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Best Chase Student Credit Cards of January 2022

*Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated December 23, 2021 . Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

Chase is known for offering a wide variety of rewards credit cards – including cashback cards, hotel cards, airline cards and more. But when it comes to the best Chase card specifically intended for students, the Chase Freedom® Student credit card tops our list.
Best Chase Student Credit Cards of January 2022
Best overall Chase student credit card Chase Freedom® Student credit card
Best for straightforward cashback rewards Chase Freedom Unlimited®
Best for rotating bonus categories Chase Freedom Flex℠
Best for travel Chase Sapphire Preferred® Card
Best for Amazon purchases Amazon Prime Rewards Visa Signature Card
Best for coffee lovers Starbucks Rewards™ Visa® Card

If you’re a student who wants to take advantage of the benefits that come with carrying a Chase credit card – such as access to the Ultimate Rewards® program, purchase protection and extended warranty protection – you may be surprised to learn that Chase actually only has one credit card specially designed for students. But that doesn’t mean there aren’t other Chase cards you may also qualify for.

While the Chase Freedom® Student credit card is our top pick for Chase’s best overall student credit card, a cashback card, like the Chase Freedom Flex℠, or a travel card, like the Chase Sapphire Preferred® Card, may be a better fit, depending on your needs and credit score.

Based on our research of credit cards available through LendingTree, as well as the top cards currently offered by Chase, here are our picks for the best Chase credit cards for students for the following categories:

Best For Overall Chase student card

Chase Freedom<sup>®</sup> Student credit card

Chase Freedom® Student credit card

Apply Now
on Chase's secure site
Intro Purchase APR N/A
Annual Fee $0
Regular Purchase APR 14.99% Variable

Along with cash back on every purchase, the Chase Freedom® Student credit card offers an easily attainable sign-up bonus and tools to help promote responsible credit usage. Cardholders earn 1% cash back on all purchases plus $20 Good Standing Rewards after each account anniversary for up to 5 years.

Plus, the $0 annual fee card offers a $50 bonus after first purchase made within the first 3 months from account opening.

Cashback rewards can be redeemed as statement credits or direct deposits into most U.S. checking and savings accounts.

If you’re a student looking to build up a solid credit history and credit score, the Chase Freedom® Student credit card could be a good fit, since it offers an automatic credit limit increase when you make five monthly on-time payments in the first 10 months of opening your account and meeting credit criteria.

We should note, while the Chase Freedom® Student credit card offers cash back on every purchase, the rate is mediocre compared to some other student credit cards. That said, cardholders can also earn 5% cash back on Lyft rides through March 2022.

Also know – when applying for this card – you may be required to provide additional verification documents, such as a U.S.-issued driver’s license or Social Security card.

  • $20 in Good Standing Rewards after each account anniversary for up to five years for keeping your account up-to-date on payments.
  • Free and unlimited access to your credit score through Chase Credit Journey.
  • Purchase protection on new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
  • Extended warranty protection for an additional year beyond the U.S. manufacturer’s warranty (on eligible warranties of three years or less).
  • Complimentary three-month membership to DashPass from DoorDash, when you activate by Dec. 31, 2021.

Along with cash back on every purchase, the Chase Freedom® Student credit card offers an easily attainable sign-up bonus and tools to help promote responsible credit usage. Cardholders earn 1% cash back on all purchases plus $20 Good Standing Rewards after each account anniversary for up to 5 years.

Plus, the $0 annual fee card offers a $50 bonus after first purchase made within the first 3 months from account opening.

Cashback rewards can be redeemed as statement credits or direct deposits into most U.S. checking and savings accounts.

If you’re a student looking to build up a solid credit history and credit score, the Chase Freedom® Student credit card could be a good fit, since it offers an automatic credit limit increase when you make five monthly on-time payments in the first 10 months of opening your account and meeting credit criteria.

We should note, while the Chase Freedom® Student credit card offers cash back on every purchase, the rate is mediocre compared to some other student credit cards. That said, cardholders can also earn 5% cash back on Lyft rides through March 2022.

Also know – when applying for this card – you may be required to provide additional verification documents, such as a U.S.-issued driver’s license or Social Security card.

