At a glance
Annual Fee
$0
Rewards Rate
3% on dining & streaming · 1% other
Welcome Bonus
$50 after first purchase
Intro APR
0% for 6 months
Regular APR
16.99% – 25.99% Variable
Recommended Credit
Fair
Pros & cons
Pros
- Designed to build credit fast
- No annual fee, no foreign transaction fees
- Cash back on student-relevant spend
- Free credit score & financial coaching
Cons
- Lower credit limits to start
- Shorter 0% intro period
Who it's best for
College students building credit responsibly for the first time.
How we rated this card
The BW Student Start earned a 4.4 / 5.0 from BW editors. We weight rewards value (40%), fees (20%), APR & terms (20%), and cardholder benefits (20%). Our reviews are independent — issuers don't pay for ratings or placements.