What are the Best Cards for College Students?

The New CARD Act of 2009 has made it challenging for students to get their own credit card. Before this was enacted, there were no age restrictions in getting a credit card. Now, you should be at least 21 years old to qualify. If you are under the specified age, you should provide proof that you can pay for the bills that will come your way. If not, there are companies that accept individuals below 21 years old if they have a co-signer.

Qualities of an Ideal Credit Card for Students

When picking the best card for students, it is important that you weigh things over and over before deciding on a particular card. Each card can have different features and may have different offers. Some of the factors that you may need to consider include annual fees, hidden fees, cash back rewards, and points earning potential to name a few. The most ideal card for students like you would be one that has low to zero annual fee, no hidden fees, provides great cash backs, and lets you earn huge points from your spending.

Top Picks for College Students

The Citi Forward Card for College Students is a good card to start building your credit. You do not have to provide a cosigner to be approved, but there are conditions that will apply. If you use your credit wisely, you will earn rewards for your good behavior. Rewards include APR discounts and up to 1,200 ThankYou bonus points. Pay on time to receive great incentives every time you get billed.

Another excellent option is the Student More Card issued by Discover. This is for you if you are searching for a credit card that offers cash back bonus. Purchase with your card within the first three months and get $20 cash back instantly. There are plenty of other rewards such as cash back on travel, gas, restaurants, and a lot more.

Discover also presents the Student Open Road Card. If you drive your own car and you dine at restaurants frequently, you can get double bonuses on gas and dining. All purchases will be awarded with cash back bonus and there is no annual fee to boot. This card is a great tool for building credit since it activates text and email notifications so you wouldn’t miss repayment. Cardholders are provided with $0 liability in case of fraud. This means that if there are unauthorized transactions with your card, your account will not be charged.

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