Finding a good credit card when your a student use to be a challenge, but today there’s many great cards on the market. This article provides a list of 8 cards that are all solid cards. Whether your looking for a rewards card, one with a special introductory rate, or a basic credit card you should be able to find one here.
Journey(SM) Student Rewards Credit Card from Capital One
The Journey(SM) Student Rewards Credit Card from Capital One is a student credit card that offers students cash back rewards for their everyday purchases. The card even rewards those who are good customers and gives a special bonus for those that pay their bill on time. This card is designed to meet the needs of students with limited or average credit who want to build credit while still in school and get rewarded for it. This rewards card offers no annual fee and there is not limit to the amount of cash back you can earn. The Journey Student Rewards Card gives members 1% cash back on all purchases. In addition, card users will get a 25% bonus on the cash back you earn each month when you pay your bill on time. You get rewarded for being a good cardmember! Your cash rewards don’t ever expire and there’s no limit to the amount of cash you can earn.
Citi Forward® Student Visa
The Citi Forward® Student Visa is a student rewards credit card that rewards students for being good cardmembers. When you pay your bill on time and you don’t exceed your credit limit you can earn extra bonus points. The rate will be either 13.99%, 17.99%, 20.99%, or 21.99% and the rate you receive is based on your creditworthiness. You can reduce your purchase APR by .25% when you make a purchase, stay under your credit limit and pay at least your minimum amount due on time 3 billing periods in a row. The purchase APR on your account can be reduced a maximum of 8 times up to a total reduction of 2% throughout the time your account is open. You will also earn five ThankYou Points for every dollar you spend on purchases at book stores, record stores, restaurants, including fast food restaurants, motion picture theaters, and video entertainment rental stores.
Citi mtvU™ Platinum Select® Card
The Citi mtvU™ Platinum Select® Card is a rewards credit card specifically designed to meet the needs of students. The card offers bonus points for cardmembers who pay their bill on time, stay under their credit limit, and for those that get good grades. Being a cardmember gives you special access to exclusive mtvU experiences like free concert tickets, tickets to the mtvU Woodie Awards or VIP status at mtvU’s Spring Break. This student credit card offers a special introductory rate of 0% for the first 7 months you have the card. After that the rate changes to 13.99%, 17.99%, 20.99%, or 21.99% and the rate you receive is based on your creditworthiness. You will earn five ThankYou Points for every dollar you spend on purchases at book stores, record stores, restaurants, including fast food restaurants, motion picture theaters, and video entertainment rental stores . You will also earn one ThankYou Point for every dollar you spend on all your other purchases. The card also offers members a variety ways to earn bonus points.
Citi® Dividend Platinum Select® Visa® Card for College Students
The Citi® Dividend Platinum Select® Visa® Card for College Students is designed to reward students for their purchases with giving them cash back. The card offers a special introductory rate and allows members to earn cash back on their everyday purchases. The card does not require a co-signer and there is no annual fee. This card is a great option for students who are seeking a student card that offers cash back. The card offers a special introductory rate of 0% for the first 7 months on purchases. After that the variable rate is 13.99% to 19.99% based on your creditworthiness. This rate also applies balance transfers. The great perks of this card is that it gives members 5% cash back at supermarkets, gas stations, utilities and drugstores for the first 6 months of card membership. After that the card gives 1% on those purchases. The card also gives 2% cash back in popular, rotating categories, like department stores, jewelry, apparel, restaurants, hotels and more. On all other purchases you will earn 1% cash back.
State Farm Student Visa® Credit Card
The State Farm Student Visa® Credit Card is a student credit card that helps students build positive credit. This card is a basic credit card that allows you to customize design your own card with the design or photo of your choice. The card also provides a variety of benefits that are available to those who carry a Visa card. Such benefits include things like the Zero Fraud Liability Protection, Lost/Stolen card protection, Cash advance privileges via ATM and competitive rates. The card offers an APR of 10.24% to 18.24% for purchases and balance transfers. The rate you receive is based on your creditworthiness. The card also offers a different payment options which gives you more control over your monthly payments. This card does not charge its members an annual fee.
Wells Fargo® College Visa Card
The Wells Fargo® College Visa Card gives students the ability to shop online, buy your books, pay your bills, or even be prepared for emergencies. This card works with a college student’s budget because it offers a low introductory rates and no annual fee. Once you receive your new credit card, you can customize the design using the Wells Fargo Card Design Studio® service. You can add photos of family and pets to photos of a favorite hobby. Wells Fargo gives members a “Tip of the Month” in your monthly statement and a quarterly credit education newsletter. You can also visit the Wells Fargo Credit Tips to learn about money management, credit cards and credit in general.
Discover® Student More Card
The Discover® Student More Card is known for being a great cash back card. The reason is because it gives members 5% a Cashback Bonus® in categories rotating categories like travel, department stores, gas, groceries, restaurants, and more. The card also gives 5% to 20% Cashback Bonus at the exclusive online shopping mall. You will automatically get up to 1% unlimited Cashback Bonus® on everything else you buy from textbooks to toothpaste. The cash rewards you earn will never expire and your can redeem your Cashback Bonus® for gift cards or instant eCertificates from over 100 brand-name Partners. In addition to the great Cashback Bonus® you can earn, the card gives a special introductory rate for 6 months on purchases. After the first 6 months the APR is 12.99% to 19.99% based on your creditworthiness. The card has no annual fee and you can choose your own design of the card.
Capital One Student Rewards Visa Card
The Capital One Student Rewards Visa Card will put some extra cash back into your pocket because this card is designed to reward students for the things they already buy. This card is great if you are just starting out and want to build credit. If you use this card responsibly and pay your bill on time, this card can be a great credit building card for you. This student card does not offer any special introductory rates. The card has a variable APR of 24.9% for purchases, balance transfers and cash advances. You will earn 2% cash back on all purchases made at dining establishments, book stores, telecommunication service providers and on entertainment. In addition you will earn 1% cash back on all your other purchases. Your rewards are yours for the life of the account and they won’t ever. This card has no annual feel as well.
Chase +1(SM) Student MasterCard®
The Chase +1(SM) Student MasterCard® is a student credit card that is designed to reward members for their everyday purchases by earning Karma Points. With this card you can even share the Karma Points you have earned with your friends on Facebook. You can easily earn points just for being a responsible cardmember and paying your bill on time. This card has no annual fee and is a good student card for those that want to start building credit while they are still in school. The APR is 17.24% or 21.24% based on your creditworthiness. You will earn two Karma Points for each month your account is in good standing and you pay your account on time. If you pay your account on time for six consecutive months, and your account is otherwise in good standing, you will earn an additional eight bonus points.
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