, and build your credit with responsible use.
- It’s a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can't help you build a credit history.
- Establish your credit line by providing a refundable security deposit from $200-$2500 after being approved. Bank information must be provided when submitting your deposit.
- Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit.
- Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
- 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
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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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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20.74% (V)
Rewards Details
- 1% unlimited cash back on all purchases
Additional Info
- No SSN required for International students Available to students (enrollment verification is required)
- Amazon Prime Student Membership (get reimbursed for subscription fees up to a lifetime total of $59)
- Credit limits up to $5,000
- $0 annual fee & no foreign transaction fees
- No security deposit or co-signer required
- Helps students build credit history and gain financial independence
- Use anywhere in the world where Mastercard is accepted
- Includes Mastercard Platinum Benefits like Car Rental Collision Damage Waiver, Roadside Assistance, Travel Assistance Services, Price Protection, Extended Warranty and ID Theft Protection
- Complimentary cellphone insurance up to $600
- See More Details & Reviews About TheDeserve® Edu Mastercard 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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17.49% - 25.49% (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
NO FOREIGN FEE
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Community Discussion
Comparing Student Credit Cards with No Annual Fee 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. Actual terms may vary. 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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