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Best Credit Cards for High School Students 2022

Best Credit Cards for High school students in November 2022

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

Quicksilver Student Cash Rewards Capital One
Annual fee:
$0
Regular APR:
17.99% - 27.99% Variable
Our Rating:
3.52
scorer
Credit score
No Credit History
  • Rewards Rate:
    • 1.5% Cash Back on every purchase.
  • Intro Offer:
    • $100 Cash bonus once you spend $100 on purchases within 3 months from account opening.
  • Balance Transfer APR:
    17.99% - 27.99% 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 Card earns 1.5% Cash Back on every purchase.

    The Capital One Quicksilver Student Cash Rewards Credit Card has a high interest rate of 17.99% - 27.99% (variable APR). The Card has no annual fee and no foreign transaction fees. The card has a balance transfer fee of 3% (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:
    • $100 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
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On Capital One‘s site
Card detail

Journey Student Rewards from Capital One best for Without SSN

Capital One Journey Student
Annual fee:
$0
Regular APR:
28.49% Variable
Our Rating:
3.79
scorer
Credit score
Fair (580-669)
  • Rewards Rate:
    • 1% Cash Back on all your purchases. Pay on time to boost your Cash Back to a total of 1.25% for that month.
  • Balance Transfer APR:
    28.49% Variable
  • Issuer name:
    Capital One
  • Details:

    Build credit history with Journey Student Credit Card. Earn 1% Cash Back on all your purchases. Pay on time to boost your Cash Back to a total of 1.25% for that month.

    The Journey Student Card has no annual fee or foreign transaction fees. The Card's APR: 28.49% Variable.

  • Pros:
    • Rewards program with bonus points
    • No annual fee
    • Automatic credit limit increase reviews
    • No foreign transaction fees
    • Reports to three major credit bureaus
  • Cons:
    • High APR
    • No bonus categories
  • Benefits:
    • 1% Cash Back on every purchase;
    • 1.25% extra Cash Back;
    • No Foreign Transaction Fees;
    • ATM Location Services;
    • Emergency Card Replacement;
    • Travel rewards cards;
    • Fraud Coverage.
View all Journey Student Credit Card details
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Card detail

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

SavorOne Student Cash Rewards Capital One
Annual fee:
$0
Regular APR:
17.99% - 27.99% Variable
Our Rating:
3.96
scorer
Credit score
No Credit History
  • Rewards Rate:
    • 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:
    • $100 Cash bonus once you spend $100 on purchases within 3 months from account opening.
  • Balance Transfer APR:
    17.99% - 27.99% Variable
  • Issuer name:
    Capital One
  • Details:

    The SavorOne Student Cash Rewards Credit Card earns 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 17.99% - 27.99% (variable APR).

    The Card has no annual fee and no foreign transaction fees.

  • Pros:
    • No Annual Fee
    • No Foreign Transaction Fee
  • Cons:
    • High APR
    • No 0% intro APR offer
  • Benefits:
    • $100 Cash bonus (once you spend $100 on purchases within 3 months from account opening);
    • 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
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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.

      Unfortunately, the Indigo credit card does not have any sign-up bonus or welcome offer. It also does not offer any rewards or cash back programs.

      Read full review

    • Pros:
      • No security deposit
      • Quick and easy to apply
      • Pre-qualification
      • Fraud protection
      • Has Mastercard ID Theft Protection
    • Cons:
      • Low credit limit
      • No rewards or one-time offers
      • Foreign transaction fee
    • Benefits:
      • A low foreign transaction fee of 1 percent;
      • Choice of Card Image;
      • Fraud Protection;
      • 24/7 Account Access;
      • Extended warranty coverage.
    View all Indigo® Mastercard® details
    Apply now
    On Celtic Bank‘s site
    Card detail

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

    Deserve EDU Celtic Bank
    Annual fee:
    $0
    Regular APR:
    22.49% 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 22.49% (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
    Apply now
    On Celtic Bank‘s site
    Card detail

    Chase Freedom® Student best for First time applicants

    Freedom® Student Chase
    Annual fee:
    $0
    Regular APR:
    17.24% Variable
    Our Rating:
    4.06
    scorer
    Credit score
    Good to Excellent (670-799)
    • Rewards Rate:
      • 1% Cash Back on all purchases.
    • Intro Offer:
      • $50 Bonus after first purchase made within the first 3 months from account opening.
    • Balance Transfer APR:
      17.24% Variable
    • Issuer name:
      Chase
    • Details:

      The Chase Freedom® Student Credit Card offers $50 bonus (within the first 3 months from account opening) and $20 Good Standing Rewards (after each account anniversary for up to 5 years). Plus, earn 1% Cash Back on all purchases.

