Travel Rewards Card for Student with Limited Albeit Good Credit

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Travel Rewards Card for Student with Limited Albeit Good Credit

Postby n.s.s » Sun Jun 29, 2014 11:24 am

Hi everyone, I'm new to the forum. I am a college student and I will be studying abroad for 6 months this upcoming fall and winter. I am looking for a card with no foreign transaction fee that I can use while abroad. Ideally, the card would provide some travel rewards as I will be spending a lot on regional flights and train travel. I currently have a Discover It card with a $1100 CL which does not have a foreign transaction fee, but I am concerned about acceptance abroad as I have heard it is still not extremely robust.

I have a FICO score of 755 with 13 months of credit history. I pay in full monthly. I have been quite interested in several of the no annual fee travel cards, such as Barclaycard Arrival, BankAmericard Travel Rewards, and Capital One VentureOne or Quicksilver.

My dilemma is this: most of these cards are Visa Signature or World Mastercard. Thus, although I fall above the average credit score, I am not certain I have the income level or the credit card history to allow me to qualify for one of them. I would appreciate any feedback you might have on my chances for qualifying and if you think I will not qualify, it would be great if you could recommend some no foreign transaction fee cards for my history.

Thank You!

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Postby mathman314 » Sun Jun 29, 2014 9:40 pm

For your chances on getting a visa sig, I don't think you would qualify as most lenders would like to see a card with a CL of $5000+ seeing as most visa sigs start out with CLs of that amount. I do not know about World Mastercard but I'd imagine it'd be about the same.

Have your pick of the litter right here:

All of the cards have AF except for the Capital One cards and of course the Discover card. The BuyPower card from Capital One sounds enticing IMO
1FBUSA: 5.75k
Discover IT (for students): 4.6k
Chase Freedom (signature): 5k
Target REDcard: 1.5k
AmEx BlueCash Everyday: 5.5k

TU - 785 (December 2015)

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