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Best Credit Cards for Students 2022

Best Credit Cards for Student 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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On Capital One‘s site
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
Apply now
On Capital One‘s site
Card detail

WebBank Petal® 2 “Cash Back, No Fees” Visa® best for Beginner, No history

Petal® 2 “Cash Back, No Fees” Visa® WebBank
Annual fee:
$0
Regular APR:
15.99% - 29.99% Variable
Our Rating:
3.8
scorer
Credit score
No Credit History to Excellent (0-799)
  • Rewards Rate:
    • 1% - 1.5%:
    • Cash Back after making 12 on-time monthly payments.
    • 2% - 10%:
    • Cash Back from select merchants.
  • Issuer name:
    WebBank
  • Details:

    The Petal 2 Card has no fees of any kind and is designed to help you build credit.

    The credit limit is from $500 - $10,000.

    Grow your credit score with responsible spending and on-time payments.

    Get 1% cash back right away. Earn up to 1.5% when you pay on time. Plus 2% - 10% bonus cash back at select merchants.

    Freeze your card at any time to protect your account. And rest easy knowing your data is safe and encrypted.

    Read full review

  • Pros:
    • No annual fee
    • No returned payment fee
    • No foreign transaction fee
    • You can apply even if you have no credit history
    • No late fees
  • Cons:
    • No signup bonus
    • Cash advances are not permitted
    • Those who filed for bankruptcy may be rejected
    • Balance transfers are not allowed
    • No intro APR offer
  • Benefits:
    • No foreign transaction fee;
    • Petal 2 reports to all 3 major credit bureaus;
    • Qualify with average credit.
View all Petal® 2 “Cash Back, No Fees” Visa® details
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On WebBank‘s site
Card detail
First Access Visa® The Bank of Missouri
Annual fee:
$75 annual fee for first year
$48 annually
Regular APR:
34.99%
Our Rating:
4.2
scorer
Credit score
No Credit History to Fair (0-669)
    • Issuer name:
      The Bank of Missouri
    • Details:

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

      The First Access Visa Card's APR: 34.99%.

      The First Access Visa Credit 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
      • No rewards
    • Benefits:
      • 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

    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
      First Progress Platinum Prestige Mastercard® Secured Synovus Bank
      Annual fee:
      $49 annually
      Regular APR:
      13.74% Variable
      Our Rating:
      3.8
      scorer
      Credit score
      No Credit History to Fair (0-669)
        • 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 First Progress Platinum Prestige Mastercard® doesn’t earn a welcome bonus.

          The First Progress Platinum Prestige Mastercard® comes with an annual fee of $49. The card's APR: 13.74% (Variable for purchases), 22.74% (Variable for cash advances).

          First Progress reports to all three major credit agencies, so even if you have bad credit, you’ll be able to improve on your credit standing provided you use your card responsibly.

          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
          • No Bonuses or Rewards
          • Foreign Transaction Fees
          • Unavailability of Card for Certain Geographies in the US
        • Benefits:
          • Accepted Nationwide;
          • No Minimum Credit Score;
          • No Credit History Required.
        View all First Progress Platinum Prestige Mastercard® Secured details
        Apply now
        On First Progress’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

        WebBank Petal® 1 "No Annual Fee" Visa® best for For bad credit

        Petal® 1 "No Annual Fee" Visa® WebBank
        Annual fee:
        $0
        Regular APR:
        22.99% - 32.49% Variable
        Our Rating:
        4.34
        scorer
        Credit score
        No Credit History to Good (0-739)
        • Rewards Rate:
          • 2% - 10%:
          • Cash Back at select merchants.
        • Issuer name:
          WebBank
        • Details:

          The Petal® 1 "No Annual Fee" Visa® Card earns 2% - 10% Cash Back from select merchants.

          The Petal® 1 Card has no annual fee. The card's APR for purchases: 22.99% to 32.49% (Variable).

          The Petal® 1 "No Annual Fee" Visa® Card does not charge an annual fee or fee for foreign transactions.

          Read full review

        • Pros:
          • No Annual Fee
          • No Foreign Transaction Fee
        • Cons:
          • No welcome bonus
          • No intro APR period
        • Benefits:
          • 2 - 10% Cash Back;
          • Zero liability fraud protection;
          • $300 - $5,000 credit limits.
        View all Petal® 1 "No Annual Fee" Visa® details
        Apply now
        On WebBank‘s site
        Card detail
        Celtic Bank NJIT PRO
        Annual fee:
        $0
        Regular APR:
        18.24% - 25.24% Variable
        Our Rating:
        3.46
        scorer
        Credit score
        Fair to Good (580-739)
        • Rewards Rate:
          • 3% Cash Back on travel.
          • 2% Cash Back on restaurants.
          • 1% Cash Back on all other purchases.
        • Issuer name:
          Celtic Bank
        • Details:

          The NJIT PRO Credit Card is a co-branded card from Deserve and Celtic Bank.

          The Card earns 3% Cash Back on travel, 2% Cash Back on restaurants and 1% Cash Back on all other purchases.

          The NJIT PRO Card doesn't charge an annual fee.

          The APR for purchases is 18.24% - 25.24% Variable.

        • Pros:
          • No Annual Fee
          • No Foreign Transaction Fee
        • Cons:
          • Balance transfers and cash advances are not available
        • Benefits:
          • 3% Cash Back on travel;
          • 2% Cash Back on restaurants;
          • 1% Cash Back on all other purchases;
          • Cellphone Protection up to $600;
          • Mastercard ID Theft Protection™;
          • Mastercard Airport Concierge™;
          • Mastercard Global Service.
        Card detail