  • $20 in Good Standing Rewards after each account anniversary for up to five years for keeping your account up-to-date on payments.
  • Free and unlimited access to your credit score through Chase Credit Journey.
  • Purchase protection on new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
  • Extended warranty protection for an additional year beyond the U.S. manufacturer’s warranty (on eligible warranties of three years or less).
  • Complimentary three-month membership to DashPass from DoorDash, when you activate by Dec. 31, 2021.

Best For Straightforward cashback rewards

Chase Freedom Unlimited<sup>®</sup>

Chase Freedom Unlimited®

Apply Now
on Chase's secure site
Intro Purchase APR 0% Intro APR on Purchases for 15 months
Annual Fee $0
Regular Purchase APR 14.99% - 23.74% Variable

With the Chase Freedom Unlimited®, cardholders enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases Plus, cardholders earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.

Like the Chase Freedom® Student credit card, the Chase Freedom Unlimited® comes with a $0 annual fee. Also, rewards can be redeemed for statement credits, direct deposits, gift cards or travel, or applied to Amazon.com purchases.

If you want to earn a higher sign-up bonus and cashback rate – and you already have excellent/good credit – the Chase Freedom Unlimited® card may be a better fit than the student version of the card.

Additionally, the Chase Freedom Unlimited® is ideal if you need to finance a large purchase, such as a laptop or apartment furniture, since the card comes with a 0% Intro APR on Purchases for 15 months. After that, a regular APR of 14.99% - 23.74% variable applies.

There is also a 0% Intro APR on Balance Transfers for 15 months. After the intro period ends, the regular APR will be 14.99% - 23.74% variable . The balance transfer fee is either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days. Then, either $5 or 5% of the amount of each transfer, whichever is greater.

  • Purchase protection on new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
  • Extended warranty protection for an additional year beyond the U.S. manufacturer’s warranty (on eligible warranties of three years or less).
  • Complimentary three-month membership to DashPass from DoorDash, when you activate by March 31, 2022.
  • 5% cash back on Lyft rides through March 2022.

With the Chase Freedom Unlimited®, cardholders enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases Plus, cardholders earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.

Like the Chase Freedom® Student credit card, the Chase Freedom Unlimited® comes with a $0 annual fee. Also, rewards can be redeemed for statement credits, direct deposits, gift cards or travel, or applied to Amazon.com purchases.

If you want to earn a higher sign-up bonus and cashback rate – and you already have excellent/good credit – the Chase Freedom Unlimited® card may be a better fit than the student version of the card.

Additionally, the Chase Freedom Unlimited® is ideal if you need to finance a large purchase, such as a laptop or apartment furniture, since the card comes with a 0% Intro APR on Purchases for 15 months. After that, a regular APR of 14.99% - 23.74% variable applies.

There is also a 0% Intro APR on Balance Transfers for 15 months. After the intro period ends, the regular APR will be 14.99% - 23.74% variable . The balance transfer fee is either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days. Then, either $5 or 5% of the amount of each transfer, whichever is greater.

  • Purchase protection on new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
  • Extended warranty protection for an additional year beyond the U.S. manufacturer’s warranty (on eligible warranties of three years or less).
  • Complimentary three-month membership to DashPass from DoorDash, when you activate by March 31, 2022.
  • 5% cash back on Lyft rides through March 2022.

Best For Rotating bonus categories

Chase Freedom Flex℠

Chase Freedom Flex℠

Apply Now
on Chase's secure site
Intro Purchase APR 0% Intro APR on Purchases for 15 months
Annual Fee $0
Regular Purchase APR 14.99% - 23.74% Variable

The Chase Freedom Flex℠ lets cardholders 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases. Additionally, earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!

Like the Chase Freedom Unlimited®, the Chase Freedom Flex℠ offers a promotional 0% Intro APR on Purchases for 15 months, then a regular APR of 14.99% - 23.74% variable

There is also a 0% Intro APR on Balance Transfers for 15 months. After, the regular APR will be 14.99% - 23.74% variable. The balance transfer fee is either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days. Then, either $5 or 5% of the amount of each transfer, whichever is greater.

