Hi, I’m 21 years old in college with no credit history at all, and I would like to start one. I have looked into secured cards, and I think student cards (if I can get one) are a better option. Authorized user is not an option for me. I don’t have bills to pay, student loans, nor have an income. I also don’t spend that much money often besides occasionally on gas and eating out. I essentially only have a debit card with Bank of America, and I keep hearing good things about Discover, Capitol One, and Chase; I am leaning towards applying for a Discover It Student. What are your thoughts on the best CC for me to get?

What credit card would you recommend for a college student who’s opening a credit card for the first time. I’ve been looking into a Discover IT card but don’t know if I should do the regular one, student, or student chrome card. I also know little to nothing about APY, APR, intro fees and that stuff so if someone could explain that stuff in terms a toddler can understand that would be epic.

I’ll be starting college in the fall and I have no credit. Does anyone have any suggestions on credit cards? My top pick would definitely be the Discover It Student Card, but several of the businesses in my area do not accept Discover.

I’m currently trying to choose between Journey Student Rewards from Capital One, Chase Freedom Student Credit Card, and Bank of America Cash Rewards. But I’m not sure yet. Any advice would be greatly appreciated!

Hi everyone!! I recently turned 18, I currently bank with chase, I’m a college student so I’m not working but I will be part time next semester. I have a Roth IRA with Fidelity although I haven’t invested anything yet. I’m opening up a HYSA with Marcus (haven’t done it yet because I’m still researching HYSA)

Anyway, I have yet to apply for a credit card, I see everyone always say the discover student card which I’m considering but a personal goal for me is traveling,,I’m also new to personal finance and I just want to set myself up for success so…any other tips and advice would be much appreciated!

I’ve had a student credit card with my local credit union, $500 max, since I was 18 (I’m 21 now). My credit score is sitting at a bit over 700 and I think it’s time to start looking for a better CC that will last me a while! I don’t know a whole lot about CC so I wanted to come in here and ask for advice.

The max $ doesn’t need to be super high, a few thousand will do in case I need to make any big purchases. I would prefer cash back or a rewards system, if that’s something possible. All the options online look so confusing 😢

I am in college, I will mainly pay for maybe some groceries and car payments? I have seen capital one and bank of America? Any suggestions? How many cards should I own?

I am a sophomore in college and just turned 20. My dad has been on me about getting a credit card, and rightfully so. I was wondering if anyone had any suggestions about what a good credit card for a college student would be? I would really just be using this card for gas (maybe the occasional groccery run) to build credit.

Hi, I am an 18-year-old college student who goes to school in NYC and wanted to know the best starter card for me. I'm currently an authorized user on one of my parents' credit cards, and I have been for about a month. Any help/suggestions would be greatly appreciated. I am leaning towards the Capital One Savor One card for students, but I am open to anything.

Update: Thanks you guys so much for the help I ended up going with the capital on savor one card and just got approved for it with a 2000 dollar credit limit. Thank you guys so much for the help I greatly appreciate it.

I haven’t gotten a credit card yet which I know is ridiculous since I’m in college. I currently bank with PNC and am curious which credit card will give me the most benefits. I also know very little about building credit as no one ever really taught me. Any help is appreciated

Hi! I am currently looking to get a student credit card. I am between the Chase and Discover Student Credit Cards. Any advice would be appreciated!

I'm looking for some credit card recommendations that I can hold as a credit history anchor and have some decent cash-back prospects or benefits relevant to a college student lifestyle. Travel rewards aren't a super big motivator because I'm gonna be a student for a while (grad school afterward).

CREDIT PROFILE

• Credit Score: FICO 748 (from BofA), Equifax 742 (VantageScore from Credit Karma)

• Current Cards:

  • BofA Unlimited Cash Rewards, $1,200 limit, opened 2/2024

  • Authorized user on two other credit cards

  • Average credit age: 1 yr 10 mon (because of authorized accounts)

• Annual Income: ~$10,000

• Average monthly spend: My budget is $500, mostly concentrated on dining and whatever other expenses a typical college lifestyle may incur

• BofA is my primary bank + Merrill has my investment portfolio but I am open to opening an account with other large banks. I would rather stay away from credit unions.

• None of the 1/5 AmEx, 2/90 AmEx, or 5/24 Chase limits apply

CATEGORIES

• I'm fine with category-specific cards, but would rather stay away from rotating category cards because of the constant need to adjust spending habits.

• I don't spend a lot of money but my top spending area is definitely dining. Gas/travel/groceries will not be highly utilized because I will be on a college meal plan without a car.

MEMBERSHIPS & SUBSCRIPTIONS

• Not a current member of any subscriptions (at least that I'm paying for myself).

• BofA is my primary bank and I intend on eventually reaching Platinum Honors for BofA's Preferred Rewards program. As I stated earlier though I am totally open to starting accounts with other big banks (in fact, I would appreciate suggestions so I know where to start with other banks).

• Not active in the military, and not open to business cards.

