Introduction
Most students applying for their first credit card have little or no credit history. Fortunately, banks now offer cards specifically designed for beginners. These cards focus on easy approval, low fees, and credit-building tools so students can begin their financial journey without stress.
This article covers the best student credit cards requiring no credit history, perfect for first-time users.
1. What Students Should Look for When They Have No Credit
Before applying, make sure the card offers:
1.1 Easy Approval
Look for cards accepting:
- No credit
- Thin credit files
- Limited income
1.2 No Annual Fees
Starting out, you should avoid paying unnecessary fees.
1.3 Reporting to All Major Bureaus
A beginner card must report to help build a credit file.
1.4 Simple Terms
Beginners benefit from straightforward rewards and policies.
1.5 Credit Limit Increases
Growing your limit helps your credit score improve faster.
2. Best Student Credit Cards Requiring No Credit in 2025
2.1 Petal® 2 “Cash Back, No Fees” Visa® Card
Best overall for students with no credit
This unique card uses alternative data, not just credit history.
Key Features
- 1%–1.5% cashback
- No annual fee
- No late fees
- Higher-than-average credit limits
Why It’s Ideal
Perfect for students with zero credit history, and it’s one of the few cards with absolutely no fees.
2.2 Capital One Quicksilver Student Cash Rewards Card
Best for easy approval with rewards
Key Features
- 1.5% unlimited cashback
- No annual fee
- No foreign transaction fees
- Credit line increases possible
Why It’s Ideal
Easy to get approved, and high enough rewards make it valuable long-term.
2.3 Capital One Platinum Secured Credit Card
Best secured card for guaranteed approval
A secured card works by requiring a deposit, but it’s excellent for students who want fast credit growth.
Key Features
- Refundable deposit
- Credit line increases available
- No annual fee
Why It’s Ideal
Even students with no income or limited credit history can often qualify.
2.4 Discover it® Secured Credit Card
Best secured card with rewards
Key Features
- 2% cashback at gas stations and restaurants
- 1% cashback everywhere else
- Upgrade path to an unsecured card
- No annual fee
Why It’s Ideal
It’s rare for secured cards to offer rewards—this one stands out.
2.5 Chase Freedom® Rise
Best for new credit builders under Chase
Designed for newcomers, not just students.
Key Features
- Approval possible even with no credit
- Automatic $25 rewards for setting up auto-pay
- Path to Chase’s premium cards later
Why It’s Ideal
Perfect for building a relationship with Chase early.
3. Tips for Students With No Credit to Get Approved
- Apply for only one card at a time
- Make sure income (even part-time) is listed correctly
- Become an authorized user on a parent’s card for extra support
- Start with secured cards if denied for unsecured options
Conclusion
Students with no credit have more options in 2025 than ever before. Cards like the Petal 2, Capital One Quicksilver Student, and Discover it Secured make it easier to start building credit with minimal risk and maximum potential.