The card also charges a $0 annual fee.

If you want to earn a generous cashback rate in a variety of popular spending categories, the Chase Freedom Flex℠ could be a great fit. In addition to offering an accelerated cashback rate in ongoing categories, like travel, dining and drugstore purchases, cardholders earn a generous cashback rate in categories that rotate quarterly, like grocery stores and select streaming services.

Just know, you must activate the bonus category each quarter to earn the 5% cashback rate on those purchases. Also, the rate is capped at $1,500 in combined purchases each quarter.

  • Purchase protection of up to $500 per claim and $50,000 per account.
  • Extended warranty protection for an additional year beyond the U.S. manufacturer’s warranty.
  • Trip cancellation / interruption insurance of up to $1,500 per person and $6,000 per trip.
  • Cell phone protection of up to $600 per claim and $1,000 per year.
  • 24/7 fraud monitoring.
  • Auto rental collision damage waiver.
  • Travel and emergency assistance services.

The Chase Freedom Flex℠ lets cardholders 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! Plus, earn 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases. Additionally, earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!

Like the Chase Freedom Unlimited®, the Chase Freedom Flex℠ offers a promotional 0% Intro APR on Purchases for 15 months, then a regular APR of 14.99% - 23.74% variable

There is also a 0% Intro APR on Balance Transfers for 15 months. After, the regular APR will be 14.99% - 23.74% variable. The balance transfer fee is either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days. Then, either $5 or 5% of the amount of each transfer, whichever is greater.

The card also charges a $0 annual fee.

If you want to earn a generous cashback rate in a variety of popular spending categories, the Chase Freedom Flex℠ could be a great fit. In addition to offering an accelerated cashback rate in ongoing categories, like travel, dining and drugstore purchases, cardholders earn a generous cashback rate in categories that rotate quarterly, like grocery stores and select streaming services.

Just know, you must activate the bonus category each quarter to earn the 5% cashback rate on those purchases. Also, the rate is capped at $1,500 in combined purchases each quarter.

  • Purchase protection of up to $500 per claim and $50,000 per account.
  • Extended warranty protection for an additional year beyond the U.S. manufacturer’s warranty.
  • Trip cancellation / interruption insurance of up to $1,500 per person and $6,000 per trip.
  • Cell phone protection of up to $600 per claim and $1,000 per year.
  • 24/7 fraud monitoring.
  • Auto rental collision damage waiver.
  • Travel and emergency assistance services.

Best For Travel

Chase Sapphire Preferred<sup>®</sup> Card

Chase Sapphire Preferred® Card

Apply Now
on Chase's secure site
Intro Purchase APR N/A
Annual Fee $95
Regular Purchase APR 15.99% - 22.99% Variable

The Chase Sapphire Preferred® Card comes with the following sign-up bonus: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.

Plus, cardholders earn 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases.

In addition to redeeming Chase Ultimate Rewards® points for travel, cash, statement credits and more, Chase Sapphire Preferred® Card holders can transfer points to a variety of travel transfer partners at a rate of 1:1.

The Chase Sapphire Preferred® Card comes with an annual fee of $95. However, the value you can get from the card’s generous sign-up bonus more than covers that amount during the first year of card membership.

If you’re a student who has built up an excellent credit profile and wants to earn rewards to use toward future travel, the Chase Sapphire Preferred® Card is a great option.

Along with receiving a variety of travel protections, such as baggage delay insurance and trip delay reimbursement, the cardholders get 25% more value from their rewards when you redeem them for travel through Chase Ultimate Rewards.

Additional, the Chase Sapphire Preferred® Card charges $0 foreign transaction fees. This makes the card ideal if you’re planning a trip overseas, since you won’t incur fees using your card to make purchases outside of the U.S.

  • Baggage delay insurance, up to $100 per day for five days
  • Trip delay reimbursement, up to $500 per ticket.
  • Purchase protection on new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
  • Extended warranty protection for an additional year beyond the U.S. manufacturer’s warranty (on eligible warranties of three years or less).
  • Auto rental collision damage waiver to cover theft and collision damage for most cars in the U.S. and abroad.
  • Free and unlimited access to your credit score through Credit Journey.
  • Complimentary three-month membership to DashPass from DoorDash, when you activate by March 31, 2022.

