10 Best Credit Cards in 2023 for Students with No Credit and No Income
Studying can be fun, but it can also be stressful, not just for exams. Part of the reason college is not a carefree experience is that the average college student is usually broke. As a result, college students’ income opportunities aren’t always lucrative without fundamental skills—skills that can be learned in college.
Getting your credit card without income or co-signer is unthinkable until you’re 21, but if you don’t have money, getting a new line of credit isn’t easy at any age. Even with a modest income and no established credit history, most credit card issuers consider you a risky bet. On the plus side, various issuers are willing to take that gamble. Many student cards also let you earn cashback rewards on purchases, including our favorites below.
1. Discover it® Student Cash Back
Cashback Match – Only from Discover. Discover will automatically reconcile all cashback earned at the end of his first year! There is no minimum spend or maximum reward. Dollar match dollars only.
Earn $5.50 quarterly on daily purchases at Amazon.com, grocery stores, restaurants, gas stations, and more. You can earn up to your max quarterly amount if you enable this. In addition, an unlimited 1.5 shillings will be automatically returned on all other purchases.
2. Deserve® EDU Mastercard for Students
All college students—from the United States and abroad—can apply for the Deserve EDU Mastercard for Students, a student credit card that has won numerous awards. You can apply for international students without an SSN.
A non-traditional choice, the Deserve EDU beginning credit card functions neither as a subprime card nor as a safe credit card. For international college students without a Social Security Number, this card works effectively.
3. Capital One SavorOne Student Cash Rewards Credit Card
Earn cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through
Enjoy no annual fees, foreign transaction fees, or hidden fees
Lock your card in the Capital One Mobile app if it’s misplaced, lost, or stolen
When comparing student cards, it’s essential to understand precisely how your new card will work. This includes understanding the specific interest rates you’ll be charged, as different transactions may charge different rates.
4. Capital One Quicksilver Secured Cash Rewards credit card
There are no annual or hidden fees, and you can earn an unlimited 1.5 Sheaback with each daily purchase. See if you’re approved in seconds.
Submit a $200 refund deposit to receive your first $200 line of credit. Responsible use of such cards may help
With $0 Fraud Liability, you can rest easy knowing that we are not responsible for fraudulent charges. If you use your card responsibly, your deposit will be refunded as a statement credit. Make payments on time In as little as six months, higher credit limits are automatically considered, with no additional deposit required
5. Capital One Platinum Secured Credit Card
There are no annual fees or hidden fees. See if you’re approved in seconds
Responsible use of your Capital One Platinum Secured card may solve your problem
Get your first $200 line of credit with a refundable deposit starting at $49
If you use your card responsibly, your deposit will be refunded as a statement credit. Make payments on time. In as little as six months, higher credit limits are automatically considered, with no additional deposit required With $0 Fraud Liability, you can rest easy knowing that we are not responsible for fraudulent charges
6. Discover it® Secured Credit Card
Earn no annual fees or cash back, and build trust through stewardship.
Establish a line of credit by presenting a refundable deposit of at least $200. You must provide your bank details when submitting your deposit, and the deposit is up to your credit limit.
Automatic checks from 7 months to see if you can convert to an unsecured line of credit and refund your deposit.
Earn $2.50 at gas stations and restaurants and earn up to $1,000 on total purchases each quarter.
7. Brinks Prepaid Mastercard
Brink’s has given you the security you deserve—cash and valuables protection since 1859.
With Brink’s direct deposit, you can receive your payment faster* than with a paper check.
It’s not a credit card, so there are no late fees or interest.
Manage your account and receive SMS or email notifications on the go with the Brink’s Money mobile prepaid app (message and data charges may apply).
8. PayPal Prepaid Mastercard®
Fund your prepaid card account by transferring money from your PayPal account.
Earn cashback and personalized offers just by using your card. For example, a direct deposit allows you to get paid faster than paper checks.
A card issued by The Bancorp Bank, a member of the FDIC. This card can be used anywhere a debit Mastercard is accepted.
Click PayPal Prepaid Mastercard® to see more features and program details and to request your card.
9. NetSpend® Visa® Prepaid Card
It’s not a credit card, so there are no late fees or interest. There are no overdraft fees for card purchases. Manage your account and receive SMS or email notifications on the go with the NetSpend mobile app (message and data charges may apply). Card issued by FDIC member MetaBank®.
10. Amazon.com Loyalty Card
The Amazon.com Store Card is great for students who are also Prime members, as it allows you to unlock five CK on Amazon.com purchases (Prime student membership also counts).
The Amazon.com Store Card uses deferred interest but offers special financing for large orders, so be sure to pay in full before the promotional period ends. If you don’t qualify for an Amazon.com store card, you might be interested in our secure Amazon.com store card credit builder.
FAQ’s
If you have no credit what is your score?
If you don’t have credit history you don’t have a score or a credit report. Your credit report is created with the first activity it receives.
What credit card can I get with no credit?
Many issues offer credit cards for those with no credit.Students cards can avail this opportunity and not require credit for approval.
Can you get a credit card at 18 with no credit?
Yes , credit card options for younger adults with no credit exist , though receiving approval before the age of 21 can be more difficult.
