Student Credit Cards

Student Credit Cards

Best Student Credit Cards

Did you know with a student credit card you can begin to start building good credit. You can choose from specifically designed credit cards for students.  The main companies that offer the best student cards are:  Citi Bank, Capital One, Chase, Discover,  and Bank of America.

With many of these credit cards you can start earning rewards designed for students.  There are many options like Cashback rewards for college students and Student Visa Credit Cards. If you keep your GPA at a 3.0 or higher you may be able to earn special rewards once a year. When you apply and get accepted for a  student card, you can earn points towards rewards on all purchases with no annual fee.

Best Student Credit Cards

Here are some of the best things a Student Credit Card offers.

Every college student should sign up for a credit card. There are many easy online applications for credit cards.
First, what you need to do is compare all credit card offers given to students to determine which credit card is good for you. It is extremely important that you learn how to manage your account if you do apply for a credit card. If you are not responsible you could be one of the people who end up in credit card debt. Learn to manage and budget your account.

There are many advantages in obtaining a credit card.

  1. Establish Credit – This is very important. Establishing your credit helps you obtain a credit rating. Having a good credit rating helps in your future. For example, if you want to get a loan for personal or business reasons, get a mortgage, finance or lease a vehicle or to apply for more credit cards you must have good credit. Obtaining a credit card will help you establish credit history.
  2. Cash Flow – If you are need to get money in a hurry you can take a cash advance on your credit card. But remember be responsible and pay it off as soon as you can.
  3. Convenience– Sometimes credit cards are essential. If you shop online, book online flights or need to rent a car, companies usually ask for your credit card. A credit card is an important piece of identification. And most importantly, major credit cards are accepted all over the world which is sometimes better to carry when traveling instead of cash. 4. Emergencies- Credit Cards are great to have in an emergency situation. If you are out of money and you desperately need access to cash, you can always count on a credit card to bail you out (that is if you have not gone over your limit).

There are many student credit card offers available online. Here are a few: Discover® Student Platinum Card, Discover® Student Tropical Beach Card, Discover® Student Clear Card.

Applying online is simple and easy! You could receive a credit result in as little as 15 minutes. Before starting, we recommend you have the following information handy:

Students who get at least a 3.0 GPA (or equivalent) qualify for a one-time cash reward of 1% of the loan amount on each new Discover student loan. Reward redemption period is limited.
If you are looking for a graduate credit program then the Discover company has an option for you to continue your studies.


If you are looking for a American Express student credit card then you need to keep some things in mind. This card is best targeted to someone with excellent credit, which basically means Amex student credit cards are typically not available to young people without the established credit history.

If you’ve had your own credit card for at least five years and you’re a grad student this might put you in the best position to get approved for a Blue Cash Everyday® Card from American Express .

For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at

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