🎓 Credit Feen’s:
Student Credit Cards & Loan Guide
Starting your credit journey as a student doesn’t have to be confusing — it can be empowering. Whether you’re in school full-time or just getting started financially, these student credit cards are designed with you in mind: low risk, no annual fees, and reporting to all three bureaus to help you grow.
As Credit Feen, I’ve done the homework for you. These cards aren’t just easy to get — they’re smart moves to start building real credit while keeping your focus on what matters: your future.
Let’s stack that credit the right way. 📚💳
As Credit Feen, I’ve done the homework for you. These cards aren’t just easy to get — they’re smart moves to start building real credit while keeping your focus on what matters: your future.
Let’s stack that credit the right way. 📚💳
Student Options
1. Discover it® Student Cash Back
Annual Fee: $0
Security Deposit: None (unsecured)
Reports to: Experian, Equifax, TransUnion
Highlights: 5% cash back on rotating categories; 1% elsewhere; Cashback Match first year
Apply: discover.com
2. Capital One SavorOne Student Cash Rewards Credit Card
Annual Fee: $0
Security Deposit: None (unsecured)
Reports to: Experian, Equifax, TransUnion
Highlights: 3% cash back on dining, entertainment, streaming, and grocery (not Walmart/Target)
Apply: capitalone.com
3. Capital One Quicksilver Student Cash Rewards Credit Card
Annual Fee: $0
Security Deposit: None (unsecured)
Reports to: Experian, Equifax, TransUnion
Highlights: 1.5% unlimited cash back on every purchase; simple and flat rewards
Apply: capitalone.com
4. Chase Freedom® Student Credit Card
Annual Fee: $0
Security Deposit: None (unsecured)
Reports to: Experian, Equifax, TransUnion
Highlights: $50 bonus after first purchase; 1% cash back; upgrade path to other Chase cards
Apply: chase.com
5. Bank of America® Customized Cash Rewards Credit Card for Students
Annual Fee: $0
Security Deposit: None (unsecured)
Reports to: Experian, Equifax, TransUnion
Highlights: 3% cash back in category of choice; 2% at grocery/wholesale; 1% elsewhere
Apply: bankofamerica.com
6. Deserve® EDU Mastercard for Students
Annual Fee: $0
Security Deposit: None
Reports to: Experian, Equifax, TransUnion
Highlights: 1% cash back on all purchases; no SSN required for international students
Apply: deserve.com
7. Petal® 1 Rise Visa® Credit Card (Student Friendly)
Annual Fee: $0–$59 (varies)
Security Deposit: None
Reports to: Experian, Equifax, TransUnion
Highlights: Great for limited/no credit; uses cash flow for approval
Apply: petalcard.com
*This document is intended for educational purposes only.
1. Discover it® Student Cash Back
Annual Fee: $0
Security Deposit: None (unsecured)
Reports to: Experian, Equifax, TransUnion
Highlights: 5% cash back on rotating categories; 1% elsewhere; Cashback Match first year
Apply: discover.com
2. Capital One SavorOne Student Cash Rewards Credit Card
Annual Fee: $0
Security Deposit: None (unsecured)
Reports to: Experian, Equifax, TransUnion
Highlights: 3% cash back on dining, entertainment, streaming, and grocery (not Walmart/Target)
Apply: capitalone.com
3. Capital One Quicksilver Student Cash Rewards Credit Card
Annual Fee: $0
Security Deposit: None (unsecured)
Reports to: Experian, Equifax, TransUnion
Highlights: 1.5% unlimited cash back on every purchase; simple and flat rewards
Apply: capitalone.com
4. Chase Freedom® Student Credit Card
Annual Fee: $0
Security Deposit: None (unsecured)
Reports to: Experian, Equifax, TransUnion
Highlights: $50 bonus after first purchase; 1% cash back; upgrade path to other Chase cards
Apply: chase.com
5. Bank of America® Customized Cash Rewards Credit Card for Students
Annual Fee: $0
Security Deposit: None (unsecured)
Reports to: Experian, Equifax, TransUnion
Highlights: 3% cash back in category of choice; 2% at grocery/wholesale; 1% elsewhere
Apply: bankofamerica.com
6. Deserve® EDU Mastercard for Students
Annual Fee: $0
Security Deposit: None
Reports to: Experian, Equifax, TransUnion
Highlights: 1% cash back on all purchases; no SSN required for international students
Apply: deserve.com
7. Petal® 1 Rise Visa® Credit Card (Student Friendly)
Annual Fee: $0–$59 (varies)
Security Deposit: None
Reports to: Experian, Equifax, TransUnion
Highlights: Great for limited/no credit; uses cash flow for approval
Apply: petalcard.com
*This document is intended for educational purposes only.
Student Loan Options
Get a Bonus with SOFI when your STUDENT LOAN is REFINANCED!