Student Starter Card

The Student Starter Card is designed specifically for college students and young adults with no credit history. While the 1% cashback rate is modest, the real value is in building your credit profile. On-time payments are reported to all three credit bureaus, establishing the credit history you'll need for better cards, car loans, and apartment applications later. The free credit score monitoring lets you track your progress. Nova Bank's approval process is specifically designed for thin-file applicants (those with little or no credit history). Start here, use it responsibly for 12-18 months, and you'll qualify for significantly better rewards cards. The $50 instant bonus for just making one purchase is a nice touch.