Money

top student cards of August 2025

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American Health & Wealth Rankings

Choosing a credit card can be complicated. At American Health & Wealth, our goal is to make the process easy for you. We've highlighted the top credit cards in each category. You’ll also find information about annual percentage rates, fees, rewards programs and other important factors to consider before applying for a credit card.

American Health & Wealth' top student cards of August 2025

Discover it® Student Cash Back

4.8

American Health & Wealth' Rating in Discover it® Student Cash Back

Credit cards are rated using a calculated overall score based on a selection of up to 12 scoring factors. After scoring each card by category, the highest scoring cards in each category were identified. Ratings are prepared by American Health & Wealth staff. Ratings have not been reviewed or approved by advertisers

Credit Needed
Fair Credit
Intro Bonus
INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 cash back into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
Annual Fee
$0
Regular APR
17.49%-26.49% Variable APR *Rates as of December 12, 2024.

Product Details

Highlights
  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 cash back into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
  • Redeem your rewards for cash at any time.
  • No credit score required to apply.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • No annual fee and build your credit with responsible use.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 17.49% - 26.49% applies. Rates as of December 12, 2024.
  • Terms and conditions apply.
  • View Rates and Fees
Product Details

  • Issuer Name

    Discover

  • Credit Needed

    Fair Credit

  • Annual Fee

    $0

  • Regular APR

    17.49%-26.49% Variable APR *Rates as of December 12, 2024.

  • Balance Transfer Fee

    $3

  • Cash Advance Fee

    $5

Our Take

Pros

  • No annual fee
  • Qualify with limited/bad credit
  • Bonus categories
  • Intro APR period
  • Reports to the three major credit bureaus

Cons

  • Complicated rewards

Discover it® Student Chrome

4.8

American Health & Wealth' Rating in Discover it® Student Chrome

Credit cards are rated using a calculated overall score based on a selection of up to 12 scoring factors. After scoring each card by category, the highest scoring cards in each category were identified. Ratings are prepared by American Health & Wealth staff. Ratings have not been reviewed or approved by advertisers

Credit Needed
Fair Credit
Intro Bonus
INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 cash back into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
Annual Fee
$0
Regular APR
17.49%-26.49% Variable APR *Rates as of December 12, 2024.

Product Details

Highlights
  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 cash back into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 2% cash back 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.
  • Redeem your rewards for cash at any time.
  • No credit score required to apply.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • No annual fee and build your credit with responsible use.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 17.49% - 26.49% applies. Rates as of December 12, 2024.
  • Terms and conditions apply.
  • View Rates and Fees
Product Details

  • Issuer Name

    Discover

  • Credit Needed

    Fair Credit

  • Annual Fee

    $0

  • Regular APR

    17.49%-26.49% Variable APR *Rates as of December 12, 2024.

  • Balance Transfer Fee

    $3

  • Cash Advance Fee

    $5

Our Take

Pros

  • No annual fee
  • Intro APR period
  • Qualify with average credit
  • Bonus categories

Cons

  • Complicated rewards

Capital One Quicksilver Student Cash Rewards Credit Card

4.8

American Health & Wealth' Rating in Capital One Quicksilver Student Cash Rewards Credit Card

Credit cards are rated using a calculated overall score based on a selection of up to 12 scoring factors. After scoring each card by category, the highest scoring cards in each category were identified. Ratings are prepared by American Health & Wealth staff. Ratings have not been reviewed or approved by advertisers

Credit Needed
Fair Credit
Intro Bonus
Earn $50 when you spend $100 in the first three months.
Annual Fee
$0
Regular APR
19.24%-29.24% Variable APR

Product Details

Highlights
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Early Spend Bonus: Earn $50 when you spend $100 in the first three months
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Enjoy no annual fee, foreign transaction fees, or hidden fees
  • Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
  • Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
  • Build your credit with responsible card use
  • Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you
Product Details

  • Issuer Name

    Capital One

  • Credit Needed

    Fair Credit

  • Annual Fee

    $0

  • Regular APR

    19.24%-29.24% Variable APR

  • Cash Advance Fee

    $5

Our Take

Pros

  • No annual fee
  • Qualify with limited credit
  • Earns rewards
  • Reports to the three major credit bureaus

Cons

  • No bonus categories
  • High APR

Capital One Savor Student Cash Rewards Credit Card

4.8

American Health & Wealth' Rating in Capital One Savor Student Cash Rewards Credit Card

Credit cards are rated using a calculated overall score based on a selection of up to 12 scoring factors. After scoring each card by category, the highest scoring cards in each category were identified. Ratings are prepared by American Health & Wealth staff. Ratings have not been reviewed or approved by advertisers

Credit Needed
Fair Credit
Intro Bonus
Earn $50 when you spend $100 in the first three months.
Annual Fee
$0
Regular APR
19.24%-29.24% Variable APR

Product Details

Highlights
  • Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
  • Early Spend Bonus: Earn $50 when you spend $100 in the first three months
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Enjoy no annual fee, foreign transaction fees, or hidden fees
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
  • Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
  • Build your credit with responsible card use
  • Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you
Product Details

  • Issuer Name

    Capital One

  • Credit Needed

    Fair Credit

  • Annual Fee

    $0

  • Regular APR

    19.24%-29.24% Variable APR

  • Cash Advance Fee

    $5

Our Take

Pros

  • No annual fee
  • Bonus categories
  • No rewards caps
  • Reports to the three major credit bureaus

Cons

  • High APR

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