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BestCreditCardsGuide

Student Credit Cards

Student cards are built for people at the start of their credit history. They generally have easier approval requirements than standard cards, modest credit limits and simple rewards. Using one responsibly, with small purchases paid in full each month, is a practical way to establish a credit history before graduation.

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What to look for

  • Approval requirements: applicants under 21 generally need independent income or a co-signer under federal rules.
  • Credit-building tools: look for free score tracking and automatic credit line reviews.
  • Low or no fees: a student budget rarely justifies an annual fee.