Ranked by the lowest APR

Student credit cards

Cards for students, with the lowest APRs first. 5 cards.

Checked Nov 1, 2026

November 2026 listUpdated

The lowest APR on a student card today: 13.25–18.00% on Del-One FCU Student Rewards.

13.25–18.00%the lowest APR today

5cards, all of them listed

$0annual fee, on all 5

No card here matches both. Clear a filter to see more.

Sorted by lowest purchase APR today first.

  1. 1Del-One FCU Student Rewards VisaDel-One Federal Credit UnionPurchase APR13.25–18.00%Yearly valueNot counted: Not ranked on cash value: rewards we can’t count, or points with no stated cash value
  2. 2Discover it Student Cash Back CardDiscoverPurchase APR16.74–25.74%Yearly value$300
  3. 3Discover it Student Chrome Credit CardDiscoverPurchase APR16.74–25.74%Yearly value$340
  4. 4Quicksilver StudentCapital OneWelcome offer: $50 cash back after $100 in 3 monthsOnce per 48 months: The issuer’s rule on getting the bonus again: check when you canPurchase APR18.74–28.74%Yearly value$450
  5. 5Savor Student Credit CardCapital OneWelcome offer: $50 cash back after $100 in 3 monthsOnce per 48 months: The issuer’s rule on getting the bonus again: check when you canPurchase APR18.74–28.74%Yearly value$515

We sort by the measure named above and nothing else, and no link here pays us. Values, first-year values included, are for our typical spender ($2,500 a month of spending), from each card’s published terms; “Needs $… a month” marks a bonus whose spending requirement is above that pace. Our pledge