Best International Credit Card for Students – $0 Annual Fee

If you are a student and planning to study abroad or planning a foreign trip shortly, then you’ll need the Best International Credit Card for Students to manage your expenses. However, choosing a credit card can be overwhelming as there are many options available on the market.

The best credit cards for international students are easy to get for students with little or no credit history. If you are an international student or planning to study abroad, you can get a card that’s right for you.

The best student credit card has low to no annual fees and offers you rewards and benefits while saving you money on different types of expenses. Plus, if you’re planning a foreign trip then these credit cards will save you money on foreign transaction fees.

But confused about which card to choose. We’ve covered some of the best international credit cards for students keeping in mind affordability, rewards, and credit requirements.

Best International Credit Card for Students

Credit CardAnnual FeeRegular APRBest for
Capital One SavorOne Student Cash Rewards Credit Card$019.99% – 29.99% (variable)Cash Rewards
Bank of America Travel Rewards Student Credit Card$018.24% – 28.24% (Variable)International Travel
Discover it® Student Cash Back$018.24% – 27.24% (Variable)Cashback
Capital One Quicksilver Student Cash Rewards Credit Card$019.99% – 29.99% (variable)Cashback
Discover it® Student Chrome$018.24% – 27.24% (Variable)First-year bonus

Explore the Best Credit Cards for International Students

1. Capital One SavorOne Student Cash Rewards Credit Card: Best overall student Credit Card

Capital One SavorOne Student Cash Rewards Credit Card

Capital One SavorOne Student Cash Rewards Credit Card is a perfect credit card for students to earn cash back on all purchases. Earn 3% cash back on dining, entertainment, popular streaming services, and grocery stores at 0$ annual fee. Plus, you’ll earn a $50 cash bonus. Also, get 8% cash back on Capital One Entertainment purchases and 1% on other purchases.

SavorOnde Student Credit Card doesn’t charge foreign transaction fees. This credit card is a good choice if you don’t want to pay annual fees and foreign transaction fees. You’ll get $200 as the welcome bonus, which is good enough for a $0 annual fee credit card.

Annual Fee: $0.

Welcome Bonus: $200.

Credit Score: Good.

Why Choose this Credit Card: The Capital One SavorOne Student Cash Rewards Credit Card is a perfect credit card for foodies and entertainment lovers with a tight budget. The credit card cashback benefits are so rich with a $200 welcome bonus. Enjoy 3% cash back on dining, entertainment, popular streaming services & grocery stores.

Key Benefits

  • Earn a $200 cash bonus if you spend $500 on purchases within the first 3 months from the credit card activation.
  • Enjoy unlimited 3% cash back on dining, entertainment, popular streaming services, and grocery stores (excluding superstores like Walmart® and Target®), and 1% cash back on all other purchases.
  • Enjoy 8% cash back on Capital One Entertainment Services.
  • Enjoy unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.
  • Get 10% cash back on Uber and Uber Eats.
  • The reward points you earned will never expire. Redeem your reward points for cash back at any time.
  • $200 welcome bonus
  • 3% unlimited cashback on dining, entertainment, and grocery stores.
  • No annual fee, and no foreign transaction fee.
  • High regular APR.
  • Balance transfer charges.
  • Limited cashback category.

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2. Bank of America Travel Rewards Student Credit Card: Best for Travel

Bank of America Travel Rewards Student Credit Card

The Bank of American Travel Rewards Credit Card for Students is a great travel reward credit card that offers a welcome bonus of 25,000 online bonus after you spend $1,000 on purchases within the first 3 months of card activation.

You earn unlimited 1.5 points for every $1 spent on all purchases. That’s a great reward rate for a student card. As a student, you can use these reward points to pay for airfare, hotels, or rental cars. This credit card has no annual fee and no foreign transaction fee, which makes it a great choice for students and frequent travelers.

Annual fee: $0.

Welcome Bonus: Get 25,000 online bonus points, if you spend $1,000 within the first 3 months of the card activation.

Credit Score: Excellent/Good

Why choose this credit card: The Bank of America® Travel Rewards credit card for Students is a good choice to earn travel rewards. This travel reward credit card offers 1.5 points for every $1 spent on purchases for $0 annual fees. You earn 25,000 online bonus points as a welcome bonus if you spend $1,000 within the first 3 months of card activation. Also, you’ll get 0% intro APR for the first 15 billing cycles.

