The 6 Best Credit Cards For College Students
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- เผยแพร่เมื่อ 30 ส.ค. 2022
- In this video, we’re going over the 6 best credit cards for college students. These credit cards for beginners are all fairly easy to be approved for and they each have no annual fee, earn cash back, and have other good benefits that make each one a good credit card. So if you’re a college student or anyone else getting some sort of an education, then any one of these 6 student credit cards will be perfect for you!
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Hahaha just got a subway sandwich with my discover card. BAM 5% back BABYYY
As a college student, great video! The Discover IT was my first credit card, don't use it too often anymore because of the credit limit but it's a solid first choice!
I mistakenly closed my Discover card because I didn't want to use it anymore, not realizing that would hurt my overall utilization - woops!
How are you verified with 16k subs?
Hard to beat that Discover It Cash-Back.. Loads of those cards all over college campuses haha. Great video Daniel!
Getting started with credit cards while in college puts you WAY ahead of your peers when setting yourself up for financial success. That is of course if you use it responsibly and only spend money on the card that you have in the bank. If you use your credit cards like a debit card, you'll be able to build up that credit score early and get a headstart on building that financial future everyone's looking for.
I personally got started with the Chase Freedom Student and it served me really well as I was able to get started in Chase's ecosystem from the get-go. Because of that relationship I built with them, I haven't been denied from any of their card applications thus far and I've been able to rack up a ton of Chase points that I can use for free travel down the line. Great video as always Daniel!! This is a really important topic and you covered it very well!
great card selections for college students. Also like that alumni plug you added haha, networking's so important!
Great video Daniel, has a lot of helpful information in it. I'm definitely gonna be sharing this with my nieces and nephews that are just starting out on their college years now. Thank you for uploading it
Just Paid my credit balance in Full!! 🙃🙃🙃
Awesome, great to hear!
Excellent video Danny. I think for students, those catch-all cards are the way to go. Speaking of the Capital Savor One, that has to be one of the most underrated cards on the market, especially the full version. It offers terrific returns on a wide breadth of categories, plus some travel rewards (almost unheard of for a cash back card) and no foreign transaction fee.
All of these cards are good choices though for college students and I agree in that the main thing is to form good spending and paying habits as well as developing positive credit relationships with issuers. It all starts there.
Great list here Daniel! I think the availability of local banks also can play a factor for college credit cards. Although Chase probably the best one to start with, if there are no Chase banks, maybe it's better to go with another issuer. That was the case with me and Bank of America - thanks for mentioning their student card as one of your picks! Underrated card for college students IMO!
Discover it. The goat of starter cards. Use it for a year and put all your spend on it for that first year match. They matched $312 for me for over $600 bucks back on what i was gonna spend anyway. Generous credit line increases as well without asking i went from $1500 limit to $4k by the end of the first year. Can't recommend more
Absolutely, the Discover It is one of the best starter cards for anyone! That's a great cash back match and credit limit increase you got!
The video recommendation fully manifested! Thank you so much Daniel!!!
Haha you got it! Definitely a video I've wanted to make since I wish I followed this stuff more when I was in college!
It also depends where the students bank at. You're more likely to skip the nonsense of low-limit CCs if you already have a healthy bank balance ($10K+ combined balance) at a national bank and apply for a CC with them. I still keep my low thrills CC I got in college 15 years ago because it is has an insane limit ($50k). Canceling it would wreck my credit score (818 atm), so I just dump some recurring monthly fees on it to keep it active.
Thank you so much, my son just received his card because of you.❤
Graduated college but I’m here for the TH-cam algorithm!
thank you for the informative vid kind sir.
Currently in college and its funny that you brought up the BOA card, because that actually was/is the first credit card I got back in 2020! Definitely is a solid first card to learn with as I now have entered the Chase Ultimate Rewards Points world
I love discover for allowing beginners to get started with little to no credit with the security deposit that gets paid back after a few months of smart spending.
Thank you so much man, I just turned 18 yesterday and your videos are really helpful so I know how to be smart about my future, i ended up w chase freedom bc i was already with them for my high school checkings
Thanks so much for watching James! Glad to hear that the video was useful and that you were able to go with that card
Have been meaning to get a card to build credit. This is super straight forward and to the point, thank you!
Even though this is my last semester, I might have to snag one of these while my student email is still active
what i do to hit the bonuses quickly is buy giftcards to places where i do the majority of my shopping and just use the giftcard til it runs out. I'd be spending that money eventually so it works great
List of all the cards mentioned in the video!
- Discover It Student Cash Back
- Capital One SaverOne Rewards For Students
- Capital One Quicksilver Rewards For Students
- Chase Freedom Student (3% Foreign Transactions)
- Deserve EDU Mastercard For Students (No SSN requirement)
- Bank of America Customized Cash Rewards For Students (3% Foreign Transactions)
This was such a good video
Hey Daniel! Do all of these cards leave a hard inquiry? I wanted to get the discover it and capital one savor but was unsure whether to get these at the same time!?
Could you do a video of the discover card vs a chase flex card?
I will be getting the Capital One Quicksilver card in a few days with a $200 welcome bonus when spending $500 within the first 3 months. My score is good but now I’m wondering if there’s higher welcome bonuses for those with higher scores.
Great work Daniel
frfr
While it's generally too early to talk to students about Preferred Rewards, it's important to note that BoA is a relationship bank and issuer. If you don't have accounts with them, your odds of denial are high. If you have accounts with them and then later buildup your investments that you have with them, Preferred Rewards can kick in and earn you higher returns on your BoA cards.
