Find your Capital One student card

You must be at least 18 years of age and a student to qualify for student credit cards.

A student is anyone currently enrolled, or admitted and planning to enroll in the next three months, at an accredited university, community college or other higher education institution.

Student credit cards can be used the same way as other traditional credit cards. When used responsibly, a student credit card could help you build credit. Capital One student cards also come with student-friendly perks, like cash back.

If you use your card responsibly—by doing things like making on-time payments and staying below your credit limit—a student credit card can help you establish good credit habits and build credit history while in college.

There are a few simple steps you can take to find a card that fits your lifestyle and needs.


1. Focus on features:

Think about the features you want in a credit card. You can look for things like a $0 annual fee, cash back and more.



Also, check whether a credit card issuer reports to credit bureaus. Capital One reports to the three major credit bureaus, so making payments on time, every time, and keeping credit utilization low may help you build credit over time.


2. Consider the cost:

Some credit cards charge an annual fee, but other cards may have money-saving features, like no annual fee, no hidden fees and no foreign transaction fees.


3. Check your eligibility: 

Before you apply for a credit card, consider getting pre-approved to see which cards you qualify for.



Capital One pre-approval is quick, easy, and won’t hurt your credit score. You don’t need a credit score to apply, though we may use credit scores where available.

Your Capital One student credit card stays with you—even after you graduate. You can still enjoy all the rewards and benefits your Capital One student credit card has to offer.