Choosing the best credit cards in USA for students can take time and effort. With so many options available, knowing which is best for you can take a lot of work.
Fortunately, there are a few key things to consider when selecting a credit card for students. These include the rewards and perks offered, the annual fees and interest rates, and the length of the card.
With this information in mind, finding the best credit card for your needs is more effortless.
Best Credit Cards in USA for Students
Discover it Student Cash Back Card
The Discover it Student Cash Back Card, one of the best credit cards in USA for students, is a student credit card designed to help students build credit and earn rewards.
This card offers 1% cash back on all purchases and 5% cash back on select categories that rotate throughout the year.
It gives students a 0% introductory APR on purchases and balance transfers for six months.
Additionally, Discover will match all the cash back users earn at the end of the first year. This card has no annual fee and various other benefits.
Journey Student Rewards from Capital One
Journey Student Rewards from Capital One, one of the best credit cards in USA for students, is a credit card designed for students looking to build their credit.
This card has no annual fee and offers rewards for every dollar spent, which can be redeemed for cash back, travel, gift cards, and more.
The card also features a 0% intro APR for six months on purchases and an additional 0% intro APR for 12 months on balance transfers.
In addition, journey Student Rewards from Capital One provides fraud alerts and identity theft protection to help keep customers safe.
Bank of America Cash Rewards for Student’s credit card
The Bank of America Cash Rewards for a Students credit card, one of the best credit cards in USA for students, is an excellent way to earn cashback rewards on everyday purchases.
It offers a 0% introductory APR for the first 12 billing cycles and rewards points that can be redeemed for cash back, travel, merchandise, and more.
Cardholders can also enjoy additional benefits such as chip technology, text and email alerts, digital wallet access, and access to Bank of America’s online banking and mobile app.
Citi ThankYou Preferred Card for College Students
The Citi ThankYou Preferred Card for College Students, one of the best credit cards in USA for students, is a great credit card designed to help students build a credit history and earn rewards.
The card offers a competitive rewards program with no annual or foreign transaction fees. With this card, students can earn 2x points on entertainment, dining, and 1x on all further purchases.
The points can be retrieved for gift cards, travel, and more. The card also offers exclusive discounts, access to special events, and a 0% introductory APR for seven months on purchases and balance transfers.
Wells Fargo Cash Back College Card
The Wells Fargo Cash Back College Card, one of the best credit cards in USA for students, is a great credit card for college students.
It offers up to 5% cash back on qualifying purchases, a 0% introductory APR on purchases and transfers for the first 12 months, and no annual fee.
Additionally, cardholders can take advantage of exclusive student benefits, such as discounts on textbooks and other college-related expenses.
The Cash Back College Card is an excellent way for college students to gain financial footing and build their credit.
U.S. Bank College Visa Card
The U.S. Bank College Visa Card, one of the best credit cards in USA for students, is a credit card designed for students, offering a variety of features and benefits.
It has a low-interest rate and no annual fee, along with a rewards program that allows students to earn points for every dollar they spend.
The card also offers cashback and discounts at participating retailers, as well as access to exclusive student-only offers.
In addition, students can take advantage of U.S. Bank’s fraud monitoring services and 24/7 customer service.
Citi Secured Mastercard
The Citi Secured Mastercard, one of the best credit cards in USA for students, is designed for individuals just starting to build their credit history. It requires a security deposit of at least $200, serving as your credit limit.
This card also offers a variety of benefits, such as an introductory APR of 0% for seven months, access to Citi Private Pass events, and a rewards program. The Citi Secured Mastercard is a great option if you’re looking to build your credit.
Discover it Secured Credit Card
The Discover it Secured Credit Card, one of the best credit cards in USA for students, is a secured credit card from Discover that can help you build your credit.
With the Discover it Secured Credit Card, you deposit a minimum of $200 to secure your line of credit. You then receive a credit line equal to your deposit amount. You can make purchases and payments like any other credit card.
Your activity is reported to the major credit bureaus. The Discover it Secured Credit Card also offers cash back rewards and 0% intro APR on purchases for the first six months.
Capital One Secured Mastercard
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The Capital One Secured Mastercard, one of the best credit cards in USA for students, is designed to help people with bad or no credit build or rebuild their credit scores.
It requires a security deposit, which is used to secure the credit line. The card also offers a low APR, no annual fee and access to Capital One’s CreditWise monitoring service.
The payment history and credit utilization are reported to the credit bureaus, allowing cardholders to build their credit score over time.
USAA Secured Card American Express Card
The USAA Secured Card American Express Card, one of the best credit cards in USA for students, is a secured credit card designed for members of the USAA military family.
This card offers a low APR, no annual fee and rewards that can be used toward travel, cash back, and merchandise.
Cardholders can also receive 0% introductory APR on balance transfers and purchases for the first 12 months and a low ongoing APR afterwards.
The card also includes 24/7 fraud protection, identity theft resolution services, and access to the USAA mobile app.
Conclusion
In conclusion, finding the best credit cards in USA for students is possible with research and knowledge.
Considering the various cards’ rewards, fees, and interest rates makes it easier to decide which is right for you.
With the right credit card, students can get the most out of their money and experience the advantages of having a credit card.
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