The Best Credit Cards For College Students of 2015

Credit cards for college students has always been a hot button topic.  Some advocate that credit cards are evil and providing them to college students is an unethical practice.  Others would argue that offering credit cards to young adults allows for the management of finances at a young age, thus preparing them better for when they’re off on their own.

Regardless of what side of the fence you sit, educating students about credit cards is extremely important.  If you are a student and need a credit card to make your everyday purchases, we have a great list of credit cards for you to consider below.  Each credit card has its advantages, but there’s one that really sticks out as the best.

Discover it® for Students
Discover it® for Students
More Details
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on your first late payment. And paying late won't increase your APR.*
  • 5% cash back for online shopping and department store purchases on up to $1,500 - Oct. through Dec. 2014 when you sign up for 5%*. 1% cash back on all other purchases.
  • Free FICO® Credit Score online and on monthly statements.*
  • 100% U.S.- based customer service - anytime, day and night
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text and never responsible for unauthorized Discover card purchases.
  • 0% intro APR* on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99%.
  • Free text alerts can remind you when your payment is due. And free mobile app helps you stay on top of your account.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
Purchases Balance Transfers Regular APR Annual Fee
Intro APR Intro APR Period Intro APR Intro APR Period
0% 6 Months See Terms See Terms 12.99% – 21.99%* Variable $0
661 Average credit score approved for this card† 614 Lowest credit score approved for this card†

* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Now” button, you can review the credit card terms and conditions on the issuer’s website.

Discover is a paid advertiser of this site.

Published or Updated: January 6, 2015
About Rob Berger

Rob founded the Dough Roller in 2007. A litigation attorney in the securities industry, he lives in Northern Virginia with his wife, their two teenagers, and the family mascot, a shih tzu named Sophie.


  1. TODHD says:

    I am probably going to try to avoid credit cards for awhile.

  2. james gilbert says:

    I think this is a good article as far as giving info on credit cards that are great for students to get. But I would like to say this, being a college grad I would stay away from credit cards all together. This is part of the reason for my credit card debt now. And for what a t-shirt and a water bottle, that was the incentives they were giving out back in 98 for signing up for a credit cards. I’m not sure what they are giving today, maybe gift cards.

    • Rob Berger says:

      James, staying away from credit cards is never a bad choice. I had one in college because I went to school 15 hours away from home and was concerned about handling financial emergencies. Today it’s a lot easier to get money from home if you need it.

  3. Bianca says:

    I’m currently in college and have applied for two credit cards. First i applied for discovery student credit card and was denied because i have no credit. When i told the lady that’s why i needed a credit card she said you do not have student loans to which i replied no i’m on scholarship. Then i went to bank of america for a secured card and was denied because i did not make enough. I really want to start building credit so i’ll have a credit history when i graduate, move out on my own and can buy furniture. How will i do that if i keep getting denied?

    • Bianca says:

      Both my parents either have bad credit or no credit cards they can sign me on to as well. :/

      • Rob Berger says:

        Bianca, if your parents have bad credit or no credit, they probably won’t be much help to you. Another option to build your credit is a secured credit card. You have to deposit cash with the credit card company equal to your credit limit. But these cards do help build credit. And once you move to a traditional credit card, you get your deposit back.

  4. walter says:

    what about people who come from different continent?for example i am a kenyan can i access credit card for my education?

    • Rob Berger says:

      Walter, once you establish an address in the U.S., I think you can apply for a U.S. credit card.

Speak Your Mind