Best Student Credit Cards
Student credit cards ranked by Net Annual Value.
A first card's job is to build credit history without costing anything. An annual fee is rarely worth it at student spending levels. Here, cards with zero fees and simple flat-rate cashback dominate.
Each card's value is determined by what it earns you minus what it costs.
Spending
An assumed average split of your total, from typical U.S. household spending. Switch to Itemized to enter your own.
$2,500/mo · $30,000/yr
Click any card to see its full breakdown.
| # | Card | NAV | Cashback | Credits | Interest | Fee | ||
|---|---|---|---|---|---|---|---|---|
| 2 |  | Bank of America Points | $450 | $450 | — | $0 | $0 | |
| 3 |  | Bank of America Cash | $450 | $450 | — | $0 | $0 | |
| 4 |  | Capital One Cash | $415 | $465 | — | $0 | $50 | |
| 5 | | Capital One Cash | $345 | $395 | $50 | $0 | $100 | |
| 6 |  | Bank of America Cash | $324 | $324 | — | $0 | $0 |