Compare Credit Cards

Select up to 3 credit cards from the dropdowns above or the checkboxes below and click compare to see a side by side comparison of all card details.

Applying for and opening a new credit card may temporarily lower your credit score with a "hard" credit inquiry and by impacting your average age of open accounts. Carrying a balance, even temporarily with a 0% APR offer, may temporarily lower your credit score by impacting your credit utilization ratio.

Student Credit Cards

You must be 18 years old in the U.S. to sign up for your own credit card. The Credit CARD Act of 2009 requires persons under 21 years old to either have a cosigner or provide proof of income or regular allowances in order to be approved for a first credit card. Secured credit cards and student credit cards offer better chances of approval for people with no credit history. All of the credit cards listed below are student versions of popular credit cards and may have lower rewards or lower signup bonuses.

Note: All of the following cards have no annual fee.

Credit Card	Base Cashback Rate	Foreign Transaction Fee	Introductory APR on Purchases	For	Signup Bonus	If you Spend	In the first
CapitalOne Quicksilver Student	1.50%	0.00%			$50	$100	90 days	Apply
Bank of America Unlimited Cash Rewards for Students	1.50%	3.00%	0.00%	455 days	$200	$1,000	90 days	Apply
Carver Bank College Real Rewards	1.50%	3.00%	0.00%	180 days	$25	$1		Apply
CapitalOne Savor Student	1.00%	0.00%			$50	$100	90 days	Apply
Discover it Student	1.00%	0.00%	0.00%	180 days				Apply
Bank of America Customized Cash Rewards for Students	1.00%	3.00%	0.00%	455 days	$200	$1,000	90 days	Apply

Another option is to be added as an authorized user on someone else's credit card such as a parent. Below is a list of the minimum age for authorized users required by some of the most popular banks along with details regarding how they report authorized user activity to the major credit bureaus.

Credit card issuer	Minimum age for authorized users	Is authorized user activity reported to credit bureaus?
American Express	13 years old	Yes, if authorized user is at least 18 years old and account isn’t delinquent
Bank of America	No minimum age requirement	Yes
Barclays	13 years old	Yes, if authorized user is at least 16 years old
Capital One	No minimum age requirement	Yes
Chase	No minimum age requirement	Yes, if authorized user is at least 18 years old
Citi	No minimum age requirement	Yes
Discover	15 years old	Yes
SoFi	15 years old	Yes
U.S. Bank	16 years old	Yes, if account isn’t delinquent
Wells Fargo	18 years old	Yes

BankMindful.com is an independent publisher and comparison service. The content on Bank Mindful is for informational and educational purposes only and should not be construed as professional financial advice. Should you need such advice, consult a licensed financial or tax advisor. We do our best to keep information updated, however, numbers stated on this site may differ from actual numbers. We may have financial relationships with some of the companies mentioned on this website. BankMindful may not include all companies or all available products.

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