Student Credit Cards





Editor's Choice - Best Student Credit Cards

citibank credit card
The Citi mtvUTM Platinum Select Visa Card is probably the most innovative student credit card. The reward program is based on Citibank's ThankYou Network reward program. You can earn five points for every dollar you spend at (1) bookstores, (2) record stores, (3) restaurants (including fast food), (4) motion picture theaters and (5) video entertainment rental stores and earn one point for every dollar spent on other purchases. But in addition to that, you earn 25 points each time you pay your minimum bills on-time and if you do not exceed your credit limit. You can also earn point twice a year for getting good GPA scores (4,000 points for a perfect score). This is the most unique student credit card at the moment, which pays you 5 points for the most practical student expenditures and also rewards you for timely payments and good grades. You can also redeem points to reduce your student loan.

discover student card
Those looking for a low apr student credit card should consider the Discover Student Card. While almost all student credit cards have a very standard apr of prime rate plus 9.99%, the Discover Student Card's apr is prime rate plus 8.99%, a full percentage point lower. Aside from having a lower apr, you can also earn 5% cash rebates when you purchase items from participating merchants of Discovers' Get More program. Furthermore, you can potentially double the value of the cash rebates you have earned by exchanging them for gift certicates (Discover has 60 partners at the moment).



Directory of Student Credit Cards


Citi mtvU Platinum Select Card for Student
Intro APR 0% apr for 6 months (purchases, balance transfers and cash advance)
APR Prime Rate plus 9.74%
Annual Fee No annual fee
Reward Formula Earn 5 ThankYou Points for every dollar you spend at (1) bookstores, (2) record stores, (3) restaurants (including fast food), (4) motion picture theaters and (5) video entertainment rental stores
Earn 1 point for every dollar spent on other purchases
Earn 25 points every month if you pay you minimum payments on time and if you are not over the credit limits
Earn points twice a year for good GPA scores (up to 2,000) for a score of 4.00
Caps on Points Earn up to 75,000 points
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Citi® Driver's Edge® Card for College Students
Intro APR 0% APR for 6 months on balance transfer and cash advance
APR Prime Rate plus 9.99%
Annual Fee No annual fee
Rebate Formula Earn 3% rebates on "everyday purchases"
Earn 1% rebate on "other purchases"
Earn $0.01 rebates for every mile you drive on your vehicle
Rebates can be redeemed for the purchase or lease of vehicles new or used, domestic or foreign
Rebate Expiry 5 years
Caps on Rebate Earn up to $1,000 in rebate annually
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Citi® Platinum Select Visa for College Student
Intro APR 0% APR for purchases, balance transfers and cash advance for 6 months
APR Prime Rate plus 9.99%
Annual Fee No annual fee
citi platinum select card
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Chase Universal Mastercard for Students
Intro APR 0% APR for 6 months on balance transfers
APR Prime Rate plus 9.99%
Annual Fee No annual fee
Reward Formula 1 points per $1 spent on purchases
Earn double points for purchases of selected merchandise
Caps on Points Earn unlimited Points
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Discover Classic Student Card
Intro APR 0% apr for 6 months (purchases)
APR Prime Rate plus 8.74%
Annual Fee No annual fee
Rebate Formula Earn 5% rebates from purchases at Get More Purchase partners
Earn 1% rebate on purchases when annual expenditure exceeds $3,000.
If you redeem cash rebates for gift certificates or gift cards instead from Cashback Bonus partner merchants, you can get the gift cert worth double the value of your cash rebate (ie worth 2% in rebates)
Caps on Rebate Earn up to $500 in rebate annually
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Discover Clear Card for Student
Intro APR 0% apr for 6 months (purchases)
APR Prime Rate plus 8.74%
Annual Fee No annual fee
Rebate Formula Earn 5% rebates from purchases at Get More Purchase partners
Earn 1% rebate on purchases when annual expenditure exceeds $3,000.
If you redeem cash rebates for gift certificates or gift cards instead from Cashback Bonus partner merchants, you can get the gift cert worth double the value of your cash rebate (ie worth 2% in rebates)
Caps on Rebate Earn up to $500 in rebate annually
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