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First Access Visa® The Bank of Missouri
First Access Visa® CardLimited offer
Low income
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On the First Access Visa® Card secure website

Best Credit Cards for College Students of May 2025

Compare 7 credit cards for college on Myfin.us.

Updated May 02, 2025
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First Access Visa® The Bank of Missouri
First Access Visa® Card
$75.00 for the 1st year, $48.00 after
Annual Fee
35.99%
Regular APR
1%
Earn 1% cash back rewards on payments made to your First Access Credit Card.
Apply now
On the First Access Visa® Card secure website
First Progress Platinum Prestige Mastercard® Secured Synovus Bank
First Progress Platinum Prestige Mastercard® Secured Credit Card
$49
Annual Fee
14.24%
Regular APR
1%
Cash Back rewards on payments.
Apply now
On First Progress’s site
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Best Credit Cards for College in May 2025

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First Access Visa® Card best for Low income

First Access Visa® Card

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First Access Visa® The Bank of Missouri
Annual fee:
$75.00 for the 1st year, $48.00 after
Regular APR:
35.99%
Our Rating:
4.2
scorer
Credit score
No Credit History to Fair (0-669)
  • Rewards Rate:
    • 1% Earn 1% cash back rewards on payments made to your First Access Credit Card.
  • Issuer name:
    The Bank of Missouri
  • Details:

    The First Access Visa® Card is a true VISA® credit card that does not require perfect credit for approval.

    The First Access Visa® Card's APR: 35.99%.

    The First Access Visa® Card is not a secured credit card, meaning applicants don’t have to have the amount of their credit limit as a deposit.

    Read full review

  • Pros:
    • Available to those with bad credit
    • Reports to three major credit bureaus
    • Easy application
    • No security deposit
  • Cons:
    • High APR
    • Several fees
    • Low credit limit
  • Benefits:
    • 1% Cash Back rewards on payments made to your First Access Credit Card;
    • First Access Visa credit card accepted nationwide;
    • Rebuild your credit;
    • Easy and Secure Online Application.
View all First Access Visa® details
Apply now
On the First Access Visa® Card secure website
Card detail

First Progress Platinum Prestige Mastercard® Secured Credit Card

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First Progress Platinum Prestige Mastercard® Secured Synovus Bank
Annual fee:
$49 annually
Regular APR:
14.24% Variable
Our Rating:
3.8
scorer
Credit score
No Credit History to Fair (0-669)
  • Rewards Rate:
    • 1% Cash Back rewards on payments.
  • Issuer name:
    Synovus Bank
  • Details:

    The First Progress Platinum Prestige Mastercard® Secured Credit Card is a secured credit card for people with a limited credit history.

    The Card earns 1% Cash Back rewards on payments.

    The First Progress Platinum Prestige Mastercard® comes with an annual fee of $49. The card's APR: 14.24% (Variable for purchases), 23.24% (Variable for cash advances).

    Read full review

  • Pros:
    • Low APR for Purchases
    • No Minimum Credit Score Required
    • Reports to Three Major Credit Bureaus
    • Suitable Range of Credit Limit
  • Cons:
    • High Annual Fee
    • High Transaction Fees on Cash Advance
    • High Penalty Fees
    • Foreign Transaction Fees
  • Benefits:
    • Earn 1% Cash Back Rewards with First Progress Prestige;
    • Apply now and fund your security deposit over 90 days with the option to make partial payments;
    • You Can’t Rebuild credit with a Debit Card. Try First Progress Today;
    • Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.
    • All credit types welcome to apply;
    • Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
View all First Progress Platinum Prestige Mastercard® Secured details
Apply now
On First Progress’s site
Card detail

Celtic Bank Indigo® Mastercard® best for Unsecured

Celtic Bank Indigo® Mastercard®

Indigo® Mastercard® Celtic Bank
Annual fee:
$0 - $99 annually
Regular APR:
24.9%
Our Rating:
3.7
scorer
Credit score
No Credit History to Fair (0-669)
    • Issuer name:
      Celtic Bank
    • Details:

      The Indigo® Mastercard® credit card provides a good option for those who have bad credit or no credit history.

      The Indigo® Mastercard® reports to all three major credit bureaus: TransUnion, Equifax and Experian.

      The Indigo® Mastercard® has a high APR of 24.9%.

      During the first year, you can experience a 0% fee on cash advances. After this grace period expires, you will be charged $5 or 5% of each transaction amount.

      When it comes to foreign transaction fees, you will incur a 1% fee for every transaction, no matter the currency used in the purchase.

      Read full review

    • Pros:
      • No security deposit
      • Quick and easy to apply
      • Fraud protection
      • Has Mastercard ID Theft Protection
    • Cons:
      • No rewards or one-time offers
      • Foreign transaction fee
    • Benefits:
      • A low foreign transaction fee of 1 percent;
      • $1,000 credit limit;
      • Choice of Card Image;
      • Fraud Protection;
      • 24/7 Account Access;
      • Extended warranty coverage.
    View all Indigo® Mastercard® details
    Learn more
    Card detail

    Celtic Bank Deserve EDU best for Cash Back, Without SSN, Student

    Celtic Bank Deserve EDU

    Deserve EDU Celtic Bank
    Annual fee:
    $0
    Regular APR:
    22.99% Variable
    Our Rating:
    3.5
    scorer
    Credit score
    No Credit History to Excellent (0-799)
    • Rewards Rate:
      • 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning Cash Back on all purchases.
    • Issuer name:
      Celtic Bank
    • Details:

      The Deserve EDU Card makes it easy for students to start building credit.

      The Card's APR is 22.99% (Variable APR). The late payment is up to $25, while the returned payment is up to $37. Balance transfers and cash advances are not available.

