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What is the best credit card for students ?

My top recommendation is the Discover it Student Cash Back for students who want rewards while building their credit history.

Top 7 student credit cards in the USA (2026)

Discover it® Student Cash Back Card

1. Discover it Student Cash Back

Best overall for cashback

• $0 annual fee

• 5% cashback on rotating categories, up to quarterly limits, with activation

• 1% on other purchases

• Unlimited first-year Cashback Match

  Official website

  discover.com+1

The best credit cards for 18-year-olds - The Points Guy

2. Capital One Savor Student

• $0 annual fee

• 3% cashback on dining, groceries, entertainment and eligible streaming

• 1% on other purchases

• No foreign transaction fees

  Official website

  Capital One

This credit builder card from Chase also pays 1.5%…

3. Chase Freedom Rise

• $0 annual fee

• 1.5% cashback on purchases

• No security deposit

• Suitable for students with little or no credit history

  Official website

  Chase+1

Capital One Quicksilver Student Cash Rewards Credit Card - Review

4. Capital One Quicksilver Student

• $0 annual fee

• Unlimited 1.5% cashback

• Simple everyday rewards

• No security deposit

  Official website

  NerdWallet

Discover it Student Chrome Review: Earn Rewards, Build Credit - NerdWallet

5. Discover it Student Chrome

• $0 annual fee

• 2% cashback at gas stations and restaurants, up to quarterly limits

• 1% on other purchases

• Good for students who drive and dine out

  Official website

  NerdWallet+1

Best Forex Cards For The USA In 2026

6. Bank of America Travel Rewards for Students

• $0 annual fee

• Travel rewards on purchases

• No foreign transaction fees

• Good for students who travel internationally

  Official website

  Bankrate+1

Bank of America® Customized Cash Rewards for Students Review: Rewards, Benefits & Fees | MaxRewards

7. Bank of America Customized Cash Rewards for Students

• $0 annual fee

• 3% cashback in a selected category

• 2% at grocery stores and wholesale clubs

• 1% on other purchases

  Official website

  Money

Quick comparison

My recommendations

• Best overall: Discover it Student Cash Back.

• Best for groceries and restaurants: Capital One Savor Student.

• Best for beginners: Chase Freedom Rise.

• Best for everyday purchases: Capital One Quicksilver Student.

• Best for international travel: Bank of America Travel Rewards for Students.

Important eligibility information

Student credit cards are generally designed for eligible college or university students. Being a student alone does not guarantee approval.

Under US federal law, applicants under 21 generally need an independent ability to pay or a qualifying cosigner. Applicants aged 21 or older must also demonstrate the required ability to pay.

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