You need a solid credit portfolio to ensure your financial success, whether you are a recent college grad or just starting out. If you have a good credit history, your chances of being approved for rewards cards are higher than ever. Good credit graduates can choose from several cards that are tailored to their spending plans, budget, and credit history.
Capital One QuicksilverOne Cash Rewards Credit Card
The Capital One QuicksilverOne Rewards credit card, which is available to recent college graduates with fair to good credit and who want to build credit, is a great choice. This card is designed to help new grads rebuild their credit by offering a low annual fee of $39 and a rewards program that allows consumers to earn 1.5 percent back on every dollar they spend. The cash back can either be used to pay monthly bills or to redeem for credit on your statement.
Capital One offers many credit cards with premium benefits for college graduates. SavorOne Student, QuicksilverOne Money Rewards are both popular choices. These credit card options are similar to the premium reward cards but are targeted at college graduates. Both cards offer decent rewards, as well as a $200 bonus if you make a purchase of $500.
Capital One SavorOne Student Cash Rewards Credit Card
Students can enjoy a variety of benefits with Capital One SavorOne Cash Rewards Credit Cards. The Capital One SavorOne Student card does not charge foreign transaction fees, so it's a good choice for students who travel a lot. Rewards can be earned on dining and entertainment purchases. There are some drawbacks to the card, including a modest cash back earning rate that is not applicable to favored categories.
Capital One SavorOne Credit Card Cash Rewards offers cashback for purchases at restaurants, cafes and grocery stores. Cashback is possible at most stores, but it doesn't apply to Walmart and other large-box retailers. You can get up to 3% cashback on your everyday purchases with the Capital One SavorOne Credit Cards.
Capital One Platinum Secured Visa Card
Apply for the Capital One Platinum Credit Card if you're a recent college grad and want to build credit. Although the card doesn't have many extras, there is no annual fee and no foreign transaction charge. MoneyGeek's review provides more details about the card. It will give a summary of the features and help you compare it with other credit options.
Another great option is the Capital One SavorOne Credit Card Student Cash Rewards. The card offers rewards for everyday purchases, and can help build credit history and good habits. It can also lead to an increase in your credit limit within six months. This card earns you 1% cashback when you purchase. You can get 1.25% cash back if you make your payments on-time.
Petal 2 "Cash Back, No Fees" Visa Credit Card
The Petal 2 "Cash Back, No-Fees" Visa Credit Card for recent college graduates is designed to help recent grads manage their finances and build credit. It will take into account your income and your spending habits. You may even be able to factor in your credit score. You can apply by linking your bank account to Petal. The site will have access to your account but not your login credentials.
WebBank's Petal 2 Visa Credit Card "Cash Back, No Fees" for college graduates is a good option for students with poor credit histories. Although it offers rewards for good credit behavior and rewards, the rewards structure can be confusing for novices. For recent grads looking for a credit card, but not wanting to pay monthly or annual fees, this may be the best choice.