The Chase Sapphire Preferred® Card comes with the following sign-up bonus: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.

Plus, cardholders earn 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases.

In addition to redeeming Chase Ultimate Rewards® points for travel, cash, statement credits and more, Chase Sapphire Preferred® Card holders can transfer points to a variety of travel transfer partners at a rate of 1:1.

The Chase Sapphire Preferred® Card comes with an annual fee of $95. However, the value you can get from the card’s generous sign-up bonus more than covers that amount during the first year of card membership.

If you’re a student who has built up an excellent credit profile and wants to earn rewards to use toward future travel, the Chase Sapphire Preferred® Card is a great option.

Along with receiving a variety of travel protections, such as baggage delay insurance and trip delay reimbursement, the cardholders get 25% more value from their rewards when you redeem them for travel through Chase Ultimate Rewards.

Additional, the Chase Sapphire Preferred® Card charges $0 foreign transaction fees. This makes the card ideal if you’re planning a trip overseas, since you won’t incur fees using your card to make purchases outside of the U.S.

  • Baggage delay insurance, up to $100 per day for five days
  • Trip delay reimbursement, up to $500 per ticket.
  • Purchase protection on new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account.
  • Extended warranty protection for an additional year beyond the U.S. manufacturer’s warranty (on eligible warranties of three years or less).
  • Auto rental collision damage waiver to cover theft and collision damage for most cars in the U.S. and abroad.
  • Free and unlimited access to your credit score through Credit Journey.
  • Complimentary three-month membership to DashPass from DoorDash, when you activate by March 31, 2022.

Best For Amazon purchases

Amazon Prime Rewards Visa Signature Card

Highlights
  • Only available to Amazon Prime members
  • Get a $150 Amazon Gift Card instantly upon approval.
  • 5% back at Amazon.com and Whole Foods Market
  • 2% back at restaurants, gas stations and drugstores
  • 1% back on all other purchases
  • No foreign transaction fees

The Amazon Prime Rewards Visa Signature Card lets cardholders earn 5% back at Amazon.com and Whole Foods Market with an eligible Prime membership, 2% back at restaurants, gas stations and drugstores and 1% back on all other purchases.. Plus, earn a get a $150 Amazon Gift Card instantly upon approval..

Rewards can be used to pay for all or part of your Amazon.com purchases. Rewards can also be redeemed for cash back, gift cards or travel, including flights, hotels, cruises and car rentals.

The Amazon Prime Rewards Visa Signature Card charges a $0 annual fee, but requires Amazon Prime membership.

If you regularly shop at Amazon.com and have an Amazon Prime membership, the Amazon Prime Rewards Visa Signature Card could be a good fit. Along with offering a generous rewards rate on Amazon purchases, the card comes with a solid cashback rate on everyday purchases, like restaurant and gas station purchases.

Just know, while the Amazon Prime Rewards Visa Signature Card comes with a $0 annual fee, it does require Amazon Prime membership, which costs $59 per year for college students or $119 per year for non-college students.

  • Contactless payments.
  • Foreign transaction fees: [coca name=’amazon-prime-rewards-visa-signature-card.Foreignexchangefee’ type=’cards’.
  • Travel and emergency assistane.
  • Lost luggage reimbursement.
  • Baggage delay insurance and travel accident insurance.
  • Auto rental collision damage waiver.
  • Roadside dispatch.
  • Purchase protection and extended warranty protection.
  • 24/7 Visa Signature Concierge service.

The Amazon Prime Rewards Visa Signature Card lets cardholders earn 5% back at Amazon.com and Whole Foods Market with an eligible Prime membership, 2% back at restaurants, gas stations and drugstores and 1% back on all other purchases.. Plus, earn a get a $150 Amazon Gift Card instantly upon approval..

Rewards can be used to pay for all or part of your Amazon.com purchases. Rewards can also be redeemed for cash back, gift cards or travel, including flights, hotels, cruises and car rentals.

