Choosing a Student Credit Card for College Students

Written by: Valencia Higuera

If you’re over the age of 18, you’re probably ready to exert your independence and start your adult life. This can mean going off to college, living on your own and perhaps getting a student credit card. Establishing your credit history helps you prepare for adulthood. It takes years to build a solid credit history, and the sooner you start, the better. Obtaining a credit card in your name and wisely managing this account is one of the best ways to build credit, and several banks offer cards designed especially for students.

Citi Dividend Platinum Select Card for College Students

This credit card requires no cosigner, and with no annual fee, you can earn 5% cash back at gas stations, grocery stores, pharmacies and on utilities for the first six months that you’re a cardmember. You earn 1% cash back thereafter and on all other purchases, plus 2% cash back on rotating categories. Pay 0% interest for the first seven months. Additionally, this credit card offers several online resources to help you maintain a good credit history and budget your money.

Journey Student Rewards from Capital One

Apply for this credit card and you review access to your credit score each month, plus you receive tools and information to help you manage your credit. This includes email alerts notifying you of upcoming due dates. There is no annual fee for the Journey Student Rewards card, and with this card, you earn 1% cash back on all purchases. As a bonus, receive a 25% cash back bonus each month you pay your statement on time.

Discover Student Card

Pay 0% interest for the first nine months and receive a 5% cash back bonus on rotating categories, such as gas, department stores and restaurants. Earn 1% cash back on all other purchases. Customize your account to receive statement alerts by email or text. There is no annual fee.

Citi Forward Card for College Students

Earn points on everyday purchases, such as restaurants and movies, as well as points when you buy books with your Citi Forward credit card. Receive 1,000 bonus points when you request paperless statements, plus an addition 1,200 points each year for timely payments and keeping balances under your credit limit. There is no annual fee, nor do you need a cosigner. Maintain timely payments for at least three billing cycles and you’re eligible for an interest rate reduction – up to 2 percentage points. Pay 0% interest for the first seven months.

Discover Open Road Card for Students

With 0% interest for the first nine months, the Discover Open Road credit card is a good alternative for a student credit card if you’re looking for a cash back rewards card. You earn 1% cash back on all purchases, plus double cash back at gas stations and restaurants. There is no annual fee, and after your introductory rate period, you’re eligible for an APR as low as 12.99%. Text and email alerts help you keep track of your spending and payment dates.


Choosing a Student Credit Card for College...

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