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Best Credit Cards for Students in 2019
You’re in college and have never had a credit card before. That’s cool. But at some point you’ll want to start building your credit and choosing the right card is half the battle. What you should be looking for: low fees and low to moderate Annual Percentage Rates (APRs) as well as rewards great for college students, like money back on gas, groceries, eating out and more.
We’ve chosen a few credit cards we think work well as “firsts.” Some of these cards have cash back programs and all of them have low fees so you can get a positive head start with one financial foot in front of the other.
Journey® Student Rewards from Capital One®
This is a great one thanks to its cash back program. Earn one percent back on all purchases and get a .25 percent cash back bonus each month your statement gets paid on time. Rewards can be redeemed in the form of a statement credit or a check and after five months of on-time payments, this card includes an automatic credit line increase. Also, a great tool to take advantage of with this card is access to Capital One CreditWise, a credit education tool. A huge perk here that no one seems to talk about is the Capital One Cafe that serves Peet’s Coffee in select cities. Get 50 percent off Peet’s all day and two free coffees (any coffees!) during happy hour when you show your Capital One card. That’s a money-saving tactic right there.
State Farm Student Visa
This rewards credit card from State Farm is super cool and I wish I’d known about it when I was a student. Not only does the card give you three points per every dollar spent on insurance premiums (up to $4,000 a year) redeemable for gift cards, general merchandise, travel, and eligible State Farm products, but it also helps reduce premium costs on both your auto and renters insurance policies. There’s no annual fee on this card and no introductory APR. This State Farm Student Visa also comes with Visa-backed benefits, which include complimentary loss and damage coverage for rental cars paid in full with the card.
Wells Fargo Cash Back College Card
With a wonderful rewards program, the Wells Fargo Cash Back College Card grants cardholders three percent cash back on gas, groceries and drugstore purchases and one percent back on all other purchases during the introductory period. After six months, this changes to one percent cash back on all eligible purchases. For a year after opening a Cash Back College Card account, you’ll have zero percent APR on all eligible purchases, which is considerably long and a good amount of time to buy the things you need and pay them back sans interest. If you have a Wells Fargo bank account, you can reap additional benefits exclusively for account holders (check the WF website for details).
Bank of America Travel Rewards Credit Card for Students
We’ve got one more for you in this department. The Bank of America Travel Rewards Credit Card for Students is fantastic for earning travel rewards. Make $1,000 worth of purchases within 90 days of opening an account and earn a 25,000-point sign-up bonus. This Travel Rewards card means $0 annual fees as well as no foreign transaction fees and it includes benefits like zero dollar fraud liability and free monthly FICO credit score access. Earn 1.5 points for every $1 spent and see the world in the process. There’s no greater education than worldly experience.
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