<p>What are the best student credit cards? I'd definitely be able to pay off my bills each month, that won't be a problem...I'm just looking for the best rewards/cash back. I know Citi has a bunch (Citi Forward might be the best? not sure), and Discover has one...not sure which to apply for!</p>
<p>Thanks!</p>
<p>So, the best student card, or the best rewards/cash back card? </p>
<p>I got a great credit card from my bank, very low interest, high (for my situation) limit, but didn’t care mess around with all the point systems. Could’ve gone with their rewards card, but the guy at the bank told me I’d have a higher rate, and a lower limit. It wasn’t worth it for me, especially considering how much you have to spend to actually earn anything with a rewards card.</p>
<p>(And I automatically pay my card in full each month, but just in case anything ever happens, it’s nice to know I won’t be completely screwed)</p>
<p>What kind of rewards do you want? Cash back, airline miles (specific airline or doesn’t matter?), etc. etc?</p>
<p>Once you figure this out, it narrows your choices significantly. Just make sure you never get a card (even a rewards card) with an annual fee - as a college student, you probably won’t be charging enough on the card to make the fee worth it.</p>
<p>Okay… what’s the difference? Sorry to sound like an idiot, but my parents suggested that I should get a credit card this fall to start building my credit. I’ve looked around, and noticed that Discover (who is handling my stafford loans) offers several types of Student Cards. I just really don’t understand how they work and for what I should look.</p>
<p>I didn’t want to do the credit card thing so to help build my credit my mom just got me a charge card through one of the stores we frequent. I don’t have any plans on getting a credit card anytime soon so until then I’ll just stick to debit.</p>
<p>i have the citi mtvu credit card through visa which gives you 1pt per dollar spent + 50pts when you pay on time + bonus points up to 2000 for getting good grades. after accumulating these points you can use them to “buy” stuff, ie 3500pts for $25 in visa gift card or 10000pts for a $100 giftcard to footlocker. plus $4000 limit and since i pay off every month, i dont have to worry about the interest rate. no cosigner required nor is there a income verification</p>
<p>thanks!</p>
<p>re: icarus - preferably cash back…if straight up rewards, something that you don’t have ot spend bajillions to get, and preferably something close to cash e.g. gift cards to stores I always buy from</p>
<p>re: another_adam - sorry if this is stupid, but what would signify a good <em>student</em> credit card? e.g. no annual fee, low interest, that kind of thing? I’m really most concerned with no annual fee and best way to get rewards/cash back. interest, transfer balance, etc. is not of primary concern</p>
<p>Don’t get a discover card - they simply aren’t accepted at nearly as many places as mastercard/visa and even american express. </p>
<p>I would recommend the Citi Dividend Platinum Select for college students card. You get cash back, and Citi is a good company to work with in my experience. I got a student card from them and they started me at like $1,200 in credit. After about a year of on time payments, they increased my credit line dramatically.</p>
<p>I have the Citi mtvU Platinum Select Visa. I didn’t need a co-signer and no annual fees.</p>
<p>chase +1. it’s pretty student friendly.</p>
<p>I use Chevy Chase, which is local to my hometown – though I think they might be somehow related to Chase as their websites are identical, sometimes I end up getting logged into Chase when I started at Chevy Chase. </p>
<p>But I also read that Capital One purchase Chevy Chase, so who the hell knows. </p>
<p>Anyway, they have both cash rewards and reward selection list. I tend to go with the list (they have a database of things you can cash in on, ranging from gift certificates from Amazon, Target, Barnes and Nobles, Sephora–huge selection of stores, to gift cards for gas, to purchasing a grill or diamond necklace with reward points)</p>
<p>The return value with using their set items versus cash is much larger, plus I’m always on Amazon or in Sephora, so I figure what the heck.</p>
<p>I applied for the citi forward…hopefully I get it :(</p>
<p>kjj17 ^ did you get a confirmation e-mail from citi saying that they received your application? because I applied over 2 weeks ago and still no word (which i’m not taking as a good thing).</p>
<p>yeah…no :(</p>
<p>When I applied for the Citi Forward, I never got a confirmation email for anything (just some emails asking me to send additional documents because they couldn’t verify I was student which came a couple weeks after I applied). There is a phone number you can call regarding your application status.</p>
<p>Since going to college I’ve had an American Express Blue card, which I use for most all of my purchases, and a credit/debit linked to my bank account for use whenever AMEX isn’t accepted. I’ve always found the customer service of American Express to be top notch, and after a year or two of always making my payments on time my limit jumped from $2000 to around $10000 (which was handy when I was driving cross-country after a slightly pricey car repair).</p>
<p>I just got the citi forward card and think it offers some great options, rewards, rates, etc. for a student card.</p>
<p>I have the Chase Amazon Visa card. It works great every dollar spent at Amazon gets you 3pts and every dollar spent outside of Amazon is 1pt. Once you accumulate 2500 pts you get a $25 gift certificate. This works out great for ME because I buy from Amazon quite a lot (though I hate how they have to tax NY residents now, ugh). My best recommendation to you is to find a credit card that has the rewards you’ll make use of. If you’re going to pay on time, then the interest rate on the credit card won’t matter.</p>