      There is no minimum to redeem for Cash Back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts.

      The Chase Freedom® Student Credit Card has no annual fee. The card's APR is 17.24% (Variable), 29.99% (Penalty APR).

      If you travel outside of the United States, pay attention to foreign transaction fees. The Chase Freedom® Student Card charges 3% on every purchase you make outside of the country.

    • Pros:
      • No Annual Fee
      • Simple rewards program
    • Cons:
      • Foreign Transaction Fee
      • No intro APR on purchases and balance transfer
    • Benefits:
      • $50 Intro Bonus;
      • $20 Good Standing Rewards;
      • 1% Cash Back on all purchases;
      • Zero Liability Protection;
      • Extended Warranty Protection;
      • Gift cards;
      • Trip Cancellation/Interruption Insurance.
    Card detail
    Sallie Mae Ignite℠ Mastercard®
    Annual fee:
    $0
    Regular APR:
    15.24% - 27.24% Variable
    Our Rating:
    3.26
    scorer
    Credit score
    No Credit History to Poor (0-579)
    • Rewards Rate:
      • 1% Cash Back on all other purchases.
    • Intro Offer:
      • $50 Cash Back reward after you spend $250 in the first 3 months.
    • Purchase Intro APR:
      0% Introductory APR for 6 months from date of account opening
    • Balance Transfer APR:
      15.24% - 27.24% Variable
    • Issuer name:
      Sallie Mae Bank
    • Details:

      The Sallie Mae Ignite℠ Mastercard® Credit Card earns a $50 Cash Back reward after you spend $250 in the first 3 months. The Card offers 1% Cash Back on all other purchases. Plus, get a 25% bonus on base Cash Back rewards after six consecutive on-time payments.

      The Sallie Mae Ignite℠ Mastercard® doesn't charge an annual fee.

      The Card has a 0% introductory APR period for 6 months on purchases. In addition, there is a 0% introductory APR period for 6 months on balance transfers made within 60 days of account opening. After that, the variable APR is 15.24% - 27.24%.

    • Pros:
      • No Annual Fee
      • Intro APR period
    • Cons:
      • Foreign Transaction Fee
    • Benefits:
      • $50 Cash Back reward (after you spend $250 in the first 3 months);
      • 25% bonus on base Cash Back rewards (after six consecutive on-time payments);
      • 1% Cash Back on all other purchases;
      • Digital wallets;
      • Cell phone protection;
      • $0 liability on unauthorized charges.
    Card detail
    Celtic Bank NJIT EDU
    Annual fee:
    $0
    Regular APR:
    20.99% Variable
    Our Rating:
    1.7
    scorer
    Credit score
    No Credit History to Poor (0-579)
    • Rewards Rate:
      • 1% Cash Back on all purchases.
    • Issuer name:
      Celtic Bank
    • Details:

      The Celtic Bank NJIT EDU Credit Card is a no annual fee student card. The Card earns 1% Cash Back on all purchases.

      The NJIT EDU Card doesn't charge an annual fee. The APR for purchases is 20.99% Variable.

    • Pros:
      • No Foreign Transaction Fee
      • No Annual Fee
    • Cons:
      • Balance transfers and cash advances are not available
      • No welcome bonus
    • Benefits:
      • 1% Cash Back on all purchases;
      • Cellphone Protection up to $600;
      • Collision Damage Waiver;
      • Mastercard ID Theft Protection™;
      • Mastercard Global Service.
    Card detail
    Clearview® Federal Credit Union Student Platinum Mastercard®
    Annual fee:
    $0
    Regular APR:
    6.49% Promotional Rate on purchases made through December 31, 2022
    8.49% - 18.00% Variable
    Our Rating:
    4.1
    scorer
    Credit score
    No Credit History to Poor (0-579)
    • Balance Transfer APR:
      8.49% - 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