It’s never too early to start building your credit history. When you’re 18, it can be a little difficult because you’ll need a co-signer in most cases and that means having someone who has good credit vouch for you. If that doesn’t work out, there are other ways to credit cards to build credit for 18 year olds! Here are the top 5 cards I recommend for those of you looking to build up your credit score as soon as possible.
After selecting a card, you should consider your requirements and find one that fits with you- however, we address here the top five cards to build credit for 18-year students as well as digging into each card’s perks and drawbacks, so that you can make a proper decision.
Comparison for top 5 Credit cards to build credit for 18-year-olds student
| Card Name | Annual fee | APR Rate | Best for |
| Discover It Student Cash Back | $0 | 18% APR rate. | Best for cashback |
| Journey Student Credit Card from Capital One | $0 | 26.99% variable APR rate. | Best for timely bill payments |
| Bank of America Customized Cash Rewards Credit Card | $0 | 0% APR for first 60 day then 13.99% – 23.99% Variable-rate. | Best for a sign-up bonus |
| Citi Rewards + Student Card | $0 | 0% Intro APR for 15 months then 3.49% – 23.49% variable rate. | best for small thank bonus, purchases and supermarkets |
| Wells Fargo Active Cash Card | $0 | 0% intro APR for 15 months then 4.99%, 19.99% or 24.99% variable rate. | best for gas and grocery bonus |
- Top 5 Credit Cards To Build Credit For 18 Year Olds Student
- 1. Discover It Student Cash Back – Best for cash-back
- 2. Journey Student Credit Card from Capital One: best for payment
- 3. Bank of America Customized Cash Rewards Credit Card: Best for a sign-up bonus
- 4. Citi Rewards + Student Card: best for small purchases and supermarkets
- 5. Wells Fargo Active Cash Card: best for gas and grocery bonus
- Final Verdict
Top 5 Credit Cards To Build Credit For 18 Year Olds Student
If you are feeling fantastic with the features of your favorite credit card, you wouldn’t require to switch, but when you are looking for a reliable and trusted student credit card, this context is for you. Here we describe the top 5 credit cards to draw your kind attention.
1. Discover It Student Cash Back – Best for cash-back
Are you winding to earn top-tier rewards and build an excellent credit history? Want to qualify for the best cashback opportunity?
If so, then you’ll go to Discover card company and prepare for their Discover It Student Cash Back by using It Student Credit Card, you’ll acquire some extraordinary advantages like cash back rewards, no annual fees, quick approval, and many more. Hence want to use this credit card? Just follow those conditions.
How to qualify for Discover IT Student Cash Back?
Qualifying for Discover It Student Cash Back is quite simple. When you are interested in adopting a discover student credit card, you should fill out those conditions.
- Your student identity card.
- Your age must be 18 or 18 + years.
- Your email, phone, and other essential contracts no.
- Present and permanent address.
- Monthly or yearly approximate income.
Features of Discover IT Student Cash Back
You have found some nifty features when you qualify for the Discover It Student Cash Back credit card. Here are those.
- No annual fees.
- 5% cashback at Grocery Stores, Walgreens, and CVS.
- 5% cashback at Gas Stations, Wholesale Clubs, and Select Streaming Services.
- 99% nationwide acceptance goodwill.
- 5% cash back on restaurants, Amazon, Walmart, and Treget.com.
- 2x cashback on the different shopping centers.
However, you should try to qualify for those qualifications and follow the proper guideline to take the Discover It Student Cash Back credit card.
2. Journey Student Credit Card from Capital One: best for payment
Typically, a student credit card offers some advantages while another card doesn’t have those. Many companies offer credit cards to build credit for 18 year olds, but a capital one journey credit card is a better option for you when you’re looking for the best credit cards for 18 year old.
With this credit card, you can acquire $5 per month for 12 months on elite streaming subscriptions when you pay on time.
How to qualify for a Journey Student Credit Card?
To qualify for Capital One Journey Student Credit Card, you must follow capital one’s terms and conditions. Here we tress those conditions below.
- Your email, phone, and other vital contracts no
- Present and permanent address
- Monthly or yearly approximate income
- Your student identification number
- Age must be 18 or 18+ years
Features of Journey Student Credit Card
Capital One provides the Journey Student Credit Card to help the student build credit score. While you’ll qualify for these excellent credit cards, you’ll find some fantastic features. Here are some of those
- $0 annual costs
- Account alerts
- Fraud liabilities.
