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Best Credit Cards For College Students

When you’re a college student you are just starting to establish your credit. Getting credit cards are a great way to do this. The credit limits will usually start small but gradually increase if you make your payments on time. On most college campuses, you will see all kinds of credit card offers, but how do you know which cards are the best?

First, make sure the credit card you choose does not have an annual fee. Another feature you want to look for is cash back or a rewards program. Examples of cards that fit both criteria are the Discover card and American Express Blue for Students card. Most students can be approved for these cards without a problem. Discover cards have a good cash back program and Blue for Students has a rewards program where you can earn points on many of your purchases. The protection plan is also included with the student in mind, and when your college days are over, you will likely upgrade to a regular Blue card and receive even more benefits.

Because Discover and American Express cards are not always as universally accepted as Visa or Mastercard, you may also want to look into a Chase Freedom Visa. This also has no annual fee and you can earn bonus points at the retailers where you use the card most often. Whatever you do, make sure you get a card where you can establish good credit. Don’t get taken in by too many free offers; at this stage it’s not a good idea to have more than two credit card accounts, and of course, don’t forget to pay your bill on time!


Top credit cards for college students

There is a reason credit card companies are no longer allowed to market their products within 1,000 feet of a college campus.

Before the CARD Act was passed in 2009 setting limits on credit marketing to students, card issuers regularly marked the start of a new academic term by setting up stands on campus and offering students T-shirts and other incentives to sign up for cards. Students proceeded to acquire high-fee, high-interest-rate credit cards, often with little understanding of how they worked.

These days, it is much harder for students to obtain credit cards. Students under 21 must have an adult co-signer to get a card or demonstrate that they have sufficient income, and the constraints on campus marketing have also had results. A study by Sallie Mae found that just 30 percent of students reported having cards in 2013, down from 42 percent in 2010.

Even among all millennials (defined here as those ages 18 to 29), credit card usage is relatively rare. A recent survey by Bankrate found that 63 percent of millennials have no credit cards, compared with 35 percent of consumers age 30 and over.

For a generation that watched its elders overextend themselves with credit and did not see the card-marketing offers that used to pervade campuses, credit cards may well seem like a less appealing payment option. And the string of security breaches at major retailers do not exactly make credit cards look secure.

But having a credit card can be useful, even for college students and 20-somethings. Most significantly, having a card and using it prudently can help establish a credit history, which in turn opens the door to lower-cost mortgages, car loans and more.

Credit cards for college students chase

Young adults without credit cards "are making it harder for themselves down the road to get financing for a house or financing for a car," said Jeanine Skowronski, credit card analyst at Bankrate. Landlords and employers also look at credit scores, she added.

But with all the special offers and promotions out there, identifying the ideal credit card can be tricky, especially for a first-timer.

Read More U.S. consumer regulator warns credit cards on marketing

A college student under age 21 may find that the best option is to become an authorized user on a parent's card. "That's like a credit card with training wheels," said Skowronski. "They'll be building a credit history, and the parent is very present in the relationship the student has with that card and responsible for paying that bill." Many companies offer the co-signing credit card option.

Alternatively, some issuers offer cards tailored to students with limited credit histories but some income. These cards typically come with no annual fee and a relatively moderate interest rate or annual percentage rate. Some also have bonus or cash-back features that offer rewards when the card is used.

Capital One, for example, offers the Journey Student Rewards card. It has no annual fee, and cardholders earn 1 percent cash back, or 1.25 percent cash back for paying the bill on time. If you don't pay your bill on time, though, brace yourself for an interest rate of 19.8 percent. (Remember, too, that paying your credit card bill on time is one of the best ways to build a solid credit history.)

The BankAmericard for Students also charges no annual fee, and it offers cardholders 0 percent interest for 15 billing cycles. (After that, the interest rate rises to between 10.99 percent and 20.99 percent, depending on market rates and the cardholder's creditworthiness.) For cardholders with a big upcoming purchase that may take a few months to cover, the temporarily nonexistent interest rate is a plus—but it is important to keep in mind that the 0 percent interest rate will end. BankAmerica charges a fee of 3 percent of any balance transferred to the card, though.

Discover offers the Discover it Chrome for Students card and sometimes has special features offered for a limited time. The Chrome card offers no annual fee, no late fee on a first late payment and 1 percent cash back on most purchases. (If restaurant and gas purchases add up to $1,000 over three months, the card gives 2 percent cash back.) The interest rate on card balances is 0 percent for the first six months, but it then rises to between 12.99 percent and 21.99 percent based on the cardholder's creditworthiness.

