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At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation for how we make money. The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired. Terms apply to the offers listed on this page. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Bankrate logo The Bankrate promise
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You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. Bankrate follows a strict , so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. In college, many students may feel that using a debit card is safer or easier than using a credit card. But it would be wise for students to pay attention to their credit scores early on so they can set themselves up for financial success. By starting out with credit slowly, and by learning positive financial habits along the way, students have the potential to and an impressive score — which will come in handy when they . While there are plenty of financial products that can help students build credit from scratch, students who already have some credit history may be wondering which credit cards are available to them. While many card issuers like Discover and Capital One offer several credit cards for students, Chase has just one dedicated . However, it has some other credit cards that would work well for students, which we’ll explore below. Best Chase credit cards for students
Chase Freedom Student credit card Best for a starter card
is the only credit card Chase offers that is . This card comes with no annual fee and 1 percent cash back on general purchases. You can redeem rewards at any time for statement credits, direct deposits, gift cards, travel or shopping at Amazon.com. As a new cardholder, you’ll earn a $50 welcome bonus after you make your first purchase (must be within the first three months of account opening). Each year your card remains in good standing, you’ll receive $20 after your account anniversary (for up to five years). Other perks include unlimited access to your credit score and an automatic credit limit increase after making five months of on-time payments within the first 10 months. Additionally, this card comes with an automatic lock/unlock feature that lets you block new purchases, cash advances and balance transfers if your card is lost or stolen. Note that this card is for students with a good to excellent credit score (670 to 850), meaning it’s not a good choice for those who don’t yet have a credit history. Chase Freedom Unlimited Best for bonus category rewards
If you’re a student who has already built up your credit score, you may want to consider the , which is a no-annual-fee card that lets you earn a higher rate of rewards. With this card you’ll earn 5 percent cash back on travel purchased through , 5 percent cash back on Lyft purchases (through March 2025), 3 percent cash back on dining and drugstore purchases and 1.5 percent cash back on all other purchases. You’ll also be able to earn a welcome offer of 1.5 percent cash back on top of all purchases’ original cash back rate (on up to $20,000) for the first year (exclusive offer through Bankrate). Other students may appreciate include a free DoorDash DashPass subscription for three months (after which you’ll get 50 percent off for nine months; must activate before Dec. 31, 2024), purchase protection, extended warranty protection and trip cancellation/interruption insurance. This card is also if you need to charge a large purchase or carry a balance and want to avoid interest for a limited time. It comes with a 0 percent intro APR on purchases and balance transfers for 15 months (balance transfers must be made within the first 60 days). Just note that your interest rate will reset to a variable APR of 17.99 percent to 26.74 percent once the introductory APR offer ends. Chase Freedom Flex Best for rotating category rewards
If you’re willing to put a bit more effort into earning rewards, the is another great to consider. You’ll earn 5 percent cash back on activated each quarter (on up to $1,500 in purchases, then 1 percent back), 5 percent cash back on , 5 percent cash back on Lyft rides (through March 31, 2025), 3 percent cash back on dining and drugstore purchases and 1 percent cash back on all other purchases. This card comes with a welcome offer of $200 cash back after spending $500 within the first three months of account opening, which is attainable even for students on a strict monthly budget. You’ll also get a 0 percent intro APR on purchases and balance transfers for 15 months (balance transfers must be made within the first 60 days), after which a variable APR of 17.99 percent to 26.74 percent will apply. The Chase Freedom Flex also comes with a free DoorDash DashPass subscription for three months, then 50 percent off for nine months (must activate by Dec. 31, 2024). Other valuable perks include cellphone protection, purchase protection, extended warranty protection, trip cancellation/interruption insurance and Mastercard World Elite benefits. Some current include a $5 Lyft credit every month that you take three or more Lyft rides, a complimentary ShopRunner membership for one year and a $5 Fandango credit when you spend $20 on Fandango. Is a Chase credit card right for you
Chase credit cards are generally for consumers with good to excellent credit — and that includes all of the cards mentioned above. You may already have good to excellent credit if your on one of their credit cards. Regardless, be sure to check your before you apply. If you have a limited credit history or a lower credit score, you’ll likely need to start your credit journey with a student card that , such as the Discover it Student Cash Back or Discover it Student chrome, or a credit card that requires a lower credit score range, like the Capital One SavorOne Student Cash Rewards Credit Card, which recommends a fair to good score. How to choose a Chase credit card as a student
The for students is the one that helps you reach your goals. These tips can help you figure out for your wallet. Compare Chase card options
Start the process by comparing the above Chase card options until you find a card that’s ideal for your goals. Make sure to compare rewards programs, credit card fees and cardholder benefits that may be important to you. Additionally, it’s worth noting that Chase offers some of the on the market, including co-branded hotel and airline credit cards. For example, the Chase Sapphire Preferred Card may be a better fit for your needs and lifestyle if you’re a student with a lucrative side hustle who also travels a lot. Consider 0% APR offers
If you have high interest debt to pay off or if you’re hoping to pay for a large purchase over time without paying interest — maybe you need to furnish your first apartment or you’re hoping to book a trip abroad next semester — you may want to look for a Chase credit card with a 0 percent introductory APR. Both the Chase Freedom Unlimited and Chase Freedom Flex include 0 percent intro APR offers on purchases and balance transfers for 15 months (variable APR of 17.99 percent to 26.74 percent thereafter). Otherwise, the has a longer 0 percent intro APR for purchases and balance transfers at 18 months (17.99 percent to 26.74 percent variable APR after), but it doesn’t come with rewards, a welcome offer or competitive perks. Look at rewards structures
If you are angling to earn rewards on your spending, see which cards offer a rewards structure that makes sense with your spending. The Chase Freedom Unlimited offers boosted rewards on certain category purchases and at least 1.5 percent cash back on everything you buy, but the Chase Freedom Flex offers 5 percent cash back in rotating categories each quarter. Although the categories change every few months, they frequently include grocery stores, select streaming services, gas stations and other popular spending categories. The bottom line
Chase offers several credit cards that would work well for students who already have a good credit history. No-annual-fee cash back cards like the Chase Freedom Unlimited and Chase Freedom Flex are wallet staples for many consumers, so you won’t need to worry about upgrading a student card . And for students who are already , the Chase Sapphire Preferred could be worth considering, if they’re open to paying an annual fee. SHARE: Holly Johnson writes expert content on personal finance, credit cards, loyalty and insurance topics. In addition to writing for Bankrate and CreditCards.com, Johnson does ongoing work for clients that include CNN, Forbes Advisor, LendingTree, Time Magazine and more. Liz Bingler is an Associate Editor for CreditCards.com and Bankrate, where she focuses on product news and reviews. As an editor, her goal is to produce content that will help people to make informed financial decisions. Related Articles