Student credit cards USA: Know the Options and Know how to Choose Well

USA student credit cards are a way to start life in the financial market. For many young adults, this is the first step toward independence.

Classes, work, outings with friends, books, and a lot of study are common things in a student’s routine. What do all these responsibilities have in common? They are accompanied by expenses. That’s where student credit cards USA can help you.

Here’s the tip! Don’t accept the first offer that comes along. Comparing US student credit cards will help you make a choice wisely and the best part, you will be able to find the best options according to your needs.

Why are student credit cards important?

If you’ve heard someone say that they should start building credit early, know that it really is an attitude that will make all the difference.

The credit score in the US works like a financial GPA. Basically, it tells banks, lenders, and other institutions how reliable it is with cash.

Therefore, the sooner you start using your card, the faster your score improves, being able to increase your limit and having access to loans and financing in the future.

What makes a good student credit card?

Not every credit card is for you. Still, it is possible to identify a good card. In short, it should have the following qualities:

• Low or non-existent annuity;
• Rewards such as cashback and easy-to-understand points program;
• Support for beginners who don’t yet understand how to use a good card.

And then there is the grace period. They are a few weeks after the end of your billing cycle, during which you can pay off the balance without interest.

The Best Student Credit Cards in the USA

Now we will analyze the options, going straight to the point, let’s go.

1. Discover it® Student Cash Back

Discover it® Student Cash Back offers many rewards on the starter card.

First of all, it offers 5% cashback on rotating categories in some specific categories. And you will get 1% back, with no limits.

And the costs? $0 annual fee. Initial annual rate of 0% on purchases for six months, then switches to a variable rate (17.24% to 26.24%). By the way, it is a good credit card with 0% APR.

2. Capital One Quicksilver Student Cash Rewards

Capital One Quicksilver Student Cash Rewards prioritizes simplicity. In it, basically, you will receive 1.5% cashback on all purchases, without exception.

In addition, if you book travel through the Capital One portal, you earn 5% cashback on hotels, vacation rentals, and car rentals.

There is also a welcome bonus. Receives $50 after spending $100 in the first three months.

It is a card with no annual fee and no transaction fees abroad.

Attention: the annual interest rate (APR) is higher, ranging from 25.74% to 29.99%.

3. Bank of America® Travel Rewards (Student credit cards USA)

For the student who travels a lot, this is the ideal card. That’s because it focuses on the points and cashback program.

It works like this, for every dollar spent it yields 1.5 points, redeemable for credits for travel or meals.

You still have a bonus of 25,000 points (worth $250 in travel credits) if you spend $1,000 in the first 90 days.

You won’t have to worry about the annuity. However, be aware of the APR which will be between 18.24% and 28.24%, after the 15-month exemption period.

4. Chase Freedom® Rise

The Chase Freedom Rise is different from the other options. Instead of flashy rewards, it focuses on strengthening your credit health.

It works like this, students get a flat 1.5% cashback on everything.

There is no annual fee. And if you manage the card responsibly, you can be upgraded to Freedom Unlimited within a year.

5. Citi Rewards+ ® Student Card (Student credit cards USA)

Citi Rewards+ ® Student automatically rounds up each purchase to the nearest 10 points.

For example, Bought a $2.50 coffee? Instead of earning only 2 points, you earn 10.

In addition, you receive 2 points for every dollar spent at supermarkets and gas stations, up to $6,000 per year, and 1 point on all other purchases.

The card has no annual fee, and it even offers a bonus of 2,500 points after spending $500 in the first 3 months.

The introductory APR can be as high as 0% on purchases for 7 months, then ranging between 18.74% and 28.74%.

6. Deserve® EDU Mastercard for Students

Unlike traditional options, the Deserve® EDU Mastercard is simple yet efficient, especially for international students.

It does not require a U.S. credit history and often not even a Social Security Number, which makes it inclusive.

The card offers 1% unlimited cash back on all purchases, with no complicated categories.

You’ll still get a free year of Amazon Prime Student (based on the minimum required spend).

There is no annual fee, no transaction fees abroad, making life easier for exchange students. Variable APR hovers around 20.24% to 29.99%.

7. Petal 2 Visa ® (Student credit cards USA)

If you like transparency, the Petal 2 Visa is the most suitable.

The card does not charge any fees. No annuity, delays or transactions abroad.

Above all, you earn 1% cash back on all purchases, increasing to 1.5% after 12 months of on-time payments. In addition, you can earn up to 10% cash back at selected partner stores.

Credit limits range from $300 to $10,000, much more flexible than the average student card. The APR is variable, between 18.24% and 32.24%.

8. Journey Student Rewards da Capital One

Capital One’s Journey Student Rewards is practically a hands-on course in personal finance.

First of all, it offers 1% cash back on all purchases.

In addition, after five months, you can receive an automatic increase in your credit limit, helping to strengthen your score.

With no annual fee, no foreign transaction fees, and a variable APR of 29.74%, it proves to be a great option to start with.

9. State Farm Student Visa®

The State Farm Student Visa is less well-known than the others, but it is worth mentioning.

At first, it offers 3 points for every dollar spent on State Farm insurance, 2 points on restaurants and travel. And 1 point on all other purchases.

With zero annual fees, this card is for students who already have (or whose families have) insurance with State Farm, because the points can be used for discounts and benefits at the insurance company itself.

Conclusion (Student credit cards USA)

Student credit cards in the US offer great benefits such as cashback, points programs, and even bonuses where you get extra points.

Attention! Now is the time to make your choice. Take a look at the options and ask for the one you believe will best meet your day-to-day needs.