Top College Student Credit Cards of 2023


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Are you a college student looking for a credit card? We know it is an essential step toward building a solid financial foundation. Choosing the best can be a complex process. Well, don’t worry! We have done some homework for you.

Through this guide, we will break down the top seven student credit cards in 2023, giving you the insights you need to make an informed decision.

So, let’s begin!

The Importance of Student Credit Cards & its Methodology

Why Student Credit Cards Matters?

Before we take you to our list of best student credit cards, let’s understand why student credit cards are crucial.

These cards offer a gateway to build credit early on. When you graduate, you’ll face big decisions like renting an apartment or getting a car loan. It becomes a factor that becomes crucial when you are graduating. Having a student credit card isn’t just about buying stuff; it’s about building your financial future. Therefore, having a good credit score can make these transitions much smoother.

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Methodology for Selection

Looking at perks, drawbacks, and what suits students’ spending habits. We have selected the best student credit cards, considering low fees, rewards programs, and beginner-friendly terms. We have carefully analyzed various cards based on these criteria to present you with the top choices. Here are the top 7 college student credit cards that stood out in 2023.

Top 7 College Student Credit Cards

Card 1: Discover it® Student Cash Back

Meet your new BFF – the Discover it® Student Cash Back card. It’s like having a money-saving sidekick on campus. Here’s the lowdown:


  • 5% cash back on different stuff every quarter (think groceries, restaurants, and more).
  • 1% cash back on everything else.

Welcome Bonus:

  • Discover doubles all the cash back you’ve earned in your first year.

Annual Fee:

  • Zilch, nada, zero.


Who’s it for? If you’re a U.S. student over 18 and want cash back on your college life, this one’s for you.

Card 2: Capital One SavorOne Student Cash Rewards Credit Card

Hungry for rewards? The Capital One SavorOne Student Cash Rewards Credit Card has your back:


  • 10% cash back on Uber & Uber Eats.
  • 8% on Capital One Entertainment.
  • 5% on hotels, rental cars, dining, and grocery stores.
  • 3% on streaming services.
  • 1% on everything else.
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Welcome Bonus:

  • Earn $50 after spending $100 in the first three months.

Annual Fee:

  • A big fat $0.


  • 19.99% – 29.99% variable.

Who’s it for? Foodies, entertainers, and students who love cash back on all things fun.

Card 3: Bank of America® Travel Rewards for Students

Ready for a travel adventure? The Bank of America® Travel Rewards for Students has you covered:


  • 1.5 points for every $1 spent.

Welcome Bonus:

  • An incredible 25,000 bonus points for spending $1,000 in the first 90 days.

Annual Fee:

  • Nope, it’s free.


  • 0% for the first 18 billing cycles on purchases.
  • 18.24% – 28.24% variable afterward.

Who’s it for? It is for students who dream of studying abroad or spending breaks in faraway places.

Card 4: Discover it® Student Chrome

Want to avoid the fuss of rotating categories? Discover it® Student Chrome keeps it simple:


  • You’ll get cashback of 2% on restaurants and gas stations, up to $1,000 each quarter.
  • 1% cash back on everything else.

Welcome Bonus:

  • Discover matches all your cash back at the end of the first year.

Annual Fee:

  • Zero, zilch, nada.


  • 0% for the first six months on purchases.
  • 18.24% – 27.24% Variable afterward.

Who’s it for? Students who want straightforward cash back without the quarterly activation drama.

Card 5: BankAmericard® Credit Card for Students

Do you need some financial flexibility? BankAmericard® Credit Card for Students has your back:


  • Sorry, none here.

Welcome Bonus:

  • None, but you have to wait for it.

Annual Fee:

  • $0.


  • 0% for the first 18 billing cycles on purchases and balance transfers.
  • 16.24% – 26.24% variable afterward.
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Who’s it for? This card suits students seeking an extended 0%-APR period for significant purchases or balance transfers.

Card 6: Petal® 2 “Cash Back, No Fees” Visa® Credit Card

First-timer? Petal® 2 “Cash Back, No Fees” Visa® Credit Card is your credit-building friend:


  • 1% cash back (up to 1.5% after 12 on-time monthly payments).
  • Earn cash back ranging from 2% to 10% at specific merchants.

Welcome Bonus:

  • Sorry, none here.

Annual Fee:

  • Big fat zero.


  • 18.24% – 32.24% variable.

Who’s it for? Students with no credit history who are looking for a simple, fee-free card.

How Do You Choose The Right Student Credit Card?

Now, the million-dollar question that comes to every student’s mind is: Which card is right for me? Here’s what you need to consider:

1.    Know Your Spending Habits

Are you a foodie? A travel enthusiast? Or perhaps a caffeine addict? Choose a card that supports your spending habits. It’s like getting rewarded for just being you.

2.    Consider the Fees

Nobody likes fees, right? Check for annual fees, balance transfer fees, and foreign transaction fees. A card with fewer fees is a friendlier card.

3.    APR Matters

If you foresee carrying a balance, pay attention to the Annual Percentage Rate (APR). Lower APR means less money out of your pocket in the long run.

Making The Most Of Your Student Credit Card!

Well, Congratulations on the selection of your student credit card! Now, here are a few tips that will work for you:

●     Pay on Time, Every Time

Don’t be late with your payments, if you do it’s not good! Make sure to pay your bills on time to escape those annoying late fees. It’s not just about avoiding the fees; paying on time also helps you build your credit like a pro!

●     Be Mindful of Your Limit

Your credit limit isn’t a green light to overspend. You must manage your expenses wisely to avoid falling into debt. It’s all about staying responsible and closely monitoring your financial well-being. So, use your credit wisely and avoid unnecessary financial pitfalls.

●     Enjoy the Perks

Student cards come with cool perks like cash back, travel rewards, or discounts. So, don’t forget to take advantage of these rewards!


There you have it,  the list of top college student credit cards in 2023. Building credit doesn’t have to be a drag. You can be an adult champ with the right card while earning rewards.

So, pick your plastic pal wisely, swipe responsibly, and welcome to the world of credit-savvy students!