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4 popular credit cards for college students

A good credit score is essential as it can be a criterion for lucrative job prospects or renting an apartment. Moreover, a good credit score is an uncompromisable necessity while applying for a loan that has terms and conditions that favor you. To ensure that you have a good credit score, it is better to start building it young and early. One of the easiest ways to do so is by applying for a student credit card from prominent credit cards companies. Now, there are several credit cards companies that offer lucrative credit cards, making choosing the right one confusing. To help you narrow down your choices, here are some of the best credit cards companies that offer student credit cards.

Bank of America® Travel Rewards Credit Card for Students: One of the biggest credit card companies in the country Bank of America offers a slew of benefits with its student credit card. With each dollar spent using this card, students can earn 1.5 points. This applies to purchases without any caps. The points can be redeemed as discounts on hotels, flights, rental cars, and vacation packages. There are no restrictions or blackout dates applicable for availing these discounts. With no foreign transaction fee or annual fee, the card allows one to earn nearly 25,000 points on spending about $1000 in the first 90 days.

Wells Fargo Cash Back College Card: A top-rated credit card company, Wells Fargo offers one of the most popular student credit cards. With this card, students get a cashback of nearly 3% on purchases of about $2,500 made at medical stores, grocery, and gas stations. This cashback is applicable only for purchases made in the initial six months of opening the credit account. For other purchases, students can earn a cashback of nearly 1%. Additionally, without an annual fee, the card has quite a low intro APR. Plus, students get free access to Wells Fargo’s online credit management tools.
Citi Rewards℠ Student Card: With this student credit card, students can earn significant rewards on purchases. The card rounds up the rewards to the closest 10 points. Additionally, students can earn up to two points for every dollar spent at supermarkets and gas stations. This is applicable only during the first year of opening the credit account and if the minimum combined purchases are worth $6000. After one year period, one point per dollar can be earned on purchases.
Discover it® Student Cash Back: With no annual fee charged, this is a suitable credit card for students who are just learning to handle credit. For students who obtain good grades, the card also offers statement credit. There is no APR charged on purchases for the initial six months. Furthermore, the card does not penalize in case of late payment in the first bill statement. Students can earn a cashback of up to 5% on every purchase through online shopping, select rideshares, restaurants, supermarkets, and gas stations. Additionally, an unlimited 1% cashback can be earned on other purchases.

Credit card balance transfer is a process by which the outstanding debt on one credit card is transferred to another account. Some credit card companies charge lower interest rates and transfer fees than others in this process. Ensure to check the balance transfer policies, credit limit, rewards, and other important information before getting a credit card.

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