If your a college student and have no credit, then applying for a credit card tailored for young adults in school can be a great way to start building credit for the future.
Our staff has taken the time by researching and listing these cards available from banks below.
One student bank card issuer is Citibank and they currently offer four different types of credit cards for young adults enrolled in college. The first card they offer is the Citi Forward which has up to 2% APR reduction when you make a purchase, stay under your credit limit and pay on time for 3 billing periods in a row. This card also has up to 1,200 bonus ThankYou Points per year for paying on time and staying under your credit limit and you can earn points for every $1 spent at restaurants, books, music, movies and 1 point for every $1 spent on all other purchases. Other benefits include a complimentary cell phone protection paln and a 0% Intro APR on purchases for 7 months. There is no co-signer required so you can build your own credit history.
The second student credit card offered by Citibank is the Dividend Platinum Select Visa. This card offers 5% cash back at supermarkets, gas stations, utilities and drugstores for 6 months and 1% thereafter. You can earn at least 2% cash back at department stores, and on jewelry and apparel, at restaurants, for hotel reservations and earn 1% on all other purchases. This card also offers no annual fee, 0% intro APR on purchases for 7 months, $0 Liability on unauthorized charges and no co-signer is required to apply.
The third card Citibank offers for college students is the Platinum Select Visa or MasterCard which comes with no annual fee, $0 Liability on unauthorized charges and 0% Intro APR on purchases for 7 months. There is also no co-signer required to apply for it.
The final card offered by Citibank is the mtvU Platinum Select Visa. This card offers college students up to 4,000 ThankYou Points every year for maintaining a good Grade Point Average. You also can gain 5 ThankYou Points for every $1 spent at restaurants and entertainment while earning 1 point for every $1 spent on all other purchases. If you pay bills on time and don't exceed your credit limit you will receive 25 extra points monthly. Other benefits include no annual fee and a 0% introductory APR on purchases for 7 months.
Discover Bank also offers credit cards for students and is available with easy online account management, cash back bonuses on every purchase from selected categories, $0 fraud liability if your account numbers or card gets stolen, a 24/7 customer service line, and you can choose your own personalized card design.
Bank of America offers a Student Visa Platinum Plus Credit Card that can help you get started building your credit history. Benefits of this card includes a student identity theft protection program that is free for the first 4 years and a competitive APR on purchases and balance transfers, and no annual fee. You will also have the added feature of viewing your charge account On-line at any time.
Capital One offers a Student Rewards Credit Card and is designed to help students with limited to average credit rating build up their credit history. Benefits of this card include
free text and e-mail alerts on account activity, 1% cash back on all purchases and a 25% bonus on your cash back every month when your bill is paid on time. Other perks included are $0 fraud
liability, 24-hour travel assistance services that helps you get an emergency card replacement and a cash advance if your card gets lost or stolen, extended warranty program at no charge on purchases
made on your card, travel accident insurance at no extra charge when you use your credit card to purchase your fare, and you get collision, damage and loss insurance when you rent a
JPMorgan Chase and Company offers a Student Credit Card that has no annual fees. They offer Karma points simply by paying your bill on time that can be used to get the things you want, give to causes or share with friends on Facebook. To qualify for this card your credit history should be clear of bankruptcy and of seriously delinquent accounts.
Disclaimer: The above information was written in good faith, but we cannot guarantee accuracy or credit approval. Please check with the student credit card issuer for current interest rates, terms, conditions and offers. If you feel the information is inaccurate or have a
credit card you wish to add to our list, please email us at [email protected]