Best Student Credit Cards in the USA

Here are four popular, no-annual-fee student credit cards that are great for building credit while earning rewards. Choose the one that matches your spending habits and travel needs.

1. Discover it® Student Cash Back

Overview: One of the most popular student cards in the USA. No annual fee and excellent for cash-back earnings.

Rewards: 5% cash back on rotating categories each quarter (e.g., gas, groceries, restaurants, Amazon) up to the quarterly cap; 1% on all other purchases.

Perks: Cashback Match at the end of the first year and free FICO® Score access to monitor credit-building progress.

Best For: Students new to credit who want to build history and maximize cash back.

2. Chase Freedom® Student Credit Card

Overview: Simple and straightforward option for beginners. No annual fee and consistent rewards.

Rewards: 1% unlimited cash back on every purchase — no rotating categories or caps.

Perks: $20 Good Standing Reward each year (for up to 5 years) when you pay on time and potential credit limit increases with good payment history.

Best For: Students who want a no-fuss card with steady rewards and reliability.

3. Capital One SavorOne Student Cash Rewards

Overview: Great for students who spend on dining, entertainment, and streaming. No annual fee.

Rewards: 3% cash back on dining, entertainment, popular streaming services, and grocery stores; 1% on all other purchases.

Perks: Fraud protection and flexible redemption options including cash, gift cards, and travel.

Best For: Students who spend heavily on food, movies, concerts, and streaming.

4. Bank of America® Travel Rewards for Students

Overview: Ideal for international students or frequent travelers. No annual fee and no foreign transaction fees.

Rewards: 1.5 points per $1 on all purchases (points do not expire).

Perks: Redeem points for flights, hotels, and travel expenses. Includes travel and purchase protections.

Best For: Students who travel often or study abroad.

Final Thoughts

All four cards come with no annual fees, making them excellent entry-level picks for students. Choose based on your priorities: max cashback, simplicity, food & entertainment, or travel. Always pay your balance in full each month to avoid interest and build a strong credit score early.