Student Credit Cards
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Student Credit Card Programs


Here are card issuers that offer affordable student credit cards. These programs are specifically-designed to meet the needs and financial capabilities of a majority of college students, nowadays.

Some of the requirements for these credit card programs, particularly the amount of past credit, are quite lax. However, if you have fair or poor credit standing then, we suggest you check out our Guaranteed Approval Credit Cards or one of our Bad Credit Unsecured Credit Cards. These prepaid and unsecured card accounts are especially designed for jumpstarting and rebuilding your credit history. That's because the issuers of such programs submit timely reports of consumer activities to the three major credit reporting agencies.

If you wish to build your credit profile and you need an unsecured credit card that carries a high spending limit then, it is highly-recommended that you apply for one of our merchandise credit cards. They come with huge credit limits (usually as much as $7500). Issuers of these card programs will report your transactions to the credit bureaus to assist you in building what most banks call "comparable credit". This way, you can improve yoru chances of qualifying for huge loans or lines of credit, later on.



Limited to no credit


Horizon Gold - Popular

Our fast and easy application could be just what you need. A $500 credit line could be available to you faster than you ever thought possible.


Vast Platinum

Our fast and easy application could be just what you need. A $500 credit line could be available to you faster than you ever thought possible.



Net First Platinum

We won't check your credit and you will not be denied for bad credit. Buy Now... Pay Later! Purchase your products now and enjoy our low monthly payments.



Next Millennium

The Next Millennium Online credit line is a members-only club for online shopping. Purchase your products now and enjoy our low monthly payments. Only $19.95 per month with a one-time enrollment fee.





At least 4 tradelines Fair Credit


Credit One Bank® Visa® - No Deposit Required

  • Automatic reviews for credit line increase opportunities
  • See if you Pre-Qualify without harming your credit score
  • Zero fraud liability protects you from unauthorized charges


First Access Visa® Card

Get the security and convenience of a full-feature, unsecured VISA® Credit Card – accepted at millions of merchant and ATM locations nationwide and online.


Credit One® Platinum Visa® Rewards Credit Card

  • 1% cash back on eligible purchases, terms apply
  • Email or text alerts to remind you when your payment is due
  • Flexible payment date to assist you in making your payments on time


Credit One Bank® Credit Card with 1% Cash Back on Gas & Groceries

  • This is a fully functional, unsecured credit card - not a debit, prepaid, or secured card. There are no out-of-pocket costs or need to tie up cash in deposits to open your account.
  • Focused on growing or rebuilding your credit? We report monthly to all three major credit bureaus. Take advantage of free online access to your credit score and credit report summary.
  • Find out if you're Pre-Qualified without harming your credit score. It's fast, easy, and secure.




Bad Credit / Re-build Credit


Credit One Bank® Platinum Visa® for Building Credit

  • See if you Pre-Qualify without harming your credit score
  • 1% cash back on gas & groceries, terms apply
  • This is a fully unsecured credit card with no deposit requirement


Indigo® MasterCard® for Less than Perfect Credit

  • Pre-qualify for a card today and it will not impact your credit score
  • All credit histories considered
  • Mobile account access at any time
  • Fraud protection for stolen or lost cards


Milestone® MasterCard® - Bad Credit Considered

  • Prequalify for a card today and it will not impact your credit score
    • Less than perfect credit is okay
    • Mobile account access at any time
    • Protection from fraud if your card is stolen
    • *Dependent on credit worthiness



Credit One Bank® Credit Card – Online Monthly Credit Score Tracking Included

  • See if you Pre-Qualify without harming your credit score.
    • This is a fully functional, unsecured credit card - not a debit, prepaid, or secured card. No need to load funds or tie up cash in deposits. There are no out-of-pocket costs to open your account.
    • All the bonus features you want in a credit card are included. Get 1% cash back on gas and grocery purchases (terms apply). Track your progress over time with free online monthly credit score tracking. And, you could receive credit line increase opportunities.



Secured Credit Cards – Guaranteed Approval


primor® Secured MasterCard Classic Card

  • Fast, easy application process
    • NO PROCESSING OR APPLICATION FEES!
    • LOW FIXED INTEREST RATES WITH NO PENALTY RATE!

First Progress Platinum Prestige MasterCard® Secured Credit Card

  • No Credit History or Minimum Credit Score Required for Approval
    • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
    • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
    • *See Card Terms.



OpenSky® Secured Visa® Credit Card

  • Build Your Credit fast with our monthly reporting to all 3 major credit bureaus.
    • Choose your credit line as low as $200 up to $3000, secured by a fully-refundable* security deposit.
    • Security deposit needs to be submitted before the credit card can be issued.



UNITY® Visa Secured Credit Card

  • No Minimum credit history required; low interest rate of 17.99%.
    • Apply online in less than 5 minutes, and you could be approved today!
    • Fully refundable FDIC security deposit* required at time of application; if you have a min of $250 to deposit immediately, you can start now!



 

Advertiser Disclosure: See the online credit card applications for details about terms and conditions of credit card offers. 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 credit card issuer's web site.

    Suggestions on How Students can Build Good Credit History

    • Sign up for a student credit card. Keep in mind that you cannot jumpstart your credit profile unless you're willing to apply for and manage a credit account. So, as early as today, we encourage you to get a student credit card and use it for building your credit history.

    • Ensure credit monitoring and reporting. Look for card issuers that submit monthly reports of your credit and payment activities to the three major bureaus - TransUnion, Experian and Equifax. That way, the time and effort you will invest in building your credit history will not be in vain.

    • Use your student credit card, as often as you can, by charging your usual expenses and purchases on it. Just remember not to go overboard with your credit card transactions. Otherwise, you might be incurring a huge debt that you might soon find hard to pay back.

    • Submit on-time payments of your monthly bills. After all, this is the best way to build and maintain a solid credit profile and thus improve your financial prospects.

    • Settle your bills in full. Keep in mind that carrying balance from one month to the next can cause your interest charges to balloon out and soon get way out of hand. Hence, to avoid such problem, you should resolve to submit, not just on-time, but also complete payments to your card issuer, on a monthly basis.

    • Look for a co-signer, especially for those who are below 21 years old. Approach a creditworthy individual such as your guardian or parent and ask them to co-sign your application for a student credit card. By doing so, you can improve your chances of receiving immediate approval on your application for a card account.

    • Consider taking out a student credit card with rewards. This is a program you can eventually qualify for if you can consistently submit on-time and complete payments of your bills for at most 12 months. This way, you can look forward to receiving special perks and incentives that will surely suit your lifestyle.
  • Bad Credit - Click Here for credit card offers for people with bad credit
  • Good Credit - Click Here for credit card offers for people with good credit
  • Pre-paid Debit Cards for guaranteed approval credit cards

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