What are the best credit cards for students in the United States? Who and when people can get these credit cards? This post, we will help you answer these questions.

Best credit cards for students
Somethings you should know about the best credit cards for students

In the previous post, Info Credit Free introduces people to some of the necessary information that is useful for getting the best credit card offers in the US, to get more information people can read the article Somethings about student credit cards people should note. Now, let find knowledge about the best credit cards for students in the post today.


Just like a lot of article posts such as instant approval credit cards, low-interest credit cards, pre-approved credit cards, best credit card offers…, this post about best credit cards for students also includes some main parts. They are:

1. When should you get the best credit cards for student?

When a student can get a credit card? Able, yes – if you are over 21. Time has changed. Previously, if you were an 18-year-old college student, you would walk around the campus and you would see a credit card information sheet for students with two or three people holding it and giving out free T-shirts, hats, coupons and more to attract everyone’s attention – and, hey, do you want to register for a credit card?

You will, because that sounds like a good idea even though you don’t have a job, but, hey you worked all summer, so is that true? Or maybe you had a part-time job at the dorm store.

So college students, many of them are freshmen, have signed up for credit cards without really thinking about it, and soon, it becomes popular not only with student debt but also credit card debt – and a lot.

1.1. When do people need to pay for fees of student credit cards?

Obviously, your credit card statement has a due date and you want to be paid in advance. But, still possible, you may need to drill it in your head. Pay before the due date, usually 21 to 25 days after the end of your credit card statement. If you pay before the due date, it is an interest-free loan that you have been provided.

If you miss that due date, you will have to pay interest and it could be a late fee. And while that may seem like math that even a 5-year-old can find out, many adults who are short of money and harassed have missed credit card payment deadlines. It’s easy to imagine a busy college student forgetting credit card payment deadlines.

1.2. How credit card bureaus come up with your credit score

You know it’s important to pay your bills on time, and you won’t be surprised to know that it’s the most important factor in your credit score. But that is not the only factor. Credit use rate mentioned earlier, is the second most important factor.

You can pay everything on time but having a credit card is basically maximum and your credit score will be reduced. And the length of your credit history is the third important factor, which is why many personal finance experts recommend taking a credit card at a university, so you don’t leave university. learn and say that you want to buy a car but are prevented from getting a loan because you don’t have any credit history.

There are many other factors involved – as if you have applied for a range of credit cards and loan incentives, different questions about credit, even if you don’t take them all, can reduce your score. you – but the above factors are the most important to be aware of.

Best credit cards for students
Somethings you should know about the best credit cards for students

2. Some types of the best credit cards for student

2.1. Rewards cards

The reward card provides incentives for cardholders to use the card. Some credit card companies provide a recorded percentage of card activity to cash users. Other reward cards allow users to earn points or miles.

Some cards will provide registration rewards to make the card registration more attractive. Although not all student cards offer registration rewards, they can provide accelerated rewards. For example: Discover it Student Cash Back will automatically match all the first year cash back income for new cardholders.

2.2. Secured credit cards

If you can qualify for a traditional credit card, you may want to consider a secured credit card. Security card is different from a traditional credit card, also known as an unsecured card because it requires cash as collateral to hold the account. You send a deposit to a bank when you open a credit card account and then the bank will renew you a credit line, usually equal to your deposit.

By paying your card on time for a number of months, you can improve your credit score, qualify for a higher credit limit and qualify for an unsecured card version if available. If your account graduated to an unsecured state, the bank will return your deposit.

Both prepaid debit cards and guaranteed credit cards have the same advantage in terms of convenience and safety, and cannot be overspending with a prepaid debit card. However, as a credit building tool, prepaid debit cards do not work. Unlike credit cards, prepaid debit cards do not report credit use to consumer credit bureaus.

3. The best credit cards for student in the US

  • Discover it Student Cash Back is the best student card with a cash back match.
  • Discover it Student chrome is the best student card for gas and restaurant purchases.
  • Chase Freedom Unlimited is the best student card for 1.5 percent cash back on all purchases.
  • Citi Rewards Student Card is the best student card for supermarket and gas purchases.
  • Discover it Secured is the best-secured card for students.
  • Journey Student Rewards from Capital One is the best student card for cash back boost when you pay on time.
  • Bank of America Cash Rewards Credit Card for Students is the best student card for cash back rewards.
  • Bank of America Travel Rewards Credit Card for Students is the best student card for travel rewards.
  • Wells Fargo Cash Back College Card is the best student card for 3 percent introductory cash back on gas, grocery and drugstore purchases.
  • BankAmericard Credit Card for Students is the best student card for a 15-month introductory APR on purchases.

This post is about the best credit cards for students. We provide this information to offer you some of the necessary information that is useful for getting the best credit cards for students. Also if you are using credit cards and would like to know how to borrow money, please refer to the personal loans for people with bad credit link we just provided in the previous article. 

Hillary (Team Content) – Info Credit Free