The Amazon Prime Rewards Visa Signature Card charges a $0 annual fee, but requires Amazon Prime membership.

If you regularly shop at Amazon.com and have an Amazon Prime membership, the Amazon Prime Rewards Visa Signature Card could be a good fit. Along with offering a generous rewards rate on Amazon purchases, the card comes with a solid cashback rate on everyday purchases, like restaurant and gas station purchases.

Just know, while the Amazon Prime Rewards Visa Signature Card comes with a $0 annual fee, it does require Amazon Prime membership, which costs $59 per year for college students or $119 per year for non-college students.

  • Contactless payments.
  • Foreign transaction fees: [coca name=’amazon-prime-rewards-visa-signature-card.Foreignexchangefee’ type=’cards’.
  • Travel and emergency assistane.
  • Lost luggage reimbursement.
  • Baggage delay insurance and travel accident insurance.
  • Auto rental collision damage waiver.
  • Roadside dispatch.
  • Purchase protection and extended warranty protection.
  • 24/7 Visa Signature Concierge service.
The information related to the Amazon Prime Rewards Visa Signature Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best For Coffee lovers

Starbucks Rewards™ Visa® Card

Highlights
  • Up to 3 Stars for every $1 you spend in Starbucks® stores.
  • 1 Star for every $4 you spend outside of Starbucks® stores.
  • 4,500 Stars After you spend $500 on purchases in the first 3 months from account opening.
  • 250 Bonus Stars the first time you use your Starbucks Rewards™ Visa® Card to digitally load your registered Starbucks® Card in your App.
  • 8 Barista Picks curated just for cardmembers throughout the year.
  • Gold Status automatic upgrade when you sign up and are approved.

The Starbucks Rewards™ Visa® Card lets cardholders earn 4,500 Bonus Stars after spending $500 in the first 3 months of account opening. Plus, earn up to 3 Stars per $1 spent at Starbucks stores. Earn 1 Star per $2 spent at grocery stores, local transit and commuting, and on internet, cable and phone services. Earn 1 Star per $4 spent everywhere else.

Stars can be redeemed for food and beverages at participating Starbucks locations. Stars do not expire as long as your Starbucks Rewards™ Visa® Card account remains open, but if your account is closed for any reason, your rewards will expire six months after the calendar month in which it was closed.

The Starbucks Rewards™ Visa® Card comes with a $0 intro annual fee, then $49 after first year.

If you’re a Starbucks regular, the Starbucks Rewards™ Visa® Card  may provide a good opportunity to earn rewards on your coffee and food purchases, which can later be applied to future purchases.

That said, the Starbucks Rewards™ Visa® Card offers a very low rewards rate on purchases made outside of Starbucks stores. So if you only visit Starbucks occasionally, the card will not be worth the cost of the annual fee after the first year.

 

  • Auto rental collision damage waiver to cover theft and collision damage in most cars in the U.S. and abroad.
  • Extended warranty protection for an additional year beyond the U.S. manufacturer’s warranty.
  • Purchase protection for up to $500 per claim and $50,000 per account.
  • Travel and emergency assistance services.
  • Trip cancellation/trip interruption insurance up to $1,500 per person and $6,000 per trip.
  • Roadside emergency dispatch.

The Starbucks Rewards™ Visa® Card lets cardholders earn 4,500 Bonus Stars after spending $500 in the first 3 months of account opening. Plus, earn up to 3 Stars per $1 spent at Starbucks stores. Earn 1 Star per $2 spent at grocery stores, local transit and commuting, and on internet, cable and phone services. Earn 1 Star per $4 spent everywhere else.

Stars can be redeemed for food and beverages at participating Starbucks locations. Stars do not expire as long as your Starbucks Rewards™ Visa® Card account remains open, but if your account is closed for any reason, your rewards will expire six months after the calendar month in which it was closed.

The Starbucks Rewards™ Visa® Card comes with a $0 intro annual fee, then $49 after first year.

If you’re a Starbucks regular, the Starbucks Rewards™ Visa® Card  may provide a good opportunity to earn rewards on your coffee and food purchases, which can later be applied to future purchases.

