Best Student Credit Cards
Our database has 6 live student credit cards. All of them are ranked below by overall score, with the fee, rewards and ongoing APR the issuer lists.
Ranked by math · Compensation never changes the order · Methodology
Student cards are built for a thin or brand-new credit file: modest limits, no annual fee on most, and rewards that look like the issuers’ regular cash back cards. Because a first card is mostly about building a payment history, the ongoing APR matters more than usual if you might carry a balance — it is shown on every card below.
The ranking
Card data checked October 9, 2026 · 6 cards compared
- 1
Capital One Savor Student Cash Rewards
Capital One · Mastercard- Annual fee
- $0
- Overall score
- 70
- Earn unlimited 3% cash back at grocery stores, on dining, entertainment and popular streaming services, plus 1% cash back on all other purchases
Welcome offer: Earn $50 Cash Back when you spend $100 in the first three months
- 2
Capital One Quicksilver Student Cash Rewards
Capital One · Visa- Annual fee
- $0
- Overall score
- 68
- Unlimited 1.5% cash back on all purchases
Welcome offer: Earn $50 Cash Back when you spend $100 in the first three months
- 3
Bank of America® Customized Cash Rewards for Students
Bank of America · Visa- Annual fee
- $0
- Overall score
- 63
- Ongoing APR
- 17.49%-27.49%
- 6% cash back first year in choice category (then 3%)
- 2% at grocery stores and wholesale clubs
- 1% on all other purchases
Welcome offer: $200 cash rewards bonus after $1,000 spend in 90 days
- 4
BankAmericard® Credit Card for Students
Bank of America · Visa- Annual fee
- $0
- Overall score
- 60
- Ongoing APR
- 14.99%–25.99%
- none
- 5
Bank of America® Unlimited Cash Rewards for Students
Bank of America · Visa- Annual fee
- $0
- Overall score
- 46
- Ongoing APR
- 17.49%-27.49%
- 2% cash back on all purchases first year, then unlimited 1.5%
Welcome offer: $200 cash rewards bonus after $1,000 spend in 90 days
- 6
Bank of America® Travel Rewards Credit Card for Students
Bank of America · Visa- Annual fee
- $0
- Overall score
- 41
- Ongoing APR
- 17.49%-27.49%
- 1.5 points per $1 on all purchases
Welcome offer: 25,000 bonus points after $1,000 spend in 90 days
How this page is built
Every live card our database tags as a student card. Sorted by each card’s overall score (final_score_blended). Partner (affiliate) links never change which cards appear or their order; an Apply button may become a labelled partner link, but the ranking is the same either way.
Card details come from our database, which is verified against each issuer’s own website; see our methodology, editorial policy and corrections policy.
Questions, answered from the data
Which student card ranks highest right now?
Capital One Savor Student Cash Rewards (Capital One) has the highest overall score among the 6 student cards we compared, followed by Capital One Quicksilver Student Cash Rewards and Bank of America® Customized Cash Rewards for Students.
Do student credit cards charge an annual fee?
6 of the 6 student cards in our database have a $0 annual fee.
Which issuers offer student cards?
In our database: Capital One and Bank of America.
How often is this list updated?
The site rebuilds whenever card data changes in our database and at least once a month. This page was built from data checked October 9, 2026. Always confirm current terms on the issuer’s site.