10 Best Credit Cards in 2023 for Students with No Credit and No Income
Studying can be fun, but it can also be stressful, not just for exams. Part of the reason college is not a carefree experience is that the average college student is usually broke. As a result, college students’ income opportunities aren’t always lucrative without fundamental skills—skills that can be learned in college.
Getting your credit card without income or co-signer is unthinkable until you’re 21, but if you don’t have money, getting a new line of credit isn’t easy at any age. Even with a modest income and no established credit history, most credit card issuers consider you a risky bet. On the plus side, various issuers are willing to take that gamble. Many student cards also let you earn cashback rewards on purchases, including our favorites below.
1. Discover it® Student Cash Back
Cashback Match – Only from Discover. Discover will automatically reconcile all cashback earned at the end of his first year! There is no minimum spend or maximum reward. Dollar match dollars only.
Earn $5.50 quarterly on daily purchases at Amazon.com, grocery stores, restaurants, gas stations, and more. You can earn up to your max quarterly amount if you enable this. In addition, an unlimited 1.5 shillings will be automatically returned on all other purchases.
2. Deserve® EDU Mastercard for Students
All college students—from the United States and abroad—can apply for the Deserve EDU Mastercard for Students, a student credit card that has won numerous awards. You can apply for international students without an SSN.
A non-traditional choice, the Deserve EDU beginning credit card functions neither as a subprime card nor as a safe credit card. For international college students without a Social Security Number, this card works effectively.
3. Capital One SavorOne Student Cash Rewards Credit Card
Earn cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through
Enjoy no annual fees, foreign transaction fees, or hidden fees
Lock your card in the Capital One Mobile app if it’s misplaced, lost, or stolen
When comparing student cards, it’s essential to understand precisely how your new card will work. This includes understanding the specific interest rates you’ll be charged, as different transactions may charge different rates.
4. Capital One Quicksilver Secured Cash Rewards credit card
There are no annual or hidden fees, and you can earn an unlimited 1.5 Sheaback with each daily purchase. See if you’re approved in seconds.
Submit a $200 refund deposit to receive your first $200 line of credit. Responsible use of such cards may help
With $0 Fraud Liability, you can rest easy knowing that we are not responsible for fraudulent charges. If you use your card responsibly, your deposit will be refunded as a statement credit. Make payments on time In as little as six months, higher credit limits are automatically considered, with no additional deposit required
5. Capital One Platinum Secured Credit Card
There are no annual fees or hidden fees. See if you’re approved in seconds
Responsible use of your Capital One Platinum Secured card may solve your problem
Get your first $200 line of credit with a refundable deposit starting at $49
If you use your card responsibly, your deposit will be refunded as a statement credit. Make payments on time. In as little as six months, higher credit limits are automatically considered, with no additional deposit required With $0 Fraud Liability, you can rest easy knowing that we are not responsible for fraudulent charges
6. Discover it® Secured Credit Card
Earn no annual fees or cash back, and build trust through stewardship.
Establish a line of credit by presenting a refundable deposit of at least $200. You must provide your bank details when submitting your deposit, and the deposit is up to your credit limit.
Automatic checks from 7 months to see if you can convert to an unsecured line of credit and refund your deposit.
Earn $2.50 at gas stations and restaurants and earn up to $1,000 on total purchases each quarter.
7. Brinks Prepaid Mastercard
Brink’s has given you the security you deserve—cash and valuables protection since 1859.
With Brink’s direct deposit, you can receive your payment faster* than with a paper check.
It’s not a credit card, so there are no late fees or interest.
Manage your account and receive SMS or email notifications on the go with the Brink’s Money mobile prepaid app (message and data charges may apply).
8. PayPal Prepaid Mastercard®
Fund your prepaid card account by transferring money from your PayPal account.
Earn cashback and personalized offers just by using your card. For example, a direct deposit allows you to get paid faster than paper checks.
A card issued by The Bancorp Bank, a member of the FDIC. This card can be used anywhere a debit Mastercard is accepted.
Click PayPal Prepaid Mastercard® to see more features and program details and to request your card.
9. NetSpend® Visa® Prepaid Card
It’s not a credit card, so there are no late fees or interest. There are no overdraft fees for card purchases. Manage your account and receive SMS or email notifications on the go with the NetSpend mobile app (message and data charges may apply). Card issued by FDIC member MetaBank®.
10. Amazon.com Loyalty Card
The Amazon.com Store Card is great for students who are also Prime members, as it allows you to unlock five CK on Amazon.com purchases (Prime student membership also counts).
The Amazon.com Store Card uses deferred interest but offers special financing for large orders, so be sure to pay in full before the promotional period ends. If you don’t qualify for an Amazon.com store card, you might be interested in our secure Amazon.com store card credit builder.
FAQ’s
If you have no credit what is your score?
If you don’t have credit history you don’t have a score or a credit report. Your credit report is created with the first activity it receives.
What credit card can I get with no credit?
Many issues offer credit cards for those with no credit.Students cards can avail this opportunity and not require credit for approval.
Can you get a credit card at 18 with no credit?
Yes , credit card options for younger adults with no credit exist , though receiving approval before the age of 21 can be more difficult.