      Students who make purchases totaling $500 within the first three statement cycles of card membership qualify to have their Amazon Prime Student subscription reimbursed (a $59 value).

      Students spend a significant amount on school supplies, textbooks and gear each year, and the Deserve EDU Mastercard can earn Cash Back on all of these purchases.

      Read full review

    • Pros:
      • No prior credit history required
      • No SSN Required
      • No Annual Fee
      • No
      • Transactions Fees
      • No Co-Signer/ Deposit Required
    • Cons:
      • Relatively High APR
      • Fairly Low Rewards
      • Only for Students
    • Benefits:
      • Cellphone Protection;
      • Collision Damage Waiver;
      • Concierge Service;
      • No International Transaction Fees;
      • Priority Pass™ Membership;
      • Mastercard Benefits;
      • No Social Security Number required for international students to apply.
    View all Deserve EDU details
    Learn more
    Card detail

    Capital One Quicksilver Student Cash Rewards Credit Card best for International students

    Capital One Quicksilver Student Cash Rewards Credit Card

    Quicksilver Student Cash Rewards Capital One
    Annual fee:
    $0
    Regular APR:
    19.99% - 29.99% Variable
    Our Rating:
    3.43
    scorer
    Credit score
    No Credit History
    • Rewards Rate:
      • 1.5% Cash Back on all purchases.
    • Intro Offer:
      • $50 Cash bonus once you spend $100 on purchases within 3 months from account opening.
    • Balance Transfer APR:
      19.99% - 29.99% Variable
    • Issuer name:
      Capital One
    • Details:

      The Capital One Quicksilver Student Cash Rewards Credit Card is a good option for earning Cash Back on general spending.

      The Capital One Quicksilver Student Cash Rewards Credit Card has a high interest rate of 19.99% - 29.99% (variable APR). The Card has no annual fee and no foreign transaction fees. The card has a balance transfer fee of 4% of the amount of each transferred balance that posts to your account at a promotional APR. None for balances transferred at the Transfer APR.

    • Pros:
      • No Annual Fee
      • No Foreign Transaction Fee
    • Cons:
      • High APR
      • No 0% intro APR offer
    • Benefits:
      • $50 bonus (once you spend $100 on purchases within 3 months from account opening);
      • 1.5% Cash Back on every purchase;
      • Fraud Liability;
      • Extended Warranty;
      • Travel Accident Insurance;
      • Capital One Shopping;
      • Complimentary Concierge Service;
      • 24-hour Travel Assistance Services.
    View all Quicksilver Student Cash Rewards details
    Learn more
    Card detail

    Capital One SavorOne Student Cash Rewards Credit Card best for International students

    Capital One SavorOne Student Cash Rewards Credit Card

    SavorOne Student Cash Rewards Capital One
    Annual fee:
    $0
    Regular APR:
    19.99% - 29.99% Variable
    Our Rating:
    3.87
    scorer
    Credit score
    No Credit History
    • Rewards Rate:
      • 8% Cash Back on Capital One entertainment purchases.
      • 5% Cash Back on hotels and rental cars booked through Capital One Travel.
      • 3% Cash Back on dining, entertainment, popular streaming services & at grocery stores (excluding superstores like Walmart® and Target®).
      • 1% Cash Back on all other purchases.
    • Intro Offer:
      • $50 Cash bonus once you spend $100 on purchases within 3 months from account opening.
    • Balance Transfer APR:
      19.99% - 29.99% Variable
    • Issuer name:
      Capital One
    • Details:

      The SavorOne Student Cash Rewards Credit Card earns 8% Cash Back on Capital One entertainment purchases, and 5% Cash Back on hotels and rental cars booked through Capital One Travel. Earn 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), plus 1% on all other purchases.

      The SavorOne Student Cash Rewards Credit Card has a high interest rate of 19.99% - 29.99% (variable APR).

      The Card has no annual fee and no foreign transaction fees. Balance Transfer Fee: 4% of the amount of each transferred balance that posts to your account at a promotional APR. None for balances transferred at the Transfer APR.

    • Pros:
      • No Annual Fee
      • No Foreign Transaction Fee
    • Cons:
      • High APR
      • No 0% intro APR offer
    • Benefits:
      • $50 Cash bonus (once you spend $100 on purchases within 3 months from account opening);
      • 8% Cash Back on Capital One entertainment purchases;
      • 5% Cash Back on hotels and rental cars booked through Capital One Travel;
      • 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®);
      • 1% Cash Back on all other purchases;
      • Fraud Liability;
      • Extended Warranty;
      • Travel Accident Insurance;
      • Complimentary Concierge Service;
      • 24-hour Travel Assistance Services.
    View all SavorOne Student Cash Rewards details
    Learn more
    Card detail

    Clearview® Federal Credit Union Student Platinum Mastercard®

    Clearview® Federal Credit Union Student Platinum Mastercard®
    Annual fee:
    $0
    Regular APR:
    6.99% Promotional Rate on purchases made through December 31, 2022
    12.24% - 18.00% Variable
    Our Rating:
    3.94
    scorer
    Credit score
    No Credit History to Poor (0-579)
    • Balance Transfer APR:
      12.24% - 18.00% Variable
    • Issuer name:
      Clearview® Federal Credit Union
    • Details:

      The Clearview® Federal Credit Union Student Platinum Mastercard® Credit Card has a maximum credit line of $1,500, so young people can learn to spend safely without going overboard.

      The Student Platinum Mastercard® doesn't charge an annual fee.

    • Pros:
      • No Annual Fee
      • No Balance Transfer Fee
    • Cons:
      • Foreign Transaction Fee
    • Benefits:
      • Emergency cash advance and card replacement;
      • 25-day grace period on purchases.
    View all Student Platinum Mastercard® details
    Learn more
    Card detail

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