First credit card options for a college student?

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First credit card options for a college student?

Postby CSpanky » Fri Aug 03, 2012 4:50 pm

I mean line of credit doesn't really matter, I won't be spending more than $200 a month, which will all be paid in full. I guess if there is a card with cash back or something I'd be interested but right now rewards aren't a huge deal.

I am a college student, and it will be my card, not my parents, so don't know if that changes anything.

Thanks guys and gals!

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Postby t528491 » Mon Aug 06, 2012 8:28 pm

I'm not in college currently, but I will be in the spring, so I've done quite a bit of research on the subject. From what I've read, the Amex Zync is likely to be the easiest card to acquire.

Something like the Discover More Student or Citi Forward Student might be better cards, but they will likely require a longer credit history.

If you have absolutely no credit, you may have to get a secured card first. And if your parents have good credit, you should get added as an authorized user, since that will greatly help your credit.
02/12 Authorized user on Chase Freedom ($5000)
08/12 Discover It ($1500)
08/12 American Express Zync (NPSL)
12/12 NFL Visa ($500)[/size]

[size=60]Future cards:
Citi Forward for Students 6/13
American Express Blue Cash Everyday 1/14
Sallie Mae World Mastercard 2014
Chase Freedom 2014
Penfed Platinum Rewards Card 2015[/size]

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