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Best Credit Cards for College Students of December 2024

Compare 7 credit cards for college on Myfin.us.

Best Credit Cards for College in December 2024

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

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

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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.
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First Access Visa® Card best for Low income

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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.

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  • 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
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On the First Access Visa® Card secure website
Card detail
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First Progress Platinum Prestige Mastercard® Secured Synovus Bank
Annual fee:
$49 annually
Regular APR:
14.49% 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: 14.49% (Variable for purchases), 23.49% (Variable for cash advances).

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  • 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:
    • 1% Cash Back rewards on payments;
    • Accepted Nationwide;
    • No Minimum Credit Score;
    • No Credit History Required.
View all First Progress Platinum Prestige Mastercard® Secured details
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On First Progress’s site
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Celtic Bank Indigo® Mastercard® best for Unsecured

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.

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    • 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;
      • $700 credit limit;
      • Choice of Card Image;
      • Fraud Protection;
      • 24/7 Account Access;
      • Extended warranty coverage.
    Card detail

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

    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.

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    • 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.
    Card detail
    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.
    Card detail