You might be a recent college graduate and want to apply for credit cards. It's important to use credit cards responsibly, which means paying them off every month and not carrying a balance. There are many credit cards that you can choose from to help you get started. You have a few choices: Bank of America(r), Discover Visa, U.S. Bank Bankaltitude Go Secured Credit Card and Capital One Quicksilver Rewards Card.
Bank of America(r), Cash Rewards Credit Card
If you're a recent college graduate, you can consider a cash rewards credit card from Bank of America. It has no annual fee, and there are no minimum spending restrictions. You can also enjoy a special APR period to allow you to pay off your purchases without interest.
The Bank of America Cash Rewards Credit Card for students offers a generous $200 bonus after spending $1,000 on purchases in the first 90 days of opening an account. This bonus is great, as many student credit card do not offer such generous bonuses. In addition, you will receive a free FICO credit score each month, which is a nice touch when you're first building your credit history.
Discover Visa Credit Card
There are many credit cards for recent college graduates on the market. Many of these cards offer rewards, while others are low-annual fees. Either way, you'll want to find a card that fits your needs. If you're a recent graduate with good credit, you should be able to get approved without too much trouble. You may even be eligible for a starter card that will help you improve your credit rating.
One of the most appealing features of the Discover Card is the low interest rate and rewards system. The card offers cash back up to two percent at gas stations and an additional 1% for all other purchases. If you have good payment habits, your credit score can be built over time.
U.S. Bank Altitude Go Securable Credit Card
U.S. Bank Altitude Go Secured Credit Card has a great rewards program that rewards customers for making purchases. Rewards are never expire and can be used to purchase a variety gift cards and merchandise. You can also redeem your points immediately through text messages.
A secured credit card may be the right choice for you if your goal is to graduate college. However, credit scores are not yet established. You can earn rewards by shopping at trusted online shops. You will not be charged an annual or foreign transaction fee.
Capital One Quicksilver Rewards Card
A great choice for college graduates looking for a creditcard that earns them cash back on all purchases is the Capital One Quicksilver Reward Credit Card. This card offers unlimited 1.5% cash back on most purchases and 5% cash back on travel bookings. It has no annual fee or foreign transaction fees. However, you should keep in mind that there are terms and limitations to these benefits.
The Capital One Quicksilver Rewards Credit Card can be used for everyday purchases. It has a 1.5% cashback rate, which is the highest among student credit card. This card is also free of an annual fee. It's a great option for students who plan on making regular purchases. Many other student cards earn higher base reward rates on bonus categories, but they earn less on general spending.