
Student Credit Cards 101: Everything You Need to Know
Student cards can be helpful tools, but if you're under 21, aren't employed and lack a credit history, it won’t be easy to qualify. Here's what to know.


Student cards can be helpful tools, but if you're under 21, aren't employed and lack a credit history, it won’t be easy to qualify. Here's what to know.


If your credit limit is high enough, you could probably do it, although you'd pretty much be throwing money away.


Travel rewards cards provide more value for those who spend significantly on annual travel.


Capital One's travel card has an annual fee, but its incentives can make up for it and provide more long-term value.


The biggest boosts come from keeping your business in the B of A family for travel bookings and bank balances


Credit card convenience checks can save you money as you wipe out debt — but they can also end up costing you in interest and fees. Make sure you understand the terms.


Capital One's Platinum secured card can offer some deposit flexibility; Discover's secured card offers cash back. Here's how to decide between the two.


Secured and alternative cards are options. But even if those don't work out, there are other ways to build credit.


The card is no longer open to new applicants. Plus, more compelling no-annual-fee travel card options exist.


Earning rewards is easy. And redeeming them is refreshingly easy, too, especially compared with travel cards.


Double Cash has unlimited earning potential in exchange for very little work on your part. Getting cash back with the Discover it card is less of a sure thing.


Use it for all purchases, or pair it with a card that offers higher rewards on specific categories and then use it for everything outside those categories.


Both Capital One and Discover have excellent credit cards for students in their portfolios, though Discover’s lack of a credit score requirement means its cards are more accessible.


Cards named for metals are now likelier to be pitched to people with bad credit, American Express excepted.


If you plan your spending accordingly, the card’s rotating 5% categories can put lucrative cash-back earning power in your wallet.


Both boast a 1.5% rewards rate, but the Chase Freedom Unlimited goes a lot further, also offering bonus rewards in specific categories ranging from 3% to 5%.


Some secured cards offer a path to automatically upgrade. With other cards, you can call and ask for the change.


Both earn bonus rewards in everyday categories, but unless you're an existing Bank of America customer, AmEx's offering is probably a better fit.


If an annual fee isn't a dealbreaker, the Blue Cash Preferred will earn you the highest rate on groceries around, plus elevated rates in several other areas.


Both feature competitive rewards and potentially frustrating downsides. The best option for you depends on where you shop and, possibly, your membership plan.
