What are the Top Credit Cards for College Grads?

Top Credit Cards for College Grads

As a college graduate, you may be wondering which credit cards are the best for you. After all, you've worked hard to get your degree, and now it's time to start building your credit history. Here are some of the topcredit cards for college gradsthat can help you establish credit, earn rewards, and save money.

1. Discover it Student Cash Back

The Discover it Student Cash Back card is a great option for college grads who are new to credit. It offers 5% cash back on rotating categories like gas stations, restaurants, and Amazon.com, and 1% cash back on all other purchases. Plus, Discover will match all the cash back you earn at the end of your first year, making this card even more rewarding.

2. Chase Freedom Student

The Chase Freedom Student card is another great option for college grads. It offers 1% cash back on all purchases, plus a $50 bonus after your first purchase. You can also earn 5% cash back on up to $1,500 in combined purchases in rotating categories each quarter you activate.

3. Citi Double Cash

If you're looking for a card that offers cash back on all purchases, the Citi Double Cash card is a great choice. It offers 2% cash back on all purchases – 1% when you buy and 1% when you pay – withno annual fee. Plus, you can transfer yourcash back rewardsto a Citi ThankYou account, where you can redeem them for travel, gift cards, and more.

4. Capital One Quicksilver Cash Rewards

The Capital One Quicksilver Cash Rewards card offers 1.5% cash back on all purchases, with no annual fee. Plus, you can earn a $200 cash bonus after spending $500 in the first 3 months. This card also offers 0% intro APR on purchases for 15 months, making it a great option if you need to make a big purchase and pay it off over time.

Tips for Applying for a Credit Card

When applying for a credit card, it's important to choose one that fits your needs and spending habits. Here are some tips to keep in mind:

1. Check your credit score before applying. You can get a free credit report from each of the three major credit bureaus once a year at AnnualCreditReport.com.

2. Look for a card with no annual fee. Many credit cards offer great rewards, but they often come with an annual fee. If you're just starting out, look for a card with no annual fee to avoid unnecessary costs.

3. Read the fine print. Make sure you understand the terms and conditions of the credit card before you apply. Look for things like interest rates, fees, and rewards programs.

4. Use your card responsibly. Remember, using a credit card is a big responsibility. Make sure you only charge what you can afford to pay back, and always pay your bill on time.

In conclusion, there are many great credit cards available for college grads. Whether you're looking to earn cash back, rewards, or simply build your credit history, there's a card out there for you. Just make sure to do your research, read the fine print, and use your card responsibly. With a little bit of effort, you can establish a strong credit history and enjoy the benefits of credit card ownership.