That said, the Starbucks Rewards™ Visa® Card offers a very low rewards rate on purchases made outside of Starbucks stores. So if you only visit Starbucks occasionally, the card will not be worth the cost of the annual fee after the first year.

 

  • Auto rental collision damage waiver to cover theft and collision damage in most cars in the U.S. and abroad.
  • Extended warranty protection for an additional year beyond the U.S. manufacturer’s warranty.
  • Purchase protection for up to $500 per claim and $50,000 per account.
  • Travel and emergency assistance services.
  • Trip cancellation/trip interruption insurance up to $1,500 per person and $6,000 per trip.
  • Roadside emergency dispatch.
The information related to the Starbucks Rewards™ Visa® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Side-by-side comparison of the best Chase credit card for students

Credit cardBest forAnnual fee
Chase Freedom® Student credit cardOverall Chase student credit card$50 Bonus after first purchase made within the first 3 months from account opening$0
Chase Freedom Unlimited®Straightforward cashback rewardsEarn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.$0
Chase Freedom Flex℠Rotating bonus categoriesEarn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening!$0
Chase Sapphire Preferred® CardTravelEarn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.$95
Amazon Prime Rewards Visa Signature CardAmazon purchasesGet a $150 Amazon Gift Card instantly upon approval.$0
Starbucks Rewards™ Visa® CardCoffee loversEarn up to 3 Stars per $1 spent at Starbucks stores. Earn 1 Star per $2 spent at grocery stores, local transit and commuting, and on internet, cable and phone services. Earn 1 Star per $4 spent everywhere else.$0 intro annual fee, then $49 after first year

Methodology

To select the best student credit card from Chase, our credit card experts compared the top credit cards offered on Chase’s site and LendingTree.com.

Although Chase only offers one card specifically designed for students, we considered several other credit cards from the issuer that students may find appealing. We then chose our top picks primarily based on factors like rewards structures, introductory purchase APR offers, annual fees and more.

Other factors that come into play when making our selection may include the rewards value and benefits offered by the card, like travel insurance and extended warranty.

Which Chase student credit card is right for you?

Ultimately, the right Chase credit card for you depends on your credit profile. For example, if you’re just beginning your credit journey, the Chase Freedom® Student credit card would be a good start. But if you’ve already built up a strong credit score through responsible use of other cards, then it may be time to take a look at other Chase cards that offer better benefits and rewards programs.

Additionally, beware that Chase’s “5/24 rule” prevents you from being approved for a new Chase card if you have opened five personal credit cards (from any issuer) within the past 24 months.

FAQs about student credit cards

Your credit score will play a key role in important parts of your life. For example, having a good or exceptional credit score can help you get better rates on an auto loan or a mortgage. And some employers even check your credit before extending a job offer. In short, it pays to have great credit.

 

Length of credit history accounts for 15% of your FICO® Score, which is the scoring model lenders typically use when deciding whether or not to extend credit. So, the earlier you start building credit history, the better — and using a credit card responsibly is one way to do that. Just remember to always pay your card on time and never max it out.

As with any credit card, you must have a source of income to apply for a student credit card. However, if you aren’t employed full-time, you might still be able to get a credit card — for example, if you have income from work study or a part-time job, or if your parents provide you with an allowance on a regular basis.

Chase is one of the top credit card issuers for both travel cards and cashback cards. Establishing a relationship with Chase early on, for example by getting the Chase Freedom® Student credit card and using it responsibly, might increase your chances of success later in life if you decide to apply for one of the issuer’s more premium cards.

Tracy Brackman

Tracy joined LendingTree in June 2019 as a senior writer. She began working in the credit card space in 2009 as the editorial department manager for FlexOffers, an affiliate marketing company. She went on to work as product information manager for Bankrate, where she managed the financial and credit card product details for two affiliate networks, as well as Bankrate owned and operated sites. Prior to joining LendingTree, Tracy worked as products editor for CreditCards.com, where she developed the credit card products section and created content focused on breaking credit card news.

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The above offers and/or promotions may have since changed, expired, or is no longer available. Check the Issuers’ website for more details.