First Access Visa® CardLimited offer

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Best Credit Cards for Students 2025

Updated May 02, 2025

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First Access Visa® Card

$75.00 for the 1st year, $48.00 after

Annual Fee

35.99%

Regular APR

Earn 1% cash back rewards on payments made to your First Access Credit Card.

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First Progress Platinum Prestige Mastercard® Secured Credit Card

$49

Annual Fee

14.24%

Regular APR

Cash Back rewards on payments.

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On First Progress’s site

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First Access Visa® Card best for Low income

First Access Visa® Card

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Annual fee:

$75.00 for the 1st year, $48.00 after

Regular APR:

35.99%

Our Rating:

4.2

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.

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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

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).
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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:
- 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.

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Celtic Bank NJIT PRO

Annual fee:

Regular APR:

18.24% - 25.24% Variable

Our Rating:

3.46

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.

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Clearview® Federal Credit Union Student Platinum Mastercard®

Annual fee:

Regular APR:

6.99% Promotional Rate on purchases made through December 31, 2022
12.24% - 18.00% Variable

Our Rating:

3.94

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.

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Space Coast Credit Union Student Visa®

Annual fee:

Regular APR:

18.00% Variable

Our Rating:

2.79

Credit score

No Credit History to Poor (0-579)

Balance Transfer APR:
18.00% Variable

Issuer name:
Space Coast Credit Union
Details:
The Space Coast Credit Union Student Visa® Credit Card doesn't charge an annual fee.
The APR for purchases and balance transfers is 18.00% Variable.

Pros:
- No Annual Fee
Cons:
- Foreign Transaction Fee
- No Intro APR period

Benefits:
- Travel and Emergency Assistance Services;
- ID Navigator Powered by NortonLifeLock;
- Roadside Assistance;
- Visa Account Updater;
- Digital Wallet Payment Options;
- Visa Zero Liability Protection.

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Webster Bank College Real Rewards

Annual fee:

Regular APR:

19.49% - 29.74% Variable

Our Rating:

4.28

Credit score

Fair to Good (580-739)

Rewards Rate:
- 1.5x Points for every $1 you spend on eligible net purchases.
Intro Offer:
- 2,500x Bonus points after your first purchase.
Purchase Intro APR:
0% Introductory APR for the first 6 billing cycles
Balance Transfer APR:
19.49% - 29.74% Variable

Issuer name:
Webster Bank
Details:
The Webster Bank College Real Rewards Credit Card earns 2,500 points after your first purchase. The Card offers 1.5x points for every $1 you spend on eligible net purchases.
The Webster Bank College Real Rewards Card doesn’t charge an annual fee.
The Card has a 0% introductory APR period for 6 billing cycles on purchases. In addition, there is a 0% introductory APR period for 6 billing cycles on balance transfers made within 186 days of account opening. After that, the variable APR is 19.49% - 29.74%.

Pros:
- No Annual Fee
- Intro APR period
Cons:
- Foreign Transaction Fee

Benefits:
- 2,500 points after your first purchase;
- 1.5x points for every $1 you spend on eligible net purchases;
- Zero Fraud Liability;
- Emergency Card Replacement;
- Travel and Emergency Assistance;
- Extended Purchase Warranties.

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Celtic Bank Notre Dame EDU

Annual fee:

Regular APR:

20.99% Variable

Our Rating:

1.7

Credit score

Fair to Good (580-739)

Rewards Rate:
- 1% Cash Back on all purchases.

Issuer name:
Celtic Bank
Details:
The Celtic Bank Notre Dame EDU Credit Card earns 1% Cash Back on all purchases. Use your Deserve EDU card to sign up for an Amazon Prime Student subscription and get reimbursed up to a life-time total of $69.
The Notre Dame EDU Card doesn't charge an annual fee. The APR for purchases is 20.99% Variable.

Pros:
- No Annual Fee
- No Foreign Transaction Fee
Cons:
- Balance transfers and cash advances are not available

Benefits:
- 1% Cash Back on all purchases;
- Amazon Prime Student;
- Cellphone Protection;
- Collision Damage Waiver;
- Mastercard ID Theft Protection™;
- Mastercard Airport Concierge™.

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Celtic Bank NJIT EDU

Annual fee:

Regular APR:

20.99% Variable

Our Rating:

1.7

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.

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Valley Visa Signature® College Real Rewards

Annual fee:

Regular APR:

19.49% - 29.74% Variable

Our Rating:

3.52

Credit score

Good to Excellent (670-799)

Rewards Rate:
- 1.5x Points on eligible net purchases.
Intro Offer:
- 2,500x Bonus rewards points awarded after the first purchase, redeemable for $25 cash back, merchandise, gift cards or travel savings.
Purchase Intro APR:
0% Introductory APR for the first 6 billing cycles
Balance Transfer APR:
19.49% - 29.74% Variable

Issuer name:
Valley
Details:
The Valley Visa Signature® College Real Rewards Credit Card earns 2,500 bonus points after the first purchase (redeemable for $25 cash back, merchandise, gift cards or travel savings). The Card offers 1.5x points on all other purchases.
The Card doesn't charge an annual fee.
The Visa Signature® College Real Rewards Card offers an introductory 0% APR for the first 6 billing cycles on purchases and balance transfers (within 186 days from account opening), then 19.49% - 29.74% Variable.

Pros:
- No Annual Fee
- Intro APR period
Cons:
- Foreign Transaction Fee

Benefits:
- 2,500 bonus rewards points awarded after the first purchase (redeemable for $25 cash back, merchandise, gift cards or travel savings);
- 1% Cash Back on all purchases;
- Zero Fraud Liability.

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Commerce Bank NDSU Visa® Rewards

Annual fee:

Regular APR:

20.49% - 30.49% Variable

Our Rating:

4.8

Credit score

Good to Excellent (670-799)

Rewards Rate:
- 3% Cash Back on streaming, cable and ridesharing services.
- 2% Cash Back on gas and restaurants.
- 1% Cash Back on all other eligible purchases.
Purchase Intro APR:
1.99% Introductory APR for 6 monthly billing cycles after account opening
Balance Transfer APR:
20.49% - 30.49% Variable

Issuer name:
Commerce Bank
Details:
The Commerce Bank NDSU Visa® Rewards Credit Card earns 3% Cash Back on streaming, cable and ridesharing services, 2% Cash Back on gas and restaurants and 1% Cash Back on all other eligible purchases.
The NDSU Visa® Rewards doesn't charge an annual fee.
Cardholders can enjoy an interest rate of 1.99% for both purchases and balance transfers for the first 6 billing cycles (20.49% - 30.49% Variable after that).

Pros:
- No Annual Fee
Cons:
- Foreign Transaction Fee

Benefits:
- 3% Cash Back on streaming, cable and ridesharing services;
- 2% Cash Back on gas and restaurants;
- 1% Cash Back on all other eligible purchases;
- Zero-Liability Protection.

View all NDSU Visa® Rewards details

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