Geeky Insights:
Best Student Credit Cards - June 2023
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DollarGeek's team has spent countless hours researching and analyzing the best credit cards. Start comparing today’s best credit cards and offers, from travel and cash back, to business and balance transfers. We focus on the features that matter: rewards programs, affordable APR, welcome offers and more. Choose a category below and find your best credit card today.
(4.9)
Deserve® EDU Mastercard for Students
BEST FOR: International students + no foreign transaction fees
Deserve® EDU Mastercard for Students
(4.9)
- Purchase Intro APR:
N/A - Transfer Intro APR:
N/A | Transfer Fee: N/A - Regular APR:
18.74% - 18.74% (Variable Rate)
Reward Details:
- 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.
- 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!
Geeky Insight:
- 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.
- 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®.
(4.7)
Bank of America® Cash Rewards Credit Card for Students
BEST FOR: Cash bonus + cash rewards
Bank of America® Cash Rewards Credit Card for Students
(4.7)
- Purchase Intro APR:
0% for 15 months - Transfer Intro APR:
0% for 15 months | Transfer Fee: 3% (min $10) - Regular APR:
13.99% - 23.99% (Variable Rate)
Reward Details:
- Online offer: $200 cash rewards bonus after making at least $1,000 in purchase(s) within the first 90 days of account opening.
- Earn 1% back on purchases, 2% back at grocery stores and wholesale clubs and 3% back in the category of your choice (gas, online shopping, dining, travel, drug stores, or home improvement / furnishings) for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases.
- When your cash rewards balance is $25 or more, you can redeem your cash rewards for a statement credit, a check, or an electronic deposit into a Bank of America® checking or savings account.
- Rewards are automatic and do not expire. Go to Online Banking or the Mobile Banking app to change your choice category for future purchases, or it stays the same.
Geeky Insight:
- 0% Introductory APR for 15 months on balance transfers made within 60 days of account opening.
- Security Benefits: $0 Liability Guarantee, Fraud Monitoring, Overdraft Protection and Paperless Statement Option.
- Add your card to your mobile device and enjoy the convenience to shop and pay in-store or in-app using Apple Pay®, Google Pay™ or Samsung Pay.
- Mobile banking, text or email alerts to keep you on top of your finances, quick access to your account information with text banking.
Best student Credit Cards Recap
Overall Rating
Best For
Rewards Bonus
Rewards Rate
Annual Fee
International students + no foreign transaction fees
None
1% Cash Back
$0
Cash bonus + cash rewards
$200
1 - 3% Cash Back
$0
Best Student Credit Cards of June 2023
Gain some clarity on the best student credit cards with our geeky insight.
Rewards Rate
1% Cash Back
Rewards Bonus
None
Annual Fee
$0
Rewards Details:
- 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.
- 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!
Geek Point Of View:
The Deserve® EDU Mastercard for Students is one of the best overall credit cards for students. This card comes with $0 annual fee, no foreign transaction fees and no SSN requirement. When applying, the Deserve EDU Mastercard for students accepts the combination of a passport, proof of a U.S. bank account and other documentation instead of a Social Security number. This card will reward you with 1% cash back on all purchases.
This card also offers other benefits to cardholders such as eligibility to receive up to $59 worth of Amazon Prime Student (courtesy of Deserve). Also, if you use this card to pay for your cell phone bill you will get up to $600 in protection against damage and theft. You get all of these perks while having no need for any prior credit history for approval – although that is common for student credit cards.
Check out some of the Deserve EDU Mastercard highlights below:
- No annual fee: This is a great perk for anyone, especially students. Having no annual fee attached to this card can help you get the most from it.
- Bonus incentives: This card will gives you $59 Amazon Prime Student membership just for being a cardholder.
- No Foreign Transaction Fee: Enjoy no foreign transaction fees for this card. So, if you’re traveling around the globe this could be a valuable incentive saving you money.
- No minimum credit needed: This card is available to students with no credit history. You will have to be at least 18 years old and enough income to afford your monthly payments.
- No Social Security number needed: Applicants can use their passport and some other basic documentation instead to apply. In particular, you’ll need proof of a U.S. bank account and copies of your Student Visa and I-20 form, along with your passport.
Bottom line: The Deserve EDU card is one of the best student credits – especially for those who are international. There are many perks that come with no annual fee.
APPLY ON THE LINK BELOW:
Rewards Rate
1 - 3% Cash Back
Rewards Bonus
$200
Annual Fee
$0
Rewards Details:
- Online offer: $200 cash rewards bonus after making at least $1,000 in purchase(s) within the first 90 days of account opening.
- Earn 1% back on purchases, 2% back at grocery stores and wholesale clubs and 3% back in the category of your choice (gas, online shopping, dining, travel, drug stores, or home improvement / furnishings) for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases.
- When your cash rewards balance is $25 or more, you can redeem your cash rewards for a statement credit, a check, or an electronic deposit into a Bank of America® checking or savings account.
- Rewards are automatic and do not expire. Go to Online Banking or the Mobile Banking app to change your choice category for future purchases, or it stays the same.
Geek Point Of View:
Check out some things to make note of on this card below.
- No annual fee: Enjoy this card with no annual fee attached.
- Intro bonus: Get a $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Cash back: Earn 3% cash back in the category of your choice (gas, online shopping, dining, travel, drugstores, home improvement and furnishing), 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
- 0% Intro APR: Get 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends you’ll have a rate anywhere between 15.49% – 25.49% (V). A 3% fee (min $10) applies to all balance transfers
Bottom line: The Bank of America® Cash Rewards Credit Card for Students is a solid choice if you’re looking for an intro bonus and selective categories to earn cash back.
