Student Cards

Student credit cards can be a great way to teach responsible use of credit to those that are new to credit.

Deserve Edu

Credit Recommended:
Good/Limited
Get Started on Celtic Bank secure website.
Credit Recommended:
Good/Limited
Annual Fee
$0
Credit Recommended
Good/Limited
Regular APR
18.74% Variable
Get Started on Celtic Bank secure website.
Foreign Trans Fee
$0
Late Payment Fee
Up to $25, First Late Fee Waived
Return Check Fee
Up to $37

Highlights

  • Receive one year of Amazon Prime Student on Deserve after spending $500 in the first three billing cycles with your EDU card (Lifetime Value of $59).
  • Earn 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning cash back on all purchases.
  • Feel secure with cell phone protection up to $600.
  • No deposit required. No annual fees.
  • No international transaction fees on purchases abroad so you can travel with confidence.
  • No Social Security Number required for international students to apply.
  • Refer A Friend Program: Refer anyone to Deserve using your personal referral code. Upon approval, card activation and use, you'll receive $30 and so will your referral. Referral bonuses are unlimited!
  • Manage and track your spending, set automatic payments and securely freeze your card all through one easy to use app.
  • See if you prequalify with no impact to your credit score in minutes.
  • Deserve Mastercards are issued by Celtic Bank, Member FDIC.
  • Enjoy Mastercard Platinum Benefits intended to make your life easier like Mastercard ID Theft Prevention™ and Master Rental®.
See additional details for Deserve Edu
Rates & Fees

Petal 2 "Cash Back, No Fees" Visa® Credit Card

Credit Recommended:
Excellent/Good/Limited/No Credit
Apply Now on WebBank secure website.
Credit Recommended:
Excellent/Good/Limited/No Credit
Annual Fee
$0
Credit Limit
$500 - $10,000
Regular APR
12.99% to 26.99% Variable
Apply Now on WebBank secure website.
Balance Transfer Fee
N/A
Product Type
Consumer
Credit Recommended
Excellent/Good/Limited/No Credit

Highlights

  • No fees whatsoever. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee.
  • Up to 1.5% cash back after making 12 on-time monthly payments.
  • 1% cash back on eligible purchases right away.
  • Up to 10% cash back from select merchants.
  • $500-$10,000 credit limits.
  • Variable APRs 12.99%-26.99%.
  • Build credit alongside tens of thousands of Petal Card members.
  • Cash flow technology may help applicants without credit history get approved.
  • Petal's mobile app makes it easy to manage your money, track your spending, and automate payments.
  • See if you're pre-approved within minutes without impacting your credit score.
  • Petal reports to all 3 major credit bureaus.
  • No deposits required.
  • Card issued by WebBank, Member FDIC

PCB Secured Visa® Credit Card

Credit Recommended:
Good/Limited/No Credit
Apply Now on Plains Commerce Bank secure website.
Credit Recommended:
Good/Limited/No Credit
Card Brand
Visa®
Product Type
Secured
Credit Recommended
Good/Limited/No Credit
Apply Now on Plains Commerce Bank secure website.
Regular APR
See Issuer Website
Annual Fee
See Issuer Website
Credit Line
See Issuer Website

Highlights

  • Upon credit approval, choose your initial collateral deposit between $200 and $1000; your credit limit will equal the collateral deposit amount.
  • After the first year, you can request to increase the credit limit up to a maximum of $5,000 (subject to credit approval and additional collateral deposits).
  • This card is perfect for people new to credit as well as people looking to rebuild their credit.
  • Reports monthly to all three major credit bureaus.
  • Build or rebuild your credit with responsible use.
  • 24/7 online account center.
  • A minimum collateral deposit of $200 is required to open this account.
See additional details for PCB Secured Visa® Credit Card
Rates & Fees

Petal 1 "No Annual Fee" Visa® Credit Card

Credit Recommended:
Fair/Bad/Limited/No Credit
Apply Now on WebBank secure website.
Credit Recommended:
Fair/Bad/Limited/No Credit
Regular APR
19.99 - 29.49% Variable
Credit Recommended
Fair/Bad/Limited/No Credit
Credit Limit
$500 - $5,000
Apply Now on WebBank secure website.
Late Payment Fee
Late fees up to $29 for first late payment, $40 for second late payment.
Return Check Fee
Bounced payment fee up to $29.
Intro Rate
N/A

Highlights

  • $0 Annual Fee.
  • Up to 10% cash back from select merchants.
  • $500 - $5,000 credit limits.
  • Variable APRs 19.99-29.49%.
  • No annual or international transaction fees. Late and returned payment fees may apply.
  • Build credit alongside tens of thousands of Petal Card members.
  • Cash flow technology may help applicants without credit history get approved.
  • Petal's mobile app makes it easy to manage your money, track your spending, and automate payments.
  • See if you're pre-approved within minutes without impacting your credit score.
  • Petal reports to all 3 major credit bureaus.
  • No deposits required.
  • Card issued by WebBank, Member FDIC
Advertiser Disclosure

More about Student Credit Cards…

Student credit card offers and marketing have changed drastically over the past couple of years after legislation took effect that regulated some of the previous practices. Some of the changes required that applicants be evaluated on their own ability to pay their bill and also restricted banks from giving away freebies to student who fill out credit card applications on or near college campuses.

Credit cards for college students can provide a wonderful learning experience. They can also be a total disaster, leaving students with bad credit records that could haunt them years after graduation and strap them with debt. A little preparation can make all the difference.

Even before arriving at their dorms for freshman year, college students were inundated with offers for credit cards. Most of these offers are quite legitimate, since it is in the credit companies' interest to get people committed to their services while young, in hopes that they will stay with them. Disaster can happen when students accept a card or multiple cards, use them without restraint, and then discover the nightmare of compound interest.

Learning to manage credit can be the difference between a positive experience or one with long-lasting negative effects. Having one card and using it wisely has its benefits. It provides security in case of an emergency situation and can be the first step to financial maturity. Using a credit card wisely can also help establish a good credit history, which is important for years to come. To achieve the positive experience, students should review card offers and select a card with good terms, use it carefully, and pay off purchases promptly.

CreditSoup.com can't keep your student from buying pizza for the whole dorm, but we can help them locate some great credit card options. After that, it's up to you to stay in communication with your student and help them manage their credit wisely.

*See online credit card application for details on the terms and conditions.


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Advertiser Disclosure

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Editor’s Rating

Our editors review each credit card and provide our ratings based on the features the credit card offers consumers including the fees, interest rates, benefits, rewards, and how it compares to other credit cards in its category. Card ratings may vary by category as the same card may receive a different rating based on that category.

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