Unlike many standard credit cards, student credit cards are available to college students who do not have a regular, minimum income and credit history. They often come with money saving offers including low rates for an introductory period, shopping discounts and free CDs. Flexing student credit cards has the additional benefit of creating a credit history that can be used for future loans and mortgage applications.

Advantages of Student Credit Cards

Discover® Student Card

Sign up for a Discover Student Card today and enjoy a 0% Interest * on Purchases for 6 months. Pay no annual fee and have peace of mind with our $0 Fraud Liability guarantee. Plus, enjoy Easy Online Account Management Options.

Intro APR	Intro Period	Regular APR	Annual Fee	Bal Transfer	Credit Needed
0%	6 months	14.99%	$0	Yes	Fair Credit

Discover® Student Card - Clear

Intro APR	Intro Period	Regular APR	Annual Fee	Bal Transfer	Credit Needed
0%	6 months	14.99%	$0	Yes	Fair Credit

Orchard Bank Classic MasterCards

If you're looking for a card with built in benefits you can use on a daily basis and that provides you with the opportunity to build or rebuild credit, you may be interested in the Orchard Bank Classic Cards. As a cardmember, you'll also enjoy acceptance at millions of locations worldwide, including website purchases and reservations; account information updated and at your fingertips 24/7; email and text messages to remind you of your upcoming payment due date with online enrollment

Intro APR	Intro Period	Regular APR	Annual Fee	Bal Transfer	Credit Needed
0%	6 months	7.9% - 19.9%	$35 - $79	Yes	Poor Credit OK

Discover® Student Card - Monogram Collection

or students looking for an excellent credit card with cash back rewards the Discover Student Card - Monogram Collection is the right place to start. This card offers up to 5% cash back on purchases in categories such as gas stations, restaurants and clothing stores. Enjoy a 0% introductory APR on purchases for 6 months and then an average APR for a student card with no annual fee. Although this card is specifically designed for full-time students of four-year colleges and universities, Discover often makes exceptions for community colleges and trade schools.

Intro APR	Intro Period	Regular APR	Annual Fee	Bal Transfer	Credit Needed
0%	6 months	14.99%	$0	Yes	Fair Credit

AccountNow® Prepaid Visa® Card

Since it is one of the few prepaid credit cards that can report to a credit bureau, this card is one option for those whose goal it is to build credit. Keep in mind, though, that this is not a credit card. Like all prepaid credit cards, this card must first be loaded with cash - through direct deposit, Western Union, Money Gram, Green Dot, or Visa Ready Link. This prepaid credit card carries the same protections offered to other Visa customers and can be used at ATMs without the risk of overdraft fees (though one complimentary ATM withdrawal is offered per month, a $2 ATM fee does apply; balance inquiries are $1).

Setup Fee	Monthly Fee	Annual Fee	Credit Limit	Regular APR	Credit Needed
$0	$0 - $4.95	$0	N/A	0%	Any Credit OK

NetSpend® Visa® Prepaid Debit Card

The NetSpend Visa Prepaid Debit Card is a convenient, safe and secure way to bank, transact and pay bills. Simply load your card via direct deposit, Western Union, Money Gram or other retail locations. Transact anywhere Visa is accepted and have access to your cash at millions of ATMs. Enroll in Direct Deposit and you will be upgraded to Premier status - receive NetSpend's best level of service at preferential pricing. With its iAdvance Line of Credit, you can borrow money. Making timely payments will help build your credit. The funds on your card are eligible to earn 5% APY interest and are FDIC insured up to $250,000. You can have up to three prepaid debit cards on your account to share with friends or family members. Fund transfers between these cards are free. NetSpend also has a referral program that rewards you with a $5 credit for every activated card you refer.

Setup Fee	Monthly Fee	Annual Fee	Credit Limit	Regular APR	Credit Needed
$9.95	$0 or $9.95	$0	N/A	0%	Any Credit OK

Baby Phat Prepaid Visa® RushCard

Do you enjoy the convenience of carrying plastic without the hassle of high annual percentage rates and fees? The new Baby Phat Prepaid Rush card offers its cardholders the opportunity to choose their credit limit and benefit from a number of discounts and deals without worrying about payment due dates and penalties.

Setup Fee	Monthly Fee	Annual Fee	Credit Limit	Regular APR	Credit Needed
$19.95	$0	$0	N/A	0%	Any Credit OK

Wired Plastic Prepaid Visa® Card

Setup Fee	Monthly Fee	Annual Fee	Credit Limit	Regular APR	Credit Needed
$9.95	$3.95	$0	N/A	0%	Any Credit OK