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Best student credit cards

Student cards should be simple, low-fee, and useful for building credit history with responsible use.

Credit card terms, welcome offers, APRs, credits, and eligibility rules can change without notice. BillSaver summarizes publicly available card terms for comparison only; verify rates, fees, rewards, and offer language with the issuer before applying. BillSaver may receive compensation from approved product relationships; compensation does not replace issuer terms or editorial fit. Read how BillSaver evaluates cards and handles advertising disclosures.

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Student dining and grocery rewards

Capital One Savor Student Cash Rewards Credit Card

Annual fee: $0
Rewards: 3% cash back at grocery stores, dining, entertainment, and popular streaming services; 5% on hotels and rental cars booked through Capital One Travel; 1% on other purchases.
Intro APR: No standard intro APR offer.

A student card with useful real-life categories and no annual or foreign transaction fee.

Terms last checked August 5, 2026. Offers and eligibility can change.

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Student rotating cash back

Discover it® Student Cash Back

Annual fee: $0
Rewards: 5% cash back in activated quarterly categories up to the quarterly cap, then 1%; 1% on other purchases.
Intro APR: 0% intro APR for 6 months on purchases.

A no-fee first card with rewards and credit-bureau reporting.

Terms last checked August 5, 2026. Offers and eligibility can change.

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Shortlist up to 3 cards before leaving BillSaver. No cards selected. Use this as a fit check. Exact APRs, welcome offers, fees, credits, and eligibility rules still need issuer verification.

Rows link to issuer terms instead of application pages unless an approved relationship exists. Card details are summarized for comparison and may change.

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Card	Best for	Rewards	Welcome offer	Annual fee	Intro APR	Regular APR	Transfer fee	Foreign transaction fee	Credit profile	Terms
Compare Capital One Savor Student Cash Rewards Credit Card Capital One · Students Read review	Student dining and grocery rewardsA student card with useful real-life categories and no annual or foreign transaction fee.	3% cash back at grocery stores, dining, entertainment, and popular streaming services; 5% on hotels and rental cars booked through Capital One Travel; 1% on other purchases.	Students earn a $100 cash bonus after qualifying purchases; confirm the current spend deadline with Capital One.	$0	No standard intro APR offer.	18.49% to 28.49% variable APR.	Balance transfer fee applies.	$0	Students	Issuer terms
Compare Discover it® Student Cash Back Discover · Students Read review	Student rotating cash backA no-fee first card with rewards and credit-bureau reporting.	5% cash back in activated quarterly categories up to the quarterly cap, then 1%; 1% on other purchases.	$100 statement-credit bonus after you spend $300 in the first 3 months, plus Cashback Match for first-year cash back for new cardmembers.	$0	0% intro APR for 6 months on purchases.	16.49% to 25.49% variable APR.	Balance transfer fee applies.	$0	Students	Issuer terms

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Start here Best cards 10 cards Everyday rewards Cash back 17 cards Points and cash Rewards 23 cards Points and miles Travel 6 cards Pay down debt Balance transfer 7 cards Intro financing 0% APR 9 cards Household spending Groceries & dining 5 cards First card Students 2 cards Secured and fair credit Build credit 5 cards Deposit-backed Secured 2 cards Approval fit Fair credit 1 cards Getting started First card 5 cards International use No foreign transaction fee 7 cards Borrowing cost Low interest 9 cards Small business Business 2 cards Lower cost No annual fee 15 cards

How to use the table

Start with the reason you want the card. Rewards cards make sense when you pay in full. Balance transfer and 0% APR cards should be judged by the transfer fee, length of the promotional window, and your payoff plan. Credit-building cards should be judged by cost, reporting, deposit rules, and the habit of on-time payments.

Do not treat the richest welcome offer as the whole decision. A card with a lower annual fee, simpler rewards, or a shorter but cheaper balance-transfer period can be the better fit for a household budget.

For the reasoning behind the fields, categories, and disclosures, read the BillSaver credit card methodology.