PURPOSE/EXTRA INFO

• I've read through the whole wiki and a lot of previous posts, and it seems like the go-to suggestions for students is some sort of student card (usually Discover It, Cap1 SavorOne, etc.). However as stated in the title, I'm looking for some long-term cards that I can keep forever as a credit history anchor with decent rewards. I feel like I can get approved for some pretty good cards with a 740-750 credit score. I'm not looking to maximize cash-back percentages or churn cards.

• My BofA Unlimited Cash Rewards is a flat 1.5% all, so that can be my catch-all. From my own research, I'm looking into BofA Customized Cash Rewards (3% category, higher with Preferred Rewards) for the ease it provides with my already existing accounts or a Citi Custom Cash (5% category).

• I know Chase cards are super popular on here but I think I can wait on securing the trifecta because the Freedom Flex/Unlimited isn't much different than other options out there and travel isn't a big priority in my life for the next decade+.

Thanks for reading through my long post and I appreciate any input y'all can provide! Have a wonderful day everyone.

I am a freshman in college and looking to transfer my money to a bank that does not charge fees or minimums, as the bank I am with currently (my family’s bank) does. I will probably put most of my money into a savings account and leave some in checking, so looking mostly for a favorable APY.

In terms of credit cards, I’m after cards that offer straight cash back or cash back on things I will definitely use in college.

I’ve looked at Capital One (quicksilver student card) and SoFi (student cash back card) so far, and I like both of them as options. What are some recommendations, and what are the reasons you like that bank/credit card?

Looking for something with no annual fee, preferably cash back, and just something that is good for someone with no ccredit history.

I've been told that visa is good, and I would like to avoid discover since I've heard that not everyone takes them.

I don't make much in the year, and I'm not sure the exact amount but I would guess roughly $8000 with $460 monthly rent. I'm in college and don't have any credit.

I'm going through pre-approvals and I can't seem to find much that will approve me.

Any good credit cards that are unlikely to turn me down with no AF and hopefully cash back?

What credit cards would you recommend for a college student looking to build credit?

Setting up for my first semester and wanted to know what cards you would recommend. I already have Amex BCE, C1 Savor One and Walmart/Soon-to-be Quicksilver, Chase Freedom Unlimited, and my local CU’s Visa card. I was planning on either the getting freedom flex as my final card for a while since Im 1 off of the 5/24 rule or the Apple Card because I mostly use apple pay. What are your thoughts?

I have heard a lot of mixed reviews about the best credit card to use. I’ve done quite a bit of research, but everything seems to contradict itself. I’m thinking discover, but does anyone have any other recommendations? I have a part time job while going to school and I graduate in a year. Thank you in advance for the help.

hello everyone, i’m currently looking to get a new credit card and was just wondering if you guys had any recommendations. ALSO, i understand my income and spending categories seem low but i am fortunate enough to where my parents would be willing to use the card and then it pay off in full.

• Current cards: (list cards, limits, opening date)

  • Discover it Student Chrome, 2100, november 2023

• FICO Score: 771

• Oldest account age: 1yr

• Income: ~20000

• Average monthly spend and categories:

  • dining: 200

  • groceries: 100 (can have my parents use the card to make this expense larger)

  • gas: 0 (can also have my parents use this if it is beneficial for category spending)

  • travel: 600 (yearly. 3 guaranteed round trips from college to home)

  • other:

    • amazon: 50

    • clipper card (bay area public transit): 50

• Open to Business Cards: No

• What's the purpose of your next card?

  • Build relationships with banks

  • Get my foot in door with the credit card world

  • Set a good foundation for when I graduate and can afford to get more premium cards

  • cash back (might be more achievable as a student)

• Do you have any cards you've been looking at? (and why i’ve been looking)

  • Student Savor one (3x on groceries and dinning)

  • Freedom Flex (build relationship with chase, rotating categories)

  • Freedom unlimited (build relationship with chase, 1.5x)

  • Citi double cash (catch all)

  • Fidelity (tsa pre check for no annual fee)

• Are you OK with category spending or do you want a general spending card? Either

Open for discussion but the best setup for a college student with limited disposable income has got to Citi Customer Cash card for 5% on highest spend category and Wells Fargo Active Cash for unlimited 2% cash back. ** I know Citi also has a 2% cash back on another card but go with Wells Fargo to get another signup bonus :) **

Both cards don’t have annul fees, and since they don’t force other spend categories (or rotating) they don’t incentivize unnecessary spending.

The most sense to me is to use the Citi’s 5% on gas (constant inevitability expense) and then use Well’s 2% on everything else.(Leaving travel cards out due to limited budget for travel)

Let me know what you guys think!

I'm in high school and prepping for college. I've gotten many conflicting pieces of advice on whether or not a credit card is a good idea for college. So I'm asking here, good idea or bad, and what credit cards do you guys recommend for a student? I know the basics of a credit card, Pay on Time, Every time. and Pay the full Amount Every time. Don't over spend on it, and absolutely never go into debt on it. Use it only if necessary. And I've been told numerous times to avoid cards with annual fees. I still want to hear more about everyone's advice and opinions. And I want to know what I should look for in a credit card.