I have no credit because I have never owned a credit... - Student Credit Cards Questions

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Credit Card Applications » Questions » User Questions » Student Credit Cards » I have no credit because I have never owned a credit card before. I will be an undergraduate...

I have no credit because I have never owned a credit card before. I will be an undergraduate student for the rest of this summer 2014, but I get my degree in July 2014. I want to build credit, first and foremost. Ultimately I want to qualify for cards with rewards for travel. I am wondering if I can apply for a student card since I will not be a student after July? I do not care about APR or if there is an annual fee, but I am interested in cash back rewards. Do you have a recommendation for me?

Answered on
The content is accurate at the time of publication and is subject to change.

You can apply for a student credit card since you are currently a student. After graduation, you can keep using your student card. If you want a cash back credit card, you should consider the Discover it® Student Cash Back card. The card offers 1% cash back on all purchases. You can even get 5% cash back if you enroll in rotating categories every quarter. Also, shopping via Discover Deals will bring you from 5% to 20% cash back.

If you are planning to apply for a credit card after your graduation, you should consider credit cards for people without credit history.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
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Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants or Amazon.com up to the quarterly maximum each time you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Fair Credit
Enjoy 0% Intro APR for 7 months on purchases from date of account opening; after that the variable APR will be 16.24% - 26.24% based upon your creditworthiness*
Good Credit
2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter - no sign-ups needed. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Fair Credit

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