- Unlimited 1% Cash Back
- 26.99% variable APR rates to meet your costs
- $60 Streaming Subscription Credit per year
So, you should examine all of those qualifications and carry on building credit with capital one journey student credit cards
3. Bank of America Customized Cash Rewards Credit Card: Best for a sign-up bonus
Looking for more reliable credit with you? You are in here because you can’t choose those above credit cards or want to know about different cards, right? Bank of America is another popular credit card provider.
It also has a reliable student credit card that helps you to build your credit score. With its Customized Cash rewards credit cards with no annual fee, you’ll qualify for these options. You can also find low introductory APR, a $200 online cash rewards bonus, and many more without making a credit score!
How to qualify for Customized Cash Rewards Credit Card?
To take any particular credit card, qualifying conditions is the most valuable option. There is not a single difference in Customized Cash Rewards Credit Cards from Bank of America. Here you’ll find their qualification conditions below.
- Your student identity card
- Your age must be 18 or 18 + years
- Your email, phone, and other essential contracts no
- Present and permanent address
- Monthly or yearly approximate income
Features of Bank of America Customized Cash Rewards Credit Card
You can get excellent features by qualifying for Customized Cash Rewards Credit Cards from Bank of America. For your concentration, we discuss those features at a glance below.
- 3% cashback in the category of your choice.
- $0 annual costs.
- 2% cash back at grocery stores and wholesale clubs.
- 1% cashback on all other purchases.
- $200 online cash rewards bonus offer.
- Variable APR that’s currently 13.99% to 23.99%.
- 3% balance transfer fee
However, Bank of America Customized Cash rewards Credit cards are excellent for building credit for 18 years old students. It would help if you tried to pass their conditions and make perfect credit scores for future uses.
4. Citi Rewards + Student Card: best for small purchases and supermarkets
Do you want to build a handsome credit score by using your credit card? Keen on a small purchase, reliable credit cards to build credit for 18 year olds, and rebuilding credit score?
Citi Rewards + Student Card will be perfect for you. With this credit card, you’ll earn 20,000 bonus points after using $1,500 within the initial three months of account opening.
And also get a 0% APR rate for the first fifteen months. And has excellent balance transfer facilities. Now here you’ll find the qualifying conditions below.
How to qualify for Citi Rewards + Card?
Citi Rewards + Student Card is one of the powerful credit cards to build a credit score. To get this opportunity, you follow some terms and conditions. Here you will find those.
- Student identity cards must be needed
- Present and permanent address
- Monthly or yearly approximate income
- Your email, phone, and cell phone number
- Age must be 18 or 18+ years.
Features of Citi Rewards + Card
Citi Rewards +Student Card offers various types of convenience features. When you are qualified for this, find some excellent features. Here we address those features at a glance.
- 2x cashback points on gas stations and supermarkets
- No annual fees
- 0% Intro APR for 15 months on purchases and balance transfers
- Digital wallet facility
- 10% Points Back when you redeem
So, if this Citi Rewards + Student Credit Card fits your requirements, you should try to pass all of the restrictions and conditions. Take this credit card and building your credit card score for future uses.
5. Wells Fargo Active Cash Card: best for gas and grocery bonus
Are you not satisfied with the above four credit cards? Or want to know more? If so, then you’ll take your concentration on Wells Fargo Active Cash Card. These are also helpful credit cards for 18 year olds to build credit.
With this credit card, you can get a 0% APR facility for the first fifteen months, and it offers 2% cash rewards on purchases. To take Wells Fargo Active Cash Card, you should follow some terms and conditions. Here you’ll find those conditions.
How to qualify for Wells Fargo Active Cash Card?
These are the main factors for getting reliable and trusted credit cards. When you are keen to acquire Wells Fargo Active Cash Card, you should provide some vital information and meet a few conditions.
- Your age must be 18 or 18 + years
- Your email, phone, and other essential contracts no
- Present and permanent address
- Monthly or yearly approximate income
- Must provide studentship ID card
Features of Wells Fargo Active Cash Card
Wells Fargo Active Cash Card is an entirely student-reliable card that helps to build or rebuild credit scores. When you’ll enroll in this credit card, you’ll find a few excellent features. Here we address those at a glance
- unlimited 2% cash rewards on purchases
- 0% intro APR for first 15 months
- Zero Liability protection
- Strong security-protected features
- Exceptional Visa Signature privileges for regular customers
However, Wells Fargo Active Cash Card is just excellent to build credit for 18 years old students. It would help if you tried to pass their conditions and make handsome credit scores for future uses.
Final Verdict
Credit cards to build credit for 18 year olds students is worthy for graduates. Here we discuss the top five credit cards special for different conditions, so you should select a credit card that fits you. By qualifying inflicted conditions, you’ll be able to build your credit score for the future and enjoy those facilities as well.