You can't have a strong credit card portfolio if you're just starting your career or a recent college graduate. After all, if you've built up your credit history during college, your chances of approval for rewards cards are better than ever. Grads with good credit can choose from a variety of cards based on their budget, credit history, and spending plans.
Capital One QuicksilverOne Credit Card Cash Rewards
The Capital One QuicksilverOne Cash Rewards credit card is a great option for recent college graduates who have fair to average credit and are looking to build credit. This card has a $39 annual fee, and offers 1.5 percent rewards on every dollar spent. Cash back can be used for monthly payments or redemptions for statement credits.
Capital One offers several credit cards that offer premium rewards to recent college graduates. SavorOne Student and QuicksilverOne Cash Rewards are two popular options. These credit cards have similar benefits to the premium rewards cards but are designed for recent college graduates. After purchasing $500, the cards offer decent rewards as well as a $200 bonus.
Capital One SavorOne Students Cash Rewards Credit card
Capital One SavorOne Student Cash Rewards Credit Cards offer a host of benefits that are ideal for students. Capital One SavorOne student cards do not have foreign transaction charges, making them a great option for those who travel a lot. You can also earn rewards on dining and entertainment expenses. The card does have some limitations. It earns cash back at a lower rate than other 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 credit card
If you are a recent college graduate and are looking to build your credit, consider applying for the Capital One Platinum Secured Credit Card. The card isn't expensive, but there are no foreign transaction fees and an annual fee. MoneyGeek's review provides more details about the card. It will give you an overview of the features and compare it to other credit cards.
Recent college graduates will also love the Capital One SavorOne Cash Rewards Credit Cards. You will earn rewards on everyday purchases with this card. It can also help you to build your credit history, build good habits, and increase your credit score. It can lead to a 6-month credit increase. This card allows you to earn 1% cashback on all purchases. Cash back can be increased to 1.25% if you pay your bills on time.
Petal 2 "Cash Back, No Fees" Visa Credit Card
The Petal 2 Visa Credit Card, Cash Back, No-Fees, for recent college graduates, is designed to help recent grads build credit and manage finances. 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 read-only access to your account, but it will not store 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. While it rewards good credit behavior, the rewards structure could be confusing for those new to the program. It's a great option for recent grads that don't want to have to pay annual or monthly charges but still need a creditcard.