Best Credit Cards for College Students

Best Credit Cards for College Students

It is important for students to have a credit card because good cards help them to build a positive credit history. If you are a student and wish to build a good credit history, just apply for a card that reports your payment to one or all the customer’s credit bureaus. And try making early and complete payments.

The best credit cards for the student are those cards that have a good APR, low fees and perk that are attractive to college students. Some of this credit card gives cash back for purchases made at groceries, gas, dining out and other purchases. We have some of those cards here.

The credit cards designed for students comes with low fees, good APR, and rewards that are great for college students. Some of these cards have cash back programs that rewards spending made on gas, groceries, dining out, and other routine purchases. Heres a look at some of the best options on the market today.

Journey Student Rewards from Capital One

The Journey® Student Rewards from Capital One® is a decent card for a student who has good credit. This is a card that has low fees and gives penchant for cash back rewards. With this card, you can get 1% cash back for all purchases and receive 0.25% cash back bonus every month for early payment. It is interesting to know that you can restore your credit card reward as a check, any time in any account of your choice or as a statement credit.

Also, your credit line can be automatically increased after 5 months of early payment, minimal fees, and perks that come with the Capital One Credit Wise feature.

Rewards and Restoration: you can be given 1% cash back for all qualified purchases. 0.25% cash back will be given to you if you pay your statement balance early. Your accumulated cash back can be restored in any amount, whenever you wish to. Also, your reward balance can be restored at $25, $50, $100, or $200 or on a predetermined date.

Best Credit Cards for College Students

Required fee for The Best Credit Cards for College Students

It has a cash advance of $10 or 3%, whichever is higher.

This card has no annual fee.

It has no introductory APR.

It demands no foreign transaction fee.

Here are other perks: According to the hypothetical financial actions and events, you can predict changes in your credit score and debt load.

For more information, on this credit card, read our review on Capital One Journey Student Rewards Card.

Citi Rewards+? Student Card

The Citi Rewards+? Student Card is a card for students that make purchases at groceries and gas stations. As they will be given 2 points at gas stations and supermarket, this is a card that comes with no annual or foreign transaction fees. With this card, customers can get 2500 bonus if they are able to make purchases of at least $500 in the first 3 months of account opening.

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Students who spend extremely at groceries and gas stations, that is using points rounded up to the nearest 10 for each purchase and the first 100,000 points restored every year is increased to 10% bonus.

You will be given 2,500 bonuses, if you are able to make purchases of at least $500 within your first 3 months of opening this account, like sign up bonus. And it can be restored for a $25 gift card.

Furthermore, for making eligible purchases of up to $6,000 in joint category spending for a year at supermarket and gas stations you will be given 2 points. And for other purchases, you will be given 1 point. For each purchase, this card rounds up to the nearest 10-point augmentation {example; a 46- point purchase becomes a 50-point purchase} with a 10% increase for the first 100,000 points restored.

Other features of the Citi Rewards Student credit card are:

Its customer will have to pay no annual or foreign transaction fee.

Also, you will pay no purchase APR for the first 7 months after account opening.

Wells Fargo Cash Back College Card.

This is a student-friendly cash back card that gives the most interesting reward on this list. Once you are being given this card will pay no APR on qualified purchases for 12 months after opening your account. And for 6 months, you will get 3% cash back for grocery, gas and drugstore purchases, and 1% cash back for all other purchases.

Also, you will be given an unlimited 1% cash back for other purchases when the introductory period must have expired.

You can see that this card has the highest free introductory APR in this list yet demand no sign -up bonus. These cash back reward can be restored for a paper check, statement credit and items like entertainment and travel, which is at $0.01-per-point rate. In addition, there will be a $25 increase on cash redemption.

Other features are for The Best Credit Cards for College Students

This credit card has no annual fee.

You will have to pay no purchase APR for 12 months.

You can get more features if you visit the homepage of this credit card.

State Farm Student Visa

This is a reward card from State Farm that helps you to reduce your premiums costs by making a purchase, for your auto and renters insurance policies. However, this credit card does not have any sign-up bonus.

With this card, you will get 3 points for each dollar spent on insurance premium worth $4,000 per annum.

Also, you will get 1 point for $2 spent on other net purchases. It has no sign-up bonus, annual fee, and introductory APR. But you are to pay:

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A foreign transaction fee, worth 3% of the total transaction amount.

Cash advance of $10 or 5%.

And balance transfer of $10 or 3%.

Finally, this card comes with Visa-backed benefit like free loss and damage coverage on rental cars completed with this card.

Capital One Secured Master card

The Capital One® Secured Master card is a good card for a student with poor or spotty credit and it comes with the value-added benefits of Capital One which enables students to supervise and increase their credit over time.

Though it has no reward, demands no annual and foreign transaction fees. This card can help you in increasing your credit limit without you paying an additional deposit.

Based on your credit score, you can be given a credit limit of $200 to $1,000 but, you are to make a cash deposit of $49, $99, or $200. Yes! This cash deposit is important if you wish to use your card.

Capital One can increase your credit limit without asking for an additional deposit when you make your payment early and complete. So, making a payment on your credit card is important and its fees are not that bad.

Other features of this credit card for The Best Credit Cards for College Students

  • You will have to pay no introductory APR while using this credit card.
  • It comes with Capital One Credit Wise.
  • This card has no foreign transaction fee and annual fee.
  • It has a cash advance of $10 or 3%.
  • It has no early spent bonus.
  • Finally, it comes with no reward program.

Citi Secured Master card

This is a credit card for students with poor or spotty credit and helps them in increasing their credit. This card has; no annual fee, a decent APR and fees but, a high credit limit. Due to the fact that this card reports your credit to the three major credit bureau, I must say is a nice card. Surprisingly, your credit score will be increased when you make timely payments.

Note that before using this credit card you are to make a payment of $200 to $2,500. This is so because the deposit is equal to your credit limit and as such, it can be credited against your purchases.

In addition, your deposit can be returned and you will continue using it as a normal credit card if you make early payment for 18 months.

Other features of this credit card for The Best Credit Cards for College Students

No foreign transaction or annual fee is required.

It comes with no reward.

This card comes with no sign -up bonus.

It is similar to the Citi Rewards+ Student Cards and the Citi Private Pass.

This card requires introductory APR.


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