Relationships, relationships, relationships :)
Just got my first credit card, its the Golden 1 Member Cash Rewards credit card, is it good? 3 percent on gas, 3 percent on groceries, 3 percent on dining, and 1 percent on everything else.
Going to get a discover card. Don’t know if i should get it this summer or near the start of the school year
I’m a college student and I got my first credit card and now I’m looking for a travel credit card. Any recommendations that’s a good travel card for college students?
Honestly Daniel I got the deserve EDU as my second card as a freshman in college, first being a discover card. I’ve since graduated and still have the deserve account open. But they still have not increased my credit limit from $300 even after having it for 4 years, and I have substantially higher CL’s with other cards like my delta gold Amex, Apple Card and BofA customized cash rewards. Even discover has increased my limit by a LOT. The deserve credit limit remaining stagnant even after having the account for 4 years is honestly just kinda disappointing.
Hey, Daniel Braun I am new to credit cards and just had a quick question if you had time! Say I buy something for 200$ and pay it off with a debit card the next day before my statement closes does that 200$ count towards earning points and going towards the spending amount for the Welcome bonus or does only what gets reported at the end of the month benefit you.
Yes it should. But what I recommend is letting the purchase process completely and then pay it off after it processes.
Great video! I think the Capital One SavorOne Student is probably the best choice for a first card!
Thanks so much! Yeah I really love all that the SavorOne offers - lots of value for no annual fee!
Any thoughts on the Apple credit card? I don’t have any credit score right now
To all the students starting their credit journeys: WELCOME! 😃🎓💳 (And Daniel I think a lot has changed since “not paying attention to credit cards” hahaha)
Mark, when I was in college, we could just get a basic credit card with essentially no rewards back in the day. You literally charged expenses solely to build credit, but you got nothing in return. A lot has changed.
@@sjg6158 - Indeed!
What’s your thoughts on the Citi double cash card? From my understanding is it basically unlimited 2% on any purchase?
Citi Double Cash is a pretty good card, very basic but 2% unlimited cash back on everything makes it a good catch all card for any purchase!
My teen was suppose to start college this fall but decided to take a gap year. What card do you recommend? Do you recommend she bank with Chase and then get a card?
What card do you recommend that is a visa? I shop at Costco a ton and they only take visa
I wish I know all of these 10 years ago Hahaha
Could I get a student credit card and after building my credit for a year or maybe 2 go out and get a normal card with better benefits?
Is it available for international students as well?
Is the discover it student cash back card secured or non secured ?
Im an international student and im wondering from ppl who use credit cards, would it be ok to have multiple cards ? I already have discover and plan to make BOA.
Ay lets go penn state
Can I get approved if I have a charge off but in college ?
We Are!
Does anyone know what happens to the chase freedom student card after it expires and you are no longer a student? Am I able to transfer the account to the chase freedom unlimited card without impacting my credit score?
I clicked here because I’m in the process of closing my current credit card account with BOA so I’m researching my best options. Let me just say, there’s a reason why the BOA Customized Cash card is last; it sucks! The only advantage that comes with this card is the 18 months of 0% APR which is a longer period than most credit cards. Their interest rate is through the roof, it seems as if they charge the highest amount of interest possible. Additionally, BOA tends to work against you whenever fraudulent transactions occur on your account. Where a bank like Chase provides you with the funds during the investigation period, BOA does not. They also tend to side with the fraudulent party as if it’s your fault. Lastly, the have 3% foreign transaction fee that I was unaware of until watching this video. Overall, I would not recommend that card for students. Based on this video, it seems like the best 2 options are the DISCOVER IT card and the Chase Unlimited card. Thank you for this vid.
What happens if I am not eligible for these credit cards. I have applied to several already and they all tell me the same thing.
Can you make a new one for 2023
which one doesnt require an ssn
Not going to lie I might just get the discover one bc the cards are cute
What is a chase plan fee? I was reading through the terms and saw this.
Chase has replaced the student with rise. Perks are better now than they were
Yeah that's a really great update to that card from Chase! I'll have to make an update to this video in the future
I’m 18 in college, don’t have a job, my parent is my main source of money. Should I get a student card or a secured card?
What you need to get is a job lol
Jk
Talk to parents first to make sure they’re fine with paying off your monthly balance when you’re out of work, meanwhile look for a campus job. Even if jobless, as an active college student you should be all set to apply for Card #1 and #2
Is Bank of America that bad ?
Yep.
1
Good video! I got my daughter started with the Discover IT Student then she went straight to the Amex Gold. I want to get her into Chase now so maybe it'll be the Chase Freedom Student
Awesome, that sounds like a good plan for her! Thanks so much for watching!
Subscribble!
😂😂😂😂😂😂
it sounds like %$€£$~££!!!!
Why Is Everyone Has The Credit Card Except For Me I’m 12 Years Old :(
such fast speaking
I’ve been using the Discover It Student card and after 6 months I now also have the chase freedom flex.
Hi Darvon, would you mind sharing your score at the time of your Flex application?
got the discover it cash back. going to apply to the savorone and quicksilver soon
just curious, has discover ever asked you for proof of income after getting the card?
@@anax9070 Discover never asked me for proof of income, and not sure if this is always the case or not but my initial credit limit was exactly 10% of my annual income.
Yeah same i’m gonna apply for quicksilver, i got the discover with a 500 limit