Key Benefits

  • Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time with no limits.
  • Earn 25,000 online bonus points if you spend $1,000 in the first 3 months of account opening. The reward points can be redeemed for $250 statements correct for travel and dining purchases.
  • Get 0% appear for your first billing cycles for all types of purchases, after the intro offer ends a variable annual APR of 18.24% to 28.24% will be charged.
  • You can redeem points for statement credit to pay for travel and dining purchases such as flights, hotel stays, car rentals, vacations, and restaurants.
  • This is a contactless credit card. Wherever you see the contactless symbol just simply tap to pay and make a purchase, quickly, easily, and securely.

Balance transfer fee
High regular APR
Requires excellent credit

  • No annual fees, and foreign transaction fees.
  • Unlimited 1.5 points for $1 spent.
  • Welcome bonus of 25,000 online points.
  • 0% intro ARP for the first 15 billing cycles.
  • Contactless credit card.
  • Balance transfer fee.
  • Require high credit score.

3. Discover it® Student Cash Back: Best for bonus categories

Discover it® Student Cash Back

The Discover it® Student Cash Back is a good choice for students who want to get more rewards and cashback on expenses. This credit card has no annual fee or foreign transaction fee, so you can use this card abroad without being penalized.

The credit card offers 5% cash back on everyday expenses at different places like grocery shops, restaurants, gas stations, and much more. Also, you and 1% cash back cash back on all other purchases.

You get an unlimited match of all the cash back you and the end of the first year and dear is no limit on how much cash back will be mtched. You can turn $50 cashback into $100 and so on. This is still one of the best and most valuable student credit cards.

Annual Fee: $0.

Welcome Bonus: None.

Credit score: Limited history.

Why Choose this Credit Card: The Discover it® Student Cash Back card is a good choice for those students who have a limited credit history. You earn 5% cash back on everyday purchases up to $1,500 per quarter in bonus categories and 1% on all other purchases. The Discover also doubles the 1st year rewards earnings after the first account anniversary.

Key Benefits

  • No annual fee.
  • Enjoy 5% cashback on everyday purchases like grocery stores, restaurants, gas stations, and more.
  • Enjoy 1% unlimited cashback on all other purchases.
  • Get an Unlimited Cashback match from Discover. Discover will automatically match all the cashback you have earned. You could turn $50 cash back into $100 and so on.
  • You can redeem your reward points for cash at any time. Other than this, you can use your rewards to shop for everything you need on Amazon.com.
  • A limited credit score is required to apply.
  • 0% intro APR for 6 months. After that, a variable APR of 18.24% – 27.24% applies.
  • No annual fees or foreign transaction fees.
  • 0% intro APR for 6 months.
  • 5% cashback on everyday purchases.
  • 1% cashback on all other purchases.
  • Rewards get doubled in the first year.
  • No welcome bonus.
  • High regular APR.

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4. Capital One Quicksilver Student Cash Rewards Credit Card: Best for bonus categories

Capital One Quicksilver Student Cash Rewards Credit Card

The Capital One Quicksilver Student Cash Rewards Credit Card offers sound benefits on various categories. If you’re a student and want to earn good rewards on everything you buy, then the Capital One Quicksilver Student Cash Rewards Credit Card could be a great choice for you.

You earn unlimited 1.5% cash back on every purchase, every day. Plus, you get a $50 cash bonus as a welcome bonus. This card has no annual fee, making it a perfect choice for students. The card offers some extra benefits like 10% cash back on purchases made with Uber & Uber Eats through 11/14/2024, and unlimited 5% cash back on hotels and rental cars booked through Capital One Travel.

This card is ideal for students as it offers a flat reward rate, so students who spend abroad will find great value in this credit card.

Annual fee: 0$

Welcome bonus: You earn a cash bonus of $50 after you spend $100 on purchases within 3 months of the account opening.

Credit Score: Good.

Why choose this credit card: The Capital One Quicksilver Cash Rewards Credit Card is a great pick to earn reward points on everyday spending categories. You get 1.5% unlimited cashback on every purchase. The $0 annual fee and no foreign transaction fee this a great choice for students.

