Best Credit Cards for Students with No Credit History
Looking for the best credit cards for students with no credit history in 2025? You’re in the right place. Whether you’re a college freshman or just starting your financial journey, the right student credit card can help you build credit, learn financial responsibility, and even earn rewards.
Why Students with No Credit History Need the Right Credit Card
If you’re a student with no credit history, getting approved for a standard credit card can be tough. But thankfully, many banks offer special credit cards for students with no credit. These cards are designed to help you start building your credit score safely while learning how to manage credit responsibly.
Top 7 Best Credit Cards for Students with No Credit History (2025)
1. Discover it® Student Cash Back
This is one of the best student credit cards for beginners. With 5% cashback on rotating categories and no annual fee, it’s a smart way to start building credit with no history.
2. Capital One SavorOne Student Cash Rewards Credit Card
Perfect for students who love dining and entertainment, this credit card for students with no credit history offers unlimited 3% cashback and flexible approval.
3. Chase Freedom® Student Credit Card
A simple, flat 1% cashback card built for students. Great for those with no credit history trying to build responsibly while earning rewards.
4. Capital One Quicksilver Student Cash Rewards Credit Card
Offering 1.5% unlimited cashback, this card is designed for students with no credit who want straightforward rewards and a simple experience.
5. Bank of America® Travel Rewards Credit Card for Students
Want to travel while studying? This is a great student credit card with no credit history required, and it earns points on every purchase with no annual fee.
6. Deserve® EDU Mastercard for Students
This card doesn’t require a Social Security Number for international students and is one of the easiest credit cards for students with no credit to get approved for.
7. Petal® 1 "No Annual Fee" Visa Credit Card
A beginner-friendly card that uses alternative underwriting to approve students with no credit history. No annual fees and great for financial education.
How to Choose the Best Credit Card If You Have No Credit History
- Look for cards with no annual fee
- Choose a card that reports to all three credit bureaus
- Consider student-specific credit cards designed for beginners
- Check for cashback rewards and other perks
- Ensure there’s no security deposit unless it’s a secured card
Final Thoughts
Finding the best credit card for students with no credit history in 2025 is all about knowing what you need: simple terms, zero annual fees, and opportunities to build credit. These 7 cards offer everything a student needs to get started on the right foot financially. Always read the terms and use your card responsibly to build a strong credit foundation early.
Start your financial journey today with one of these student credit cards with no credit history and pave the way toward better financial opportunities in the future!