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Credit Cards for 18 Year Olds with No Credit
18 Feb 2019

Student Credit: 5 Credit Cards for 18 Year Olds with No Credit

As we all know by now, college students are stuck in the midst of a perpetual financial crisis. With a collective debt of over $1.5 trillion, today’s students need an emergency line of credit without accruing a ton of extra interest.

To that end, one of these credit cards for 18 year olds with no credit should help do the trick.

The 5 Best Credit Cards for 18 Year Olds with No Credit

What makes a good credit card for students? Well, it should have a moderate credit line, a low-interest rate, and plenty of nice spending rewards that help the card pay for itself.

1. Discover it Student Cash Back Card

This card has one of the best cash back rates on the market. Every quarter, you can get up to 5% cash back on different purchase categories like gas, food, and online shopping. All other purchases give you 1% cash back.

This card also has 0% APR for six months and no annual fee!

2. Bank of America Travel Rewards Card

If you go to a college in a different state, and you want to save money on your flights home for breaks and holidays, then the Bank of America Travel Rewards card is for you. This card gives you points for discounted travel spending.

On top of that, it gives you 1.5% cash back on all spending.

3. Wells Fargo Cash Back College Card

Like the aforementioned Discover card, you get 3% cash back on various spending categories and 1% cash back on all other purchases. There is also no annual fee and no introductory APR for 6 months.

The only difference with this card is that your higher-end cash back rate is 3% instead of 5%.

4. Chase Freedom Unlimited Card

The Chase Freedom Unlimited card is a great starter for students who aren’t trying to go overboard on their credit card spending. Unlike most cards, this one has no minimum redemption amount on rewards points.

This card will also give you a $150 bonus if you just spend $500 in the first 3 months. And lastly, you also get 1.5% cash back on all purchases.

5. Capital One Journey Student Rewards Card

If you want to practice your fiscal responsibility, this card will actually reward you for making monthly payments on time. Typically, this card will reward you 1% cash back on all purchases, but if your monthly payment comes on time, your cash back rate gets boosted to 1.25% for the month.

On top of that, this card has a $0 annual fee and there are no foreign transaction fees. So if you want to spend a semester studying abroad, then this card is the perfect fit.

Need More Assistance Picking a Credit Card?

The options available may seem daunting, but really any one of these credit cards for 18 year olds with no credit will do the trick. But if you want to check out some of the other options available for students, check out the rest of our student credit cards section!

Just remember that you want something with low interest, no annual fees, and a rewards system that you’ll actually use.

Interested in finding out about anything from no credit check personal loans to credit cards? Check out our blog.

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