CardRewardsEditorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: May 2026.
Cards tailored for students — ranked by real value across 376+ cards.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Citi
All 10 cards ranked by effective value per dollar.
| Card | Dining Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Citi Custom Cash CardCiti | 5% cash back | 3.8¢/$ | $0 | — | mastercard |
| American Express Gold CardAmex | 4x Membership Rewards | 4.0¢/$ | $325 | — | amex |
| Capital One Venture X Rewards Credit CardCapital One | 2x Venture Miles | 3.7¢/$ | $395 | — | visa |
| Wyndham Rewards Earner Plus CardBarclays | 6x Wyndham Rewards | 3.4¢/$ | $75 | $0.48 | visa |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →Cards tailored for students — ranked by real value across 376+ cards.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Citi
All 10 cards ranked by effective value per dollar.
| Card | Dining Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Citi Custom Cash CardCiti | 5% cash back | 3.8¢/$ | $0 | — | mastercard |
| American Express Gold CardAmex | 4x Membership Rewards | 4.0¢/$ | $325 | — | amex |
| Capital One Venture X Rewards Credit CardCapital One | 2x Venture Miles | 3.7¢/$ | $395 | — | visa |
| Wyndham Rewards Earner Plus CardBarclays | 6x Wyndham Rewards | 3.4¢/$ | $75 | $0.48 | visa |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →Cards tailored for students — ranked by real value across 376+ cards.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Citi
All 10 cards ranked by effective value per dollar.
| Card | Dining Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Citi Custom Cash CardCiti | 5% cash back | 3.8¢/$ | $0 | — | mastercard |
| American Express Gold CardAmex | 4x Membership Rewards | 4.0¢/$ | $325 | — | amex |
| Capital One Venture X Rewards Credit CardCapital One | 2x Venture Miles | 3.7¢/$ | $395 | — | visa |
| Wyndham Rewards Earner Plus CardBarclays | 6x Wyndham Rewards | 3.4¢/$ | $75 | $0.48 | visa |
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →
Amex
Capital One
| Bilt Obsidian CardCardless | 3x Bilt Rewards | 3.3¢/$ | $95 | $3 | mastercard |
| Citi Strata Premier CardCiti | 3x ThankYou Points | 3.4¢/$ | $95 | — | mastercard |
| Verizon Visa CardSynchrony | 4% cash back | 3.0¢/$ | $0 | $0.48 | visa |
| BMO Premium Rewards Mastercard®Bmo | 4x points | 3.0¢/$ | $95 | — | mastercard |
| Bank of America Customized Cash Rewards Credit CardBank Of America | 3x Bank Of America Points | 2.8¢/$ | $0 | — | visa |
| Wyndham Rewards Earner CardBarclays | 5x Wyndham Rewards | 2.1¢/$ | $0 | $0.48 | visa |
Amex
Capital One
| Bilt Obsidian CardCardless | 3x Bilt Rewards | 3.3¢/$ | $95 | $3 | mastercard |
| Citi Strata Premier CardCiti | 3x ThankYou Points | 3.4¢/$ | $95 | — | mastercard |
| Verizon Visa CardSynchrony | 4% cash back | 3.0¢/$ | $0 | $0.48 | visa |
| BMO Premium Rewards Mastercard®Bmo | 4x points | 3.0¢/$ | $95 | — | mastercard |
| Bank of America Customized Cash Rewards Credit CardBank Of America | 3x Bank Of America Points | 2.8¢/$ | $0 | — | visa |
| Wyndham Rewards Earner CardBarclays | 5x Wyndham Rewards | 2.1¢/$ | $0 | $0.48 | visa |
Amex
Capital One
| Bilt Obsidian CardCardless | 3x Bilt Rewards | 3.3¢/$ | $95 | $3 | mastercard |
| Citi Strata Premier CardCiti | 3x ThankYou Points | 3.4¢/$ | $95 | — | mastercard |
| Verizon Visa CardSynchrony | 4% cash back | 3.0¢/$ | $0 | $0.48 | visa |
| BMO Premium Rewards Mastercard®Bmo | 4x points | 3.0¢/$ | $95 | — | mastercard |
| Bank of America Customized Cash Rewards Credit CardBank Of America | 3x Bank Of America Points | 2.8¢/$ | $0 | — | visa |
| Wyndham Rewards Earner CardBarclays | 5x Wyndham Rewards | 2.1¢/$ | $0 | $0.48 | visa |