Best Student Cards
Build credit while in school. Here are our top picks for 2025.
OUR TOP PICK
Chase
Chase Freedom Rise℠
4.5/5
ANNUAL FEE
$0
APR
25.49%–29.99% variable
WELCOME BONUS
$25 autopay statement credit
REWARDS
1.5% unlimited cash back
WHY WE LOVE IT
- ✓No annual fee makes it accessible for credit builders
- ✓Earn 1.5% cash back on all purchases while establishing credit
- ✓$25 autopay bonus encourages responsible payment habits
- ✓**Automatic upgrade consideration** to Chase Freedom Unlimited® after one year
- ✓No minimum redemption threshold for cash back
- ✓Robust purchase protections (unusual for a credit-building card)
- ✓6 months DashPass and quarterly DoorDash discounts
- ✓Free credit score monitoring via Chase Credit Journey
- ✓Reports to all three major credit bureaus
MORE GREAT OPTIONS
Discover
Discover it® Student Cash Back
4.5
NO FEEAnnual Fee:$0
Welcome Bonus:Unlimited Cashback Match + $20/year...
REWARDS
5% rotating categories + 1% on everything else
What to Consider
How do I choose the right student cards card?▼
Consider your spending habits, credit score, and financial goals. Look at the rewards structure, annual fees, and additional benefits to find the best match for your needs.
What credit score do I need?▼
Most student cards cards require good to excellent credit (670+). However, some cards are available for those building or rebuilding credit. Check each card's requirements before applying.
Are annual fees worth it?▼
It depends on how you use the card. Cards with annual fees often offer higher rewards rates and premium benefits. Calculate if the rewards and perks you'll use outweigh the fee.
Ready to Apply?
Compare all student cards cards or explore other categories to find your perfect match.