Top Three BEST Student Credit Cards For Building College Credit in 2020

Discover the top three, BEST credit cards for college students building credit in 2020. Learn how to build college credit AND earn cashback as a student.

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Discover It Student Credit Cards

This is the card that I got when I started college. I have been able to set and forget the credit card while it increases my credit score, basically on autopilot.

Discover offers two credit cards for college students. And Discover REALLY focuses on tailoring these to college students, making them the best credit cards for college students. The Discover It Student Cash Back Card is the best no annual fee cash back card for students. With this credit card, you can earn up to 5% cash back on your purchases.

The Discover It Student Chrome is the best no annual fee credit card for college students if you are looking to raise your credit score fast.

Why wouldn’t you just choose Discover it student cash back card as an obvious choice? The 5% cash back ONLY applies to specific categories. This means that your cash back rewards are probably going to suck. A better approach may be to get the Discover It Chrome credit card and just get a 2% cash back on every purchase.

Discover It Credit Card Requirements

These two credit cards are some of the best credit cards for starters. The credit score to get a credit card from Discover is low. For the Discover student cards, the minimum credit score for a credit card is 630 points. This is a great card if you’re building credit as a college student.
Discover It Credit Card Benefits

No Annual Fees on Their Credit Cards
Good Grade Rewards
Unlimited Cash Back Match
Paying Late Won’t Raise Your Interest Rates
Free FICO Credit Score

Amazon Prime Credit Card

Amazon Credit Card Requirements

Let’s talk about the Amazon Credit Card approval. The minimum requirement here is a 640 credit score. So, make sure that your credit score is at least 640 before you do a hard inquiry on your credit during the Amazon credit card application.

If you have to have an Amazon Prime account to get 5% cash back. If you have this card and you do NOT have an Amazon Prime account, then you will only get a 3% cash back on your purchases from Amazon.
Amazon Credit Card Benefits

No Annual Fees
Instant $70 Cash Back
Grace Period of 23 Days
Max Late Fee of $39
Car Rental Insurance
No Foreign Transaction Fees

Deserve EDU Credit Cards

Deserve EDU credit cards make the list for best credit cards for college students because they really tailor their product to college kids. This card is really marketed to students with little or no credit and international students who do not have a social security number.

So, this card is great if you literally don’t have any credit. But it’s not ONLY for people without any credit. Literally, ALL of their benefits are aimed at college kids.

Deserve EDU Credit Card Requirements

Since this card REALLY targets college students who don’t have any credit history, there is not really a recommended credit limit to that you HAVE to have to get this card. You don’t even have to have a Social Security Number.

This is really useful for international students who do not have social security numbers. Or if you’re just starting out and building college credit.

Deserve EDU Credit Card Benefits

Cash Back
Free Amazon Prime
Call Phone Protection Plan
No Social Security Number

If you’re an international student and you want, or need, to build your credit, then this card is perfect for you. It’s also perfect if you hardly have any credit history. This is probably the best card for building credit students can use.

While Deserve EDU is not as benefit-rich as Discover Student Credit Cards, it’s still a great option if you don’t meet the credit requirements for the Discover cards. If you’re wondering how to build credit as a college student, I recommend getting this card and getting the $300 limit on it.

Use the credit card for gas ONLY. Then MAKE sure you pay off the credit card every month. Use this to build up your credit. Within a year, you’ll have a good credit score and you’ll be able to apply for a card with better rewards if you want to.

Since there’s no annual fees, keeping the credit card account open costs you zero dollars. Keep that account open forever. The longer you have it, the larger your credit foundation will be. And this is how you can start increasing your credit score.

[davidliang]

Wow these starter cards are fantastic! I wish I had some of these choices when I first started.

[marieflorence]

I used the Discover It Student Credit Card in college and my credit score is now over 800. Literally, all I did was pay off my balance each month all through college and I had over 700 when I graduated. Good credit card review!

[johnjenkins]

Lol I needed this in college. I had to pay 12% on a car loan last year because I didn't have any credit after graduating college.

[haroldscott]

Where's Tater at!? I want to see more of him.

[lolaparker]

I use the Amazon card. You gotta watch out for that 28% interest rate if you accidentally carry a balance.

[aryarobins]

I need my credit to get bumped up so I can buy a new car after graduation lol

[Mars-ktkz]

Hi so i am currently a college student and am working. I don’t travel my job is near so I walk there. I sometimes buy things necessary for college or for myself. Which card do you think I should get? Should I get the student it discover card?

[jamiecoler]

"Who the hell uses Mint Mobile?" lol definitely not a major selling point.