General / Others

Top Credit Cards for Students with No Income History

A curated selection of credit cards specifically designed for students who may lack established credit history or steady income. These options offer lower credit limits, educational resources, and rewards tailored to campus life, helping students build financial credibility responsibly.

ID: 35699
Items: 20
Total Votes: 0
Forks: 0
Disclosure: Some links are affiliate links. If you buy through them, we may earn a commission at no extra cost to you, supporting our work without affecting our ratings.
Want to feature your product on this list?
Sponsorship

Get targeted exposure with custom position pinning and highlighted placement.

Contact Us
1
0

Discover it Student Cash Back

Visit

Widely regarded as one of the best first credit cards for students, offering 5% cash back in rotating quarterly categories and 1% on all other purchases. It includes a credit score tracking tool and zero annual fee, making it ideal for beginners.

2
0

Capital One Quicksilver Student Cash Rewards

Visit

An excellent choice for students with no credit history, featuring a $0 annual fee and unlimited 1.5% cash back on all purchases. It automatically reviews your account for a higher credit limit after just eight months of on-time payments.

3
0

Deserve Edu Credit Card

Visit

Designed specifically for international students and those with no US credit history, this card requires no Social Security Number for approval. It offers unlimited 1% cash back and helps build credit history with no annual fee.

4
0

BankAmericard Credit Builder Secured

Visit

A secured credit card that allows students to build credit without a traditional credit check or high deposit. Payments are reported to all three major credit bureaus, and there is a path to graduate to an unsecured card.

5
0

OpenSky Secured Visa Credit Card

Visit

Known for its accessibility, this card does not require a credit check or proof of income, making it suitable for those with no income history. It requires a refundable security deposit that serves as your credit limit.

6
0

Chime Secured Credit Builder

Visit

A no-annual-fee secured card that helps build credit with monthly reporting to all three bureaus. It features a unique Pay Your Way program that can reduce your APR over time, offering a flexible path to financial health.

7
0

Wells Fargo Propel Student American Express Card

Visit

Offers 3x points on travel, dining, and entertainment, with 1x on other purchases. It has no annual fee and provides access to exclusive entertainment presales, appealing to students with active social lifestyles.

8
0

Sallie Mae Bank Credit Builder Card

Visit

Created specifically for students and recent graduates, this secured card helps establish credit with a security deposit. It features no annual fee and reports to all three major credit bureaus to help build a positive history.

9
0

Citi Student Cash Rewards Credit Card

Visit

Provides 1% cash back on purchases and 5% back on eligible gas, transit, dining, and streaming services when you enroll in categories. It has no annual fee and helps build credit with responsible usage.

10
0

Junior Visa Credit Card by Chase

Visit

Designed for young adults, this card offers a simple rewards structure and no annual fee. It includes parental controls for spending limits, helping students learn financial responsibility while building their initial credit profile.

11
0

Bank of America Unlimited Cash Rewards Secured

Visit

Allows students to earn unlimited 1.5% cash back with a security deposit as collateral. It features competitive APR options and reports to all three major credit bureaus, providing a straightforward way to build credit.

12
0

Capital One Platinum Secured

Visit

A popular secured card that helps build credit with a low security deposit starting at $49. It has no annual fee and does not require a minimum security deposit to set your credit line, making it highly accessible.

13
0

Fifth Third Student Rewards Credit Card

Visit

Offers 2% cash back at grocery stores and gas stations, and 1% on everything else. It has no annual fee and is designed to help students manage finances with practical rewards relevant to daily student expenses.

14
0

First Premier Platinum Card

Visit

Targeted at individuals with limited credit or no income history, this card provides a way to establish credit. It has a high APR but low fees, serving as a foundational tool for those rebuilding or starting their credit journey.

15
0

GoBank Smart Visa Credit Card

Visit

A secured credit card that requires no credit check for approval, ideal for students with no history. It reports to all three bureaus and offers a straightforward path to establishing a positive credit footprint.

16
0

Chase Freedom Rise Student

Visit

Part of the Freedom family, this card offers 5% cash back on rotating categories and 1% elsewhere. It features no annual fee and provides access to Chase's ecosystem of travel and dining perks for students.

17
0

HSBC Gold Mastercard

Visit

Offers a simple rewards structure with no annual fee and is accessible to students with no income history. It helps build credit through regular reporting and includes fraud protection for secure online and in-store purchases.

18
0

PNC Cash Rewards Visa

Visit

Provides 2% cash back on restaurants and utilities, and 1% on other purchases. It has no annual fee and is designed to help students manage everyday spending while building a positive credit history.

19
0

U.S. Bank Cash+ Visa Signature Card

Visit

Allows students to choose two 5% categories for each quarter, such as groceries or gas. It has no annual fee and offers a flexible rewards structure that adapts to changing student spending habits.

20
0

Barclays Arrival Plus World Elite Mastercard

Visit

Offers unlimited 2x miles on all purchases when activated with specific banking relationships, though standard terms apply. It has no annual fee for students and provides flexible redemption options for travel or cash back.