Online ordering, low cost, quickness. Free credit card applications made easy for students. We provide the best VISA, Discover and MasterCard
college credit card offers.
Building good credit can take time. Typically most people's first credit card is secured - this is because a lot of credit card companies look at students as being "high risk", as most students have yet to establish credit and are typically not making a substantial income.
However there are still a number of credit card companies prepared to issue student credit cards. Therefore if you're fortunate to get approved for a student credit card, think of it as a good opportunity to build your credit and take advantage of the things you can't afford now but will in the future. At the same time respect your credit, don't abuse your opportunity to establish a good credit foundation for your future.
Student Credit Card Mini Tutorial
What is credit?
Credit is a contract based on your promise to pay in the future for goods and services you receive today.
What types of credit exist?
- Two basic types of credit are secured and unsecured. Secured credit means that the product you purchased, such as a car, appliance or furniture, serves as collateral to guarantee the debt. If you do not make a payment, the creditor can legally take possession of the product.
- Unsecured credit is based on your promise and signature to repay the debt without committing your savings or other collateral as a guarantee.
Credit cards can be either secured or unsecured, but most credit cards are unsecured.
How can you obtain a credit card?
If you have not established credit, several options can help you obtain a credit card:
- Have a parent or legal guardian arrange for you to have a supplemental card. Your card will be billed to their credit card account.
- Have a parent or legal guardian cosign your credit card application. If you are unable to pay the monthly bill, then your parents must assume responsibility for the repayment.
- Open a saving and/or checking account at a bank or credit union and agree to maintain one month's credit limit in a savings account. Then if you do not pay your monthly payment, the bank will remove the money from your account.
What kind of credit cards are available?
- Travel and Entertainment cards, such as American Express or Diner's Club. They are usually not available to students because they are used by businesses and consumers for travel and entertainment expenses and have an annual fee.
- Bank cards, such as MasterCard, Visa, Discover and Optima. These credit cards are sponsored by individual banks and are considered all purpose cards since they can be used to pay for a variety of goods and services. Each bank decides credit limits, annual fees, terms and conditions.
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Are you still studying, but you want to have a Credit Card or a Guaranteed Approval Card?
Just browse through our offers below and you can instantly order by a mouseclick. As simple as it is!
Looking for a student credit card, but don't know which to choose? With so many types of credit cards available, it can be frustrating trying to decide which one is right for you. The first thing to do is a bit of research, which is made easy by us. Just read through the list and make your choice.
If you don't find the most suitable solution for you, then have a look at our approved links section for more credit card related sites! Please remember reading the terms and conditions before applying to the following stundent credit cards.
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Discover® Student Card- Clear
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0% Intro APR* on Purchases for 6 Months
No Annual Fee
$0 Fraud Liability Guarantee
Easy Online Account Management Options
5% Cashback BonusŪ on Get More purchases in popular categories that change four times a year like home, apparel and more*
Up to 20% Cashback BonusŪ when you shop online*
Unlimited cash rewards, automatically
Double rewards with more than 80 Cashback Bonus Partners*
Cool, Clear Design
*View DiscoverŪ Card Rates, Fees, Rewards and Other Important Information.
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Discover® Student Open RoadSM Card
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0% Interest* on Purchases for 6 Months
Build Your Credit History
Full 5% Cashback BonusŪ on gas and auto maintenance purchases*
Up to 1% Cashback Bonus on all other purchases*
$0 Fraud Liability Guarantee
No Annual Fee
Online Account Access
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Discover® Student Card- Monogram
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0% Intro APR* on Purchases for 6 Months
Up to 20% Cashback BonusŪ when you shop online*
Unlimited cash rewards, automatically
No Annual Fee
Easy Online Account Management Options
$0 Fraud Liability Guarantee
*View DiscoverŪ Card Rates, Fees, Rewards and Other Important Information.
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Discover® Student Card
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0% Intro APR* on Purchases for 6 Months
Up to 20% Cashback BonusŪ when you shop online*
Unlimited cash rewards, automatically
No Annual Fee
$0 Fraud Liability Guarantee
Easy Online Account Management Options
*View DiscoverŪ Card Rates, Fees, Rewards and Other Important Information.
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Discover® Student Card- Tropical Beach
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0% Intro APR* on Purchases for 6 Months
Up to 20% Cashback BonusŪ when you shop online*
Unlimited cash rewards, automatically
No Annual Fee
$0 Fraud Liability Guarantee
Easy Online Account Management Tools
Tropical Beach Design
*View DiscoverŪ Card Rates, Fees, Rewards and Other Important Information.
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Orchard Bank Classic MasterCard®
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The Orchard Bank MasterCard is a great card to help you rebuild your credit and is loaded with built-in benefits to help you manage your account. Get pre-qualified in less than 60 seconds for a card that fits your credit profile, at no risk to your credit score.
Reporting to major credit bureaus providing opportunity to rebuild credit
Your choice of payment due dates to fit your schedule
Free Standard Bill Pay and online account management tools
Periodic credit limit increase reviews to strengthen your buying power
E-alerts to your email or cell phone to remind you when a payment is due
You could also qualify for a Platinum, Gold or Secured card
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Orchard Bank Secured MasterCard®
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Start building or rebuild your credit with the Orchard Bank Secured MasterCard. Weve loaded it with built-in features that make managing your account easy and convenient plus benefits you can really use. Get pre-qualified in less than 60 seconds for a card that fits your credit profile, at no risk to your credit score.
Set your own credit limit starting at $200, all online
The perfect card to start building or rebuild your credit
Reporting monthly to all major credit bureaus
Your choice of payment due dates to fit your schedule
Free standard bill pay and online account management tools
E-alerts to your email or cell phone to remind you when a payment is due
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New Millenium Bank Secured Black Diamond Mastercard®
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Approved regardless of credit history
Credit limits up to $10,000*
Reports to all 3 bureaus
Get cash at over 740,000 ATMs
No credit check
* Terms and conditions apply.
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New Millenium Bank Secured Black Diamond Visa®
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Approved regardless of credit history
Credit limits up to $10,000*
Reports to all 3 bureaus
Get cash at over 740,000 ATMs
No credit check
* Terms and conditions apply.
read more...
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