Student Credit Cards FAQS

October 03, 2019
No, you won't need a co-signer to apply for a student credit card or Amex Everyday. In fact, there are not many issuers that would allow co-signers. That is actually great as cosigning is a complicated thing. Having your own credit card from the beginning is a great way to learn finances, responsibility, and to start building credit. You may qualify for a student credit card as long as you are at least 18 years old, have SSN, U.S. citizen/resident, and have verifiable income. To qualify for the Amex Every Day card, you should have at least good credit history. If you already have some credit accounts, make sure they are in good standing to increase your chances to qualify. Issuers...
October 03, 2019
The Amex EveryDay card is for applicants with good or excellent credit history. If your credit is lower, we would recommend considering a different credit card. Since you are a student, you can apply for a student credit cards. These cards are rather easy to qualify for but there still are some approval requirements. The requirements are simple: you should be a student over the age of 18, be a U.S. citizen or resident, have SSN (Social Security Number), have a verifiable income (your part-time job and money form parents will do), and you should not have bad credit already. You may qualify for a student credit card even if you have little or no credit history at all. That means, you still...
July 25, 2019
Starting credit history from the very beginning is always better than improving it and credit card issuers are not too captious.Look into credit cards for those with limited/no credit history: these cards are created for newbies. The cards have quite high APRs and fees. However it is possible to find a card with 0 intro APRs or without annual fee. Also some cards offer bonus programs: you can earn points or cash back on purchases you make.If your son wants a bonus credit card, Wells Fargo Cash Back College Card is not the best option as it has no bonus.
July 11, 2019
If you do not have any negative items on your reports (like late or missed payments), you should have good chances to qualify as the Cash Rewards card from Bank of America is offered to people with limited credit. The only obstacle is credit limit you would be given. If you are not approved for a high enough credit limit, you won't be able to transfer the whole balance from your current credit card. Also, note that the card has a balance transfer fee which you will need to pay when you request a balance transfer. We would recommend you calculate if it's worth opening a new credit card and transferring your balance to it.
October 16, 2018
If you have a stable income that exceeds your expenses and have a valid social security number, you can qualify for a student credit card. Student cards are created to help students start building their credit history. They often come without application and annual fees. As for the monthly fees, they will depend on your card balance and the interest rates. You can avoid interest payments, though, by paying off your credit card balance in full each month. All your credit card payment activity will be reported to the major credit bureaus, which is important when you build credit. Try to make at least minimum monthly payments on time and keep your debt low to build good credit.
August 04, 2018
Best credit card is always the one that is right for your tastes, needs and credit profile. You can compare Student Credit Cards on our site. First of all you need to make sure you meet credit history requirements and then choose according to your taste: Unique designs, special rewards for young people, 0% interest rates on purchases for the introductory period, no annual fee, easy online account management, reminders to help you avoid fees and other built-in student benefits. Used wisely, your credit card will be of great help for you.
May 08, 2018
If you're getting your first-ever credit card, you'll want to look for a card that's designed for folks with limited credit, or no credit. It can take a little while to build a credit rating, but the good news is that it isn't hard to do. Getting a credit card is the first step. If you can find one that also earns rewards, even better. And don't worry – there are plenty such cards out there. Look for a card with "student rewards" in the name. A store card can be another good choice. Something like a QVC card, to use for shopping through the home shopping network that also has a website, may have limited use, but will help you establish a credit history. Retail cards have their pros and...
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