Key Benefits

  • No annual fee.
  • No foreign transaction fee.
  • Enjoy unlimited 1.5% cash back on every purchase, every day.
  • Get a $50 cash bonus as a welcome bonus after you spend $100 in the first 3 months of account opening.
  • Enjoy 10% cash back on purchases on Uber and Uber Eats.
  • Experience events music, sports, and dining with this credit card.
  • Enjoy 5% cashback on hotels and car rentals booked through Capital One Travel.
  • Redeem your reward points for cash back at any time.
  • You can build your credit history.
  • Travel accident insurance.
  • In case your card is stolen, enjoy $0 fraud liability so that you will not be responsible for unauthorized charges.
  • $50 as the welcome bonus.
  • 1.5% unlimited cashback on everyday purchases.
  • No annual fee or foreign transaction fee.
  • Enjoy 0% intro APR on purchases and balance transfers.
  • High annual APR.
  • Requires good credit history.

5. Discover it® Student Chrome

Discover it® Student Chrome

The Discover it® Student Chrome is a great choice for college students to build their credit history while earning rewards. You earn a 2% cash back bonus at Gas Stations and Restaurants on up to $1,000 spent in each quarter. Plus, earn 1% unlimited cashback on all other purchases.

You also get 0% intro APR for 6 months with a $0 annual fee. By looking at the benefits, this credit card can be a great choice for students to earn some cashback and rewards while earning some reward points.

Annual Fee: $0.

Welcome Bonus: None.

Credit score: Limited History.

Why choose this credit card: The Discover it® Student Chrome is a very appealing credit card for students studying abroad. The card offers 2% cash back at gas stations and restaurants on up to $1,000 spent in each quarter and 1% cash back on all other purchases. This credit card allows you to build your credit score while earning rewards.

Key Benefits

  • Get an unlimited cashback match offer you earned at the end of the first year. So you could convert $50 cash back into $100 and so on. March dollar to dollar.
  • Enjoy 2% cash back at gas stations and restaurants on up to $1,000 in each quarter.
  • Get 1% cashback on all other purchases.
  • You can redeem your reward points for cash at any time.
  • No credit score or limited credit history is required.
  • Enjoy 0% intro APR for 6 months. After that a variable of 18.24% – 27.24% will apply.
  • You can build your credit score with responsible use.
  • No annual or foreign transaction fee.
  • 0% intro for 6 months.
  • 2% cash back on gas stations and restaurants.
  • 1% cash back on all other purchases.
  • Benefits on bonus categories.
  • No welcome bonus.
  • Balance transfer fee.

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What is a Student Credit Card?

Student credit card is similar to other credit cards, but specially designed for college or university students who have limited or no credit history at all. Their approval criteria are often more relaxed than the unsecured credit cards. The student credit card comes with a low to $0 annual fee.

Student cards also have a reward structure and offer decent cashback benefits that fit into a student’s budget. These cards offer decent welcome bonuses, rewards, and cashback on categories like dining, entertainment, streaming services, gas stations, restaurants, etc.

What to consider while choosing a student credit card?

While choosing a credit card for you, always look for these criteria to help you choose the best credit card if you are going abroad.

Welcome Bonus

Always try to get a card that offers a welcome bonus. This bonus can be a great way to meet your minimum spending criteria to earn a bonus on your new credit card.

Reward Points & Cashback

Each credit card offers rewards and cashback on various categories you spend and this is how a credit card works. Student credit cards also offer rewards and cashback on various categories like dining, entertainment, gas stations, restaurants, etc. So look for this also.

Foreign Transaction Fee

This is one of the most important factors that should be kept in mind while choosing a student credit card. Having a credit card with no foreign transaction fee can be a blessing for you. This is the easiest way to save money while you are abroad.

Travel Protection

Look for a credit card that comes with travel protections and insurance that covers you when something goes wrong. Make sure you are protected against travel delays, cancellations, and other mishaps.

Bottom Line

There are so many options available for student credit cards to choose from and choosing one can be tricky. While choosing a student credit card for travel or to study abroad, always consider all the possibilities that come with spending money internationally. If you choose a good credit card then you’ll be able to offset some costs for flights, hotels, gas stations, restaurants, etc.

Organize your finances early and choose a credit card that fits your needs.

FAQs

Which are the Best International Credit Card for Students?

1. Capital One SavorOne Student Cash Rewards Credit Card
2. Bank of America Travel Rewards Student Credit Card
3. Discover it® Student Cash Back
4. Capital One Quicksilver Student Cash Rewards Credit Card
5. Discover it® Student Chrome

Which credit card is best for international students?

Capital One SavorOne Student Cash Rewards Credit Card is a perfect credit card for students to earn cash back on all purchases. This is the best overall credit card for students.

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