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5 Best Credit Cards for College Students

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Find the Best Credit Cards for College Expenses In 2015   

Trying to find the best credit cards for college can be difficult.  There are so many choices available for students the choices can often be overwhelming.  For those just starting their credit finding the best credit cards for college can be confusing.  Below are the five best credit cards for college students with a breakdown of how they can benefit your credit history.

 

Journey® Student Rewards From Capital One®

Journey makes the list for best credit cards for college students for its great offers and credit improving benefits. It is the only student credit card that Capital One offers.

  • Earn 1% cash back on all purchases (no limit set)
  • No annual fees.
  • Pay your bills on time and receive a 1.25% cash back (that is 25% cash reward on all cash back you earned each month).
  • Rewards don’t expire.
  • Receive a higher credit line after making 5 monthly payments on time.
  • Fraud coverage for lost or stolen credit cards.
  • Free access to your monthly credit score via Capital One Credit Tracker.
  • Offers automatic redemption’s.

 

Discover it® for Students – Double Cash Back your first year

Discover is a leading credit card company for its great customer service.  Charming personalities is not the only reason Discover has made the list.  This card is truly one of the best credit cards for college students as it is tailored to fit a student’s financial needs.

  • No Foreign Transaction Fees.
  • No annual Fee.
  • Earn 5% cash back on rotating quarterly categories ($1500 limit each quarter).
  • Earn 1% cash back on all other purchases.
  • Earn double the cash back received at the end of the first year of membership.
  • Receive 5%-20% cash back by shopping on Discover’s online shopping portal.
  • 99% introductory APR on balance transfers for the first 6 months of membership.
  • Free text alerts for payment reminders.
  • Free FICO score each month.
  • Free Freeze It on/off switch via mobile app. (to freeze and unfreeze your account activity).

 

Upromise World MasterCard®

Upromise already has a reputation for college savings.  Now they offer a credit card just for college students to help save even more money.  This is why Upromise World MasterCard is one of the best credit cards for college students.

  • No annual fee.
  • Earn 5% or more cash back when shopping through participating online merchants using Upromise. Top it off by using your Upromise World MasterCard to pay for your purchase and receive an additional 5% cash back.  (That equals 10% cash back just for shopping online with participating merchants).
  • Earn 2% cash back on all movie theater purchases and in-store department store purchases.
  • Earn 1% cash back on all other purchase.
  • No limits to the amount of cash back you can earn.
  • 0% introductory APR for the first 15 months of any balance transfers made within 45 days of membership.
  • Receive $25 cash after your first purchase with the card.

 

Citi ThankYou® Preferred Card for College Students

The Citi ThankYou Preferred Card may not offer the best rewards, but it is still one of the best credit cards for college students.  This is especially true if this will be your first credit card.  The rewards are low, but the potential for building great credit just can’t be passed up.

  • No annual fee.
  • Points don’t expire.
  • Earn 2 points on all dining and entertainment purchases (No limit set).
  • Earn 1 point on all other purchases (No limit set).
  • Receive 2500 points for spending $500 in the first 3 months of membership.
  • 0% introductory APR for the first 7 months on all purchases.

 

Discover it® Chrome for Students – Double Cash Back your first year

Discover It Chrome for Students is much like its sister card mentioned previously, but it is the newest credit card in the Discover line.  This card offers a few extra bonus that its sister does not making this another of the best credit cards for college students.

  • No annual fee.
  • No Foreign Transaction fee.
  • Earn 2% cash back on gas and restaurant purchases. (limit of $1000 each quarter).
  • Earn 1% cash back on all other purchases.
  • Earn double the cash back received at the end of the first year of membership.
  • Earn 5%-10% cash back on all purchases through Discover’s online shopping portal (over 200 participating retailers online).
  • Rewards never expire.
  • Receive a free FICO score each month.
  • 0% introductory APR on all purchases the first 6 months of membership.
  • 99% introductory APR on balance transfers the first 6 months of membership.
  • Free Freeze It on/off switch via mobile app. (to freeze and unfreeze your account activity).

 

Related Links

What are Rewards Credit Cards?

Credit report: What information does it store?

Best Credit Cards for Students in 2015

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