Student
Written by
Yehoshua King
Edited by
Ross Turner
No matter what a credit card company or advertisement says, there isn’t a single “best” credit card for everyone. The best card for you depends on your spending habits, credit score, existing debt and more. But with so many options to choose from, picking the right card can be intimidating. At The Points Navigator, we have reviewed all the top cards and compiled it into categorized lists with all the most important information to help you find the best card for YOU!
Capital One Quicksilver Student Cash Rewards Credit Card
See rates and fees
Rewards rate
Unlimited 1.5% cash back on every purchase, every day.
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Intro Offer
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Annual Fee
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Regular APR
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Recommended
Credit Score
Pros & cons
$0 annual fee, making it accessible for students.
Simple and straightforward rewards program offering 1.5% cash back on all purchases.
Easy to achieve intro offer, providing a $50 cash bonus for spending only $100 within the first 3 months.
No foreign transaction fees, beneficial for students studying abroad or traveling.
High APR, which could be costly if carrying a balance.
Cash back rate is consistent but may not be as high as some other student cards that offer bonus categories.
No introductory APR offer for purchases or balance transfers.
Card Details
The Capital One Quicksilver Student Credit Card is perfect for students looking to build credit and earn cash back. Enjoy unlimited 1.5% on everything, no annual fee, and an easy $50 bonus after spending just $100 within 3 months. No foreign transaction fees make it ideal for study abroad or travel. Just be aware of the high APR if you carry a balance.
Capital One SavorOne Student Cash Rewards Credit Card
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Rewards rate
Unlimited 3% cash back on dining, entertainment, popular streaming services, and at grocery stores (excluding superstores like Walmart and Target).
1% on all other purchases.
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Intro Offer
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Annual Fee
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Regular APR
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Recommended
Credit Score
Pros & cons
$0 annual fee, making it accessible for students.
Earn 3% cash back in popular categories such as dining, entertainment, streaming services, and grocery stores.
Simple and valuable intro offer of a $50 cash bonus for minimal initial spending.
No foreign transaction fees, beneficial for students studying abroad or traveling.
High APR range, which can be costly if carrying a balance.
Cash back on purchases outside of the bonus categories is limited to 1%.
Exclusions in the 3% cash back category, such as purchases at superstores and warehouse clubs.
Card Details
The Capital One SavorOne Student Credit Card is perfect for students looking to earn cash back on the things they love. Get an unlimited 3% on dining, entertainment, streaming services, and groceries (excluding superstores), plus a $50 bonus after spending just $100 within 3 months. There’s no annual fee, and no foreign transaction fees make it ideal for study abroad. Just remember the APR is high if you carry a balance.
Discover it Student chrome
Rewards rate
2% Cashback Bonus at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.
Unlimited 1% cash back on all other purchases.
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Intro Offer
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Annual Fee
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Regular APR
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Recommended
Credit Score
Pros & cons
Earn 2% cash back at gas stations and restaurants
Cashback Match at the end of your first year.
No annual fee.
Helps students build credit with responsible use.
Higher APR for cash advances.
Balance transfer fee applies.
Card Details
The Discover it® Student Chrome helps students earn rewards on everyday spending! Get 2% cash back on gas and restaurants (up to $1,000 per quarter) and 1% on everything else. Double your first year’s rewards with the Cashback Match! Enjoy no annual fee and the potential to build your credit with responsible use.
Discover it Student Cash Back
Rewards rate
5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.
1% cash back on all other purchases.
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Intro Offer
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Annual Fee
reg_apr,reg_apr_type
Regular APR
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Recommended
Credit Score
Pros & cons
Earn 5% cash back in rotating categories each quarter up to the quarterly maximum when you activate.
Cashback Match at the end of your first year.
No annual fee.
Helps students build credit with responsible use.
Higher APR for cash advances.
Requires activation to earn 5% cash back in rotating categories.
Card Details
The Discover it® Student Cash Back card fuels student spending! Earn 5% cash back on rotating categories (up to the quarterly maximum, activation required) and 1% on everything else. Double your rewards with the first year’s Cashback Match! Enjoy no annual fee, free access to your FICO® Score, and the potential to build credit with responsible use.
Discover it Chrome
Rewards rate
2% Cashback Bonus at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.
Plus, earn unlimited 1% cash back on all other purchases.
Unlimited
Cashback Match
Intro Offer
$0
Annual Fee
18.24% - 27.24% Variable APR
Regular APR
Poor: 500 - 600
Recommended
Credit Score
Pros & cons
Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter.
Unlimited Cashback Match at the end of your first year.
No annual fee.
Designed for students to help build credit history.
Higher APR for cash advances.
Requires active management to maximize rewards (quarterly sign-up for categories).
Card Details
The Discover it® Student Chrome is perfect for building credit and earning rewards! Get 2% cash back on gas and restaurants (up to $1,000 in combined purchases quarterly) and unlimited 1% on everything else. Double your first year’s rewards with the Cashback Match! Enjoy no annual fee and perks like travel protection. While the APR can be high depending on creditworthiness, this card offers a great start for students seeking to establish credit and earn rewards along the way.