I remember applying for my first credit card sophomore year of college, and the feeling of economic freedom that came along with it. It was a silvery foil Citi Dividend Platinum Select Card.
That first card led to a love/hate relationship with credit which eventually helped me found a popular credit card deals comparison portal three years ago.
If you’re a student in the market for a credit card, you’ll find some of Outlaw‘s top picks for May below, including my first credit card. Keep in mind, student credit cards are normally for those who are new to the credit game. If you already have an established credit history (previous credit card accounts, or perhaps a car loan), you may be better served by looking at the “regular” credit card offers out there – click here to see those.
While student credit cards are often easier to get approved for, they don’t normally have as many perks – nor as long of a 0% introductory APR period – as their non-student counterparts. Of course, after using your student card responsibly for a while and building up a steady payment history, you can apply for a better offer.
The Best Student Credit Card Offers For May 2012:
Journey Student Rewards from Capital One – This one is “designed to help students build good credit with responsible use.” In addition to receiving access to your monthly credit score, and an interactive tracking tool to help monitor your credit, you’ll earn 1% cash back on all purchases, plus a 25% bonus each month you pay your bill on time. No annual fee. Apply online and compare with other student credit card products here.
Discover Student Card – Earn a $20 cashback bonus when you make your first purchase on the card within 3 months of approval. Additionally, there’s 0% Intro APR for 6 months on purchases. No annual fee. Apply online here. You’ll also earn cashback: “5% Cashback Bonus®* in categories that change like gas, groceries, restaurants, department stores and more,” and up to 1% cashback on all other purchases.
Citi Dividend Platinum Select Card for College Students – This was my first credit card! It’s cool that Citi still offers a version of it to students today. No cosigner required, and you’ll earn “5% Cash Back on purchases at supermarkets, drugstores, gas stations, convenience stores & utilities (including cable) for 6 months; 1% thereafter.” 0% Intro APR for 7 months on purchases and $0 annual fee. Apply online here; third page of offers sheet.
Citi Forward Card for College Students – 0% Intro APR for 7 months on purchases, no annual fee, and you’ll earn “1,000 points after you sign up for paperless statements within the first 3 months of account opening.” Compare and apply online here; third page of offers sheet.
Disclosures: We’re a credit card promotions site, and as such we maintain financial relationships with numerous banks and financial institutions, including the offers and cards mentioned or featured herein. This article originally appeared in slightly different form on Credit Card Outlaw‘s student credit offers vertical.
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