Which Credit Card Promotions Should College Students Consider This Fal

Student credit cards allow students to make a purchase at the store without having to pay it first with their own money as well as build credit and establish some financial responsibility. You should get a student credit card if you have a part time job and can afford to make the monthly repayment on time. By using a credit card for shopping, you will be able to save money by earning cash back. The following are the top three student credit cards that college students can apply for this Fall.

1. Capital One Journey Student credit card
Capital One Journey Student credit card allows you to earn 1% cash back on all purchases without any restriction on spending limit or bonus category. In addition, you can get 0.25% cash back bonus on all purchases if you make at least the minimum repayment. You can get access to a higher credit line if you make on time repayment for at least 5 months. Capital One Journey Student credit card does not have any annual and foreign transaction fee. The late payment cost is $35 and the cash advance cost is $10 or 3%. The purchase APR is quite high and starts from
24.99%.

2. Discover it for Students
Discover it for Students allows you to earn 5% cash back up to $1,500 limit per quarter on rotating bonus categories. Other purchases made on the card will earn 1% cash back. Cash back for Discover it for Students card is redeemed in the form of a statement credit, direct deposit into bank account credits that can be used to purchase stuff on Amazon. It automatically doubles cash back at the end of the first year and you are entitled to get $20 cash back if your GPA is above 3. The annual and foreign transaction fees are waived. Besides, the late fee is waived on the first late payment. With Discover it for Students, you can enjoy 0% introductory APR in first 6 months, after which you will be charged with an interest rate in between 13.99% – 22.99%.

3. Discover it Chrome for Students
Discover it Chrome for Students allows you to earn 2% cash back on dining and gas purchases up to $1,000 per quarter. If you spend above the limit, you will earn 1% cash back. Other purchases will also earn you 1% cash back. You can get $20 cash back for up to 5 years of GPA stays above 3.0. The cash back can be redeemed in a variety of ways including statement credit, check, direct deposit into bank account and gift card that can be used on Amazon. There is no annual fee or foreign transaction fee or late fee on first late payment. Discover it Chrome for Students features a 0% intro for first 6 months, after which the purchase APR is 13.99% – 22.99%.