ICC Twitter

 
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 if you qualify* for 7 months
  • Earn 5 Reward points/dollar on purchases
  • Interest Rate: 12.99-19.99% variable rate*

Apply Now
 
Citi(R) Dividend Platinum Select(R) Card for College Students
Citi® Dividend Platinum Select® Card for College Students


  • No Cosigner Required.
  • Earn a full 1% cash back on all other
    purchases*

Apply Now
 
Discover® Student Card
Discover® Student Card**


  • 0% APR on purchases for 6 months
  • Earn 5% Cashback Bonus® on some purchases
  • Interest Rate: 13.99-20.99% variable rate*

Apply Now
  • Citi Forward® Card for College Students - Ongoing Interest Rate: 12.99-19.99% 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%. Introductory APR: 0% for 7 months if you qualify*. Balance Transfer Rate: 0% for 12 months if you qualify*. 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.)

  • Citi® Dividend Platinum Select® Card for College Students - Ongoing Interest Rate: 12.99-21.99% Variable. Introductory APR: N/A. Balance Transfer Rate: 4% Annual Fee: None. Also: No Cosigner Required || Earn 5% Cash Back on eligible purchases at supermarkets, drugstores, gas stations, convenience stores & utilities (including cable) for 6 months, and 1% thereafter*. || Earn a full 1% cash back on all other purchases*. (click for all terms and conditions.)

  • Discover Student Card** - Ongoing Interest Rate: 13.99-20.99% variable rate*. Introductory APR: 0% on purchases for 6 months. Balance Transfer Rate: No balance transfers. Annual Fee: None. Also: Earn 5% Cashback Bonus® in categories that change like travel, department stores, gas, groceries, restaurants, and more. (click for all terms & conditions.)

  • Discover® Student Open Road Card** - Ongoing Interest Rate: 13.99-20.99% variable rate*. Introductory APR: 0% on purchases for 6 months. Balance Transfer Rate: No balance transfers. Annual Fee: None. Also: Double Cashback Bonus® on your first first $250 in purchases at any gas station and any restaurant. Up to 1% unlimited Cashback Bonus on everything else you buy along the way, automatically.. (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

See All Credit Card Categories

* 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.

About us | Contact Us | Index Credit Cards in the News | Credit & Financial Links

Site Map | Privacy Policy | Terms of Use

ICC User Survey