Student Cards ?
If you mean U.S. student credit cards, these are some of the best options in September 2026. Student cards are generally designed for college students with limited or no credit history and can be easier to qualify for than regular cards.
Best student credit cards
| Card |
Best for |
Annual fee |
| Capital One Savor Student |
Overall / dining & groceries |
$0 |
| Discover it Student Cash Back |
Rotating cashback |
$0 |
| Discover it Student Chrome |
Simple rewards |
$0 |
| Capital One Quicksilver Student |
Flat-rate cashback |
$0 |
| Chase Freedom Rise |
Building credit |
$0 |
| Bank of America Customized Cash Rewards for Students |
Flexible cashback |
$0 |
| Bank of America Travel Rewards for Students |
Travel |
$0 |
My top choices
1. Capital One Savor Student — Best overall
It offers 3% cash back at grocery stores and on dining, entertainment and popular streaming services, plus 1% on other purchases. There's no annual fee and currently a $50 cash bonus after qualifying spending.
2. Discover it Student Cash Back — Best for maximum cashback
You can earn 5% cashback on rotating quarterly categories after activation, up to the applicable quarterly limit, and 1% on other purchases. It also has no annual fee.
3. Capital One Quicksilver Student — Best simple cashback
It earns 1.5% cash back on every purchase, with no need to track spending categories.
4. Chase Freedom Rise — Best for starting credit
A particularly interesting option if you're new to credit and want to build a relationship with Chase. NerdWallet lists it as a student option for people with no credit history, particularly Chase banking customers.
5. Bank of America Travel Rewards for Students — Best for studying abroad
It has no annual fee and no foreign transaction fees, making it useful for students who expect to spend outside the U.S.
Quick recommendation
- Best overall: Capital One Savor Student
- Best cashback: Discover it Student Cash Back
- Best simple 1.5% cashback: Capital One Quicksilver Student
- Best for no credit history: Chase Freedom Rise
- Best for international students/study abroad: Bank of America Travel Rewards for Students
One important point: If you're an international student in the U.S., eligibility can be different from that of a U.S. citizen/permanent resident. You may need a U.S. address, SSN or ITIN, proof of income, and evidence of student status depending on the issuer. Capital One specifically notes that student cards may require proof of enrollment
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