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Best Credit Cards for High School Students 2025

Updated March 21, 2025
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Best Credit Cards for High school students in March 2025

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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
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    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
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    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
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    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
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    Card detail

    Sallie Mae Bank Ignite℠ Mastercard®

    Sallie Mae Ignite℠ Mastercard®
    Annual fee:
    $0
    Regular APR:
    17.99% - 29.99% Variable
    Our Rating:
    3.11
    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:
      17.99% - 29.99% 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 17.99% - 29.99%.

    • 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.
    View all Ignite℠ Mastercard® details
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    Card detail

    Celtic Bank NJIT EDU

    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.
    View all NJIT EDU details
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    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
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    Card detail

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