Low Interest Student Credit Cards

Student credit cards with low ongoing interest rates. Ranked by lowest rate offered; some cards offer multiple rate tiers and you are NOT guaranteed to get the lowest rate offered. Introductory offers, balance transfer rates and annual fees factored in where rates are equivalent. (NOTE: Credit card rates change fairly regularly -- check the terms and conditions of each card to be sure the interest rates shown here are accurate.)

TOP PICKS
Citi Forward for College Students
Citi Forward for College Students


  • 0% APR for up to 6 months
  • Earn 5 Reward points/dollar on purchases
  • Interest Rate: 17.24% variable rate

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mtvU Platinum Select Visa Card
mtvU Platinum Select Visa Card


  • 0% APR* for 6 months if you qualify*
  • Earn 5 Thank You points/dollar on purchases
  • Interest Rate: As low as 17.24% variable rate

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Discover® Student Card
Discover® Student Card**


  • 0% APR for 6 months
  • Earn 5% Cashback Bonus® on some purchases
  • Interest Rate: 14.99% variable rate*

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  • Citi Forward Card for College Students - Ongoing Interest Rate: 17.24% variable rate, but you can reduce the interest rate by .25 points every 3 months when you use the card, pay on time, and stay under the credit limit. Total reduction can be a maximum 2%, leading to an interest rate as low as 15.24% over time. Introductory APR: 0% for first 6 billing cycles. Balance Transfer Rate: 0% for first 6 billing cycles, then same as standard rate. Annual Fee: None. Also: Earn 5 reward points for every $1 you spend on books, movies, music and at restaurants; earn 1 reward point for every $1 you spend on other purchases. (click for all terms & conditions.)

  • mtvU Platinum Select Visa Card for College Students - Ongoing Interest Rate: As low as 17.24% variable rate*. Introductory APR: 0% for 6 months if you qualify*. Balance Transfer Rate: 0% for 6 months if you qualify*. Annual Fee: None. Also: Rewards program offers points toward CDs, gift cards, even tickets to the MTV Video Music Awards. (click for all terms & conditions.) Also: Rewards program offers points toward CDs, gift cards, even tickets to the MTV Video Music Awards. (click for all terms & conditions.)

  • Discover Student Card** - Ongoing Interest Rate: 14.99% variable rate*. Introductory APR: 0% for 6 months. Balance Transfer Rate: No balance transfers. Annual Fee: None. Also: Earn 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, movies and many more, and up to 1% Cashback Bonus on all other purchases automatically. (click for all terms & conditions.)

  • Discover® Student Open Road Card** - Ongoing Interest Rate: 14.99% variable rate*. Introductory APR: 0% for 6 months. Balance Transfer Rate: No balance transfers. Annual Fee: None. Also: Earn 5% Cashback Bonus® on your first $100 in gas and auto maintenance purchases each month, and up to 1% CashBack Bonus on all other purchases. (click for all terms & conditions.)

  • Sovereign Bank Student Credit Card - Ongoing Interest Rate: 14.24% variable rate*. Introductory APR: Same as ongoing. Balance Transfer Rate: 4.99% for 6 months, then same as ongoing. Annual Fee: None. (click for all terms & conditions.)

  • State Farm Student Credit Card - Ongoing Interest Rate: As low as 11.99%, as high as 18.24% variable rate*. Introductory APR: Same as ongoing. Balance Transfer Rate: Same as ongoing. Annual Fee: None. (click for all terms & conditions.)

  • US Bank College Rewards Visa Card - Ongoing Interest Rate: As low as 11.99%, as high as 20.99% variable rate*. Introductory APR: Same as ongoing. Balance Transfer Rate: Same as ongoing. Annual Fee: None. (click for all terms & conditions.)

Related Categories: Student Credit Cards with Rewards

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* variable rate = credit card interest rate changes in line with federal interest rates or other rate index; fixed rate = credit card rate stays the same regardless of changes in federal rates, but still may be changed by credit card issuer in the future.

** See the online Discover credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on Discover's website.

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