Applying for a credit card is an option for college graduates. Credit cards are best used responsibly. That means paying your monthly bills and not having a balance. There are many credit cards that you can choose from to help you get started. These are the options you should consider: Bank of America Cash Rewards Credit Card (r), Discover Visa Card (r), U.S. Bank Bank Alltitude Go Secured Card Card (r), and Capital One Quicksilver Rewards Card (r).
Bank of America(r), Credit Card Cash Rewards
If you're a recent college graduate, you can consider a cash rewards credit card from Bank of America. There is no annual fee or minimum spend requirement. You will also get a special introductory rate period, which allows you to pay off your purchases without any interest.
After spending $1,000 in the first 90 day of opening an account, students can receive a $200 bonus with Bank of America Cash Reward Credit Card. This is a fantastic bonus as most student credit card companies don't offer this generous bonus. A monthly FICO score will be sent to you, which is a great bonus for anyone just beginning to build their credit history.
Discover Visa Credit Card
There are many credit cards for recent college graduates on the market. There are rewards-oriented cards and others that have low annual fees. Whatever your requirements, you should find the right card for you. If you are a recent grad with good credit, it should not be difficult to get approved. You may even be eligible for a starter card that will help you improve your credit rating.
One of the best features of the Discover card is its low interest rate and rewards program. The card offers a 2 percent cash back at gas stations as well as 1% on all other purchases. You can improve your credit score by practicing good payment habits.
U.S. Bank Altitude Go Secured Credit Card
U.S. Bank Altitude Go Secured Credit Card has a great rewards program that rewards customers for making purchases. Rewards do not expire and are redeemable for a variety of merchandise and gift cards. It also allows users to instantly redeem their points via text messages.
If you're planning to graduate from college, but haven't yet established your credit score, a secured credit card might be the perfect choice. This card gives you rewards for shopping at reliable online stores. It also has no annual fee or foreign transaction fees.
Capital One Quicksilver Rewards credit card
The Capital One Quicksilver Credit Card, which is available to college graduates who are looking for a credit that will give them cashback on most purchases, is a great choice. This card offers an unlimited 1.5% cashback and 5% back on travel bookings. It also has no annual fee and no 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 offers great value for everyday spending. The 1.5% cashback rate makes it one of the most popular student credit cards. This card also has no annual fee, which makes it an excellent choice for those who plan to make regular purchases. Although they have higher base reward rates for certain bonus categories than this card, they still earn less on general spending.