Another option for college students and millennials is a secured credit card. This kind of card requires a security deposit : Most of the top cards require deposits of $200 or less, but one — the First Progress Platinum Select MasterCard Secured CreditCard —requires $300. On the plus side, issuers of these credit cards monitor your credit and send regular reports to credit bureaus, enabling you to build or rebuild your credit history.

With any credit card, it is important to pay the balance off every month. Experts also say it's a good idea to spend much less than your credit limit (below 30 percent is best), so you do not run into trouble paying the bill. If you do make a big purchase, like apartment furniture, and you need a few months to cover it, make sure to pay at least the minimum balance and ideally more.

Credit cards may have lost some luster with millennials, but old-fashioned credit histories still matter, and a credit card can be the best way to build one. College students and recent graduates who keep their card balances in check and search out the features they need will find credit cards a useful tool for shaping their adult financial lives.


Tips for Chase Student Credit Card

The first thing that a student should do when going for chase student credit card is to make use of the online information. With a little shopping around of financial institutions, it would be easier for one to get a good credit firm for students. This would give a low interest rate for a credit that is going to be used by a student. With a company that would support monthly installments on credits, a student can make use of it for payment of debts. There is a need to check profiles of the financial firm that is giving the credit so that it would easily to avoid bad or dubious financial companies.

For one to qualify for a credit, it is the credit rating that is very important as it is what is used for assessment of the qualification for this credit. However, when it comes to bill consolidation credit, there are firms that would help one get it. Qualifying for credit cards for college students require that a user gets information before going for it. The financial institutions are the ones that determine what should be paid for a chase student credit card.

How to apply for Chase Student Credit Card?

Chase student credit card is what should be done with the help of an expert. This is because these experts are those who would be able to support student come out of debts within a short time. When someone with bad credit rating wants to apply for credit, it would be difficult for this request be granted because of the rating. This is the reason why debt consolidation should be done so that a student would be free of bad credit report. There are ways by which students can get college credit cards that would consolidate bad credits. There are so many firms and companies that are willing to give credit to students who meets their requirements.

Chase student credit card would be easier if the credit cost is broken down or simplified so that a student would be able to understand and pay off bad credits within a short time. There is always going to be an agreement on how to pay a debt which would be put into sign. It is imperative that carefulness is maintained before signing any agreement with a creditor when it comes to consolidating credit that would be used for bad credit. And before an agreement is met, the monthly payments which would include charges and interest should be calculated so that it would be a clear deal for the student. One thing is important when it comes to best student credit card; the installments that are paid should not be bigger than the former debt.

Chase student credit card are guided by the law so that the creditors or lenders would not be able to exploit a student. And because of the need to avoid dubious financial firms, a student should have enough information that would help him or her get a good deal when consolidation of debts is in place without a high interest rate.


Citi Double Rewards for College Student Credit Cards

Calling all the college students! This one is for you. Citi is doubling the rewards on their student cards just in time for those of you headed back to school. In addition to the double rewards, they’re also giving out bonus points for things like paying on time, having a good GPA, and enrolling in paperless statements.

It’s a great offer for the college students who do well at managing their money and want to be rewarded. It’s our free money feature offer this week.

How to Get Your Double Rewards

  1. Open a new college Citi mtvUTM or Citi Forward card by September 30, 2009.
  2. Use your card at bookstores, record stores, restaurants (including fast food), movie theaters, and video stores.
  3. Get 10 points per dollar for the first 3 months.
  4. Redeem your points for various rewards including gift certificates, cash back, merchandise and travel.

Double Points Terms and Conditions

  • This offer is only valid for new cardmembers who are college students approved through this offer.
  • Rewards for paying on time, having a good GPA, and enrolling in paperless statements are outlined below.

  • 10 ThankYou® Points on every dollar spent at bookstores, record stores, restaurants (including fast food), motion picture theaters and video entertainment rental stores for the first 3 months and 5 points thereafter. You will earn 1 point per dollar on other purchases.
  • 0% APR* on Purchases and Balance Transfers for 6 months if you qualify based on your application and credit history.
  • Earn 25 ThankYou Points every month when you pay on time and don’t go over your credit limit.
  • Earn up to 2000 ThankYou Points twice a year for having a good GPA.

*This card is no longer available.

  • 10 ThankYou® Points on every dollar spent at bookstores, record stores, restaurants (including fast food), motion picture theaters and video entertainment rental stores for the first 3 months and 5 points thereafter. You will earn 1 point per dollar on other purchases.
  • 0% APR for 6 months on Purchases & Balance Transfers.
  • 6,000 bonus points after $50 in purchases are made within 3 months of account opening.
  • 2,500 bonus points when you sign up for paperless statements within 3 months of account opening.