Best Credit Builder Cards for Students

Students looking to build their credit need a reliable credit builder card with low fees, reasonable interest rates, and features designed to promote financial responsibility.

Below are some of the best credit builder cards tailored for students, each offering unique benefits to help establish a strong credit history.

Discover it® Student Cash Back

This card is ideal for students who want to earn rewards while building their credit. It provides a generous cash-back program, offering a percentage back on rotating categories such as dining, gas stations, and online shopping.

All other purchases earn a standard cash-back rate. Additionally, it comes with no annual fee, free credit score monitoring, and an introductory cashback match at the end of the first year.

Capital One Platinum Secured Credit Card

A secured credit card designed for students and individuals with no credit history. The required security deposit determines the initial credit limit, making it an excellent choice for those looking to start their credit journey.

Over time, responsible usage can lead to credit line increases. The card also has no annual fee and reports activity to all three major credit bureaus, helping students establish a positive credit history.

Petal® 2 “Cash Back, No Fees” Visa® Credit Card

This card is a great option for students who want to avoid fees while earning rewards. Unlike traditional credit builder cards, it does not require a security deposit and does not charge annual fees, late fees, or foreign transaction fees.

It offers a cash-back program that starts at a base rate and increases with responsible usage. Additionally, applicants with limited credit history may still be eligible based on their financial habits.

Chase Freedom® Student Credit Card

A well-rounded student credit card that offers consistent rewards and a credit limit increase opportunity after several consecutive on-time payments.

Cardholders can benefit from a cash-back program on all purchases, along with a potential sign-up bonus after their first purchase. Additional features include free credit score tracking and educational resources to help students learn about credit management.

Deserve® EDU Mastercard for Students

Designed with international students in mind, this card does not require a Social Security Number for eligibility.

It provides a cash-back program on everyday purchases, and additional perks such as a complimentary subscription to a popular student-focused service after meeting a minimum spending requirement. It also reports to major credit bureaus, making it a great choice for students who need to build a credit profile from scratch.

OpenSky® Secured Visa® Credit Card

Unlike most credit cards, this one does not require a credit check for approval, making it accessible for students who have no prior credit history. It requires a security deposit but helps users build credit by reporting to all three major credit bureaus.

Since there is no credit check involved, it can be a good option for those who want to start their credit journey without worrying about approval odds.