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Best Credit Cards For College Students

A college student credit card is a great way to earn rewards and build your credit. It’s best to start as early as possible building your credit if you plan on larger purchases in the future such as buying a home or purchasing a car. Mortgage lenders and auto loan providers require that you have steady income and good credit history. They also look at the length of your credit history as well as any late payments you may have had. This is why it’s best to start building credit early and paying off the credit card each month. Some banks won’t even lend to college students but others are open into giving college students a small amount of credit hoping they will become long standing customers over time.

What card is the right one for me?

Finding a student credit card that fits your unique needs can be a bit overwhelming once you start doing research and looking at the hundreds of cards available. The toughest part is picking the right card for you. Banks offer all kinds of credit cards to students with no credit history. Some cards offer 0% interest for certain periods of time as well as no penalties for late payments while others make you pay an annual fee. There are also great rewards cards that offer cash back for every purchase you make. If you have no previous credit history, some banks will only let you have a secured credit card, which means you put a refundable deposit in your account. The banks is taking a risk allowing you to have a credit card in the first place, so they are requiring this deposit to see how responsible you are.

What’s the catch?

The catch here is that it takes a disciplined person to get a credit card and use it properly to build your credit. If you can use your credit card responsibly and pay it on time each month without maxing out your credit, then you will have no problem building a good credit score so you can secure the purchase of your first home.

Now let’s look at the best credit cards for college students

We have all the basics out of the way so lets take a look at the best credit cards for college students with no credit history:

  1. Discover it® Student Cash Back Credit Card
    1. The Discover it® Student Cash Back credit card has an amazing introductory offer that we think gets the top placement. All the cash back that you have earned at the end of the first year, Discover will match ALL of it. No questions asked. No ifs, ands or buts. You don’t have to sign up to participate, it automatically happens at the end of your first year. Also, there is no limit to the amount you get back. It’s hard to match that offer 😉
  2. Discover it® Student chrome Credit Card
    1. Much like it’s sibling above, the Discover it® Student chrome credit card has the same match guarantee as the Student Cash Back card from Discover. They will match all the cash back from the previous 12 months and give it back to you. No need to sign up and there’s no limit to the amount matched back.
  3. Journey® Student Rewards from Capital One® Credit Card
  4. Citi ThankYou® Preferred Card for College Students Credit Card
  5. Bank of America® Travel Rewards Credit Card for Students
  6. Wells Fargo Cash Back College Card

Factors to consider

Now that we have presented you with a list of cards to choose from, lets discuss more of what you should look for in a credit card. Keep in mind you are just a college student and your needs differ from someone who travels more frequently for work to build airline miles. Once you have credit established and you are out of college, you can look into other credit card options.

  1. Annual card fees: Some cards have annual fees and others don’t. What this means is that just for having the credit card and keeping it active, you must pay the annual fee. This is just another way the credit card companies capitalize on you. We recommend you find cards with no annual fee. However, if you find a card that suits you and it does have an annual fee, just make a note on your calendar of when it will be due 12 months from now so you can be prepared to pay the additional cost.
  2. Sign up bonuses: The majority of the cards above offer some type of sign up bonus. To earn that bonus, you must spend a certain amount of money within the allotted time frame, usually 3 months or so. They use the sign up bonus to entice you to get their credit card in hopes that you’ll sign up.
  3. Rewards: Besides gaining a credit history, the other main reason to get a card is the awesome rewards! Make sure to find a card that offers cash back rewards on purchases that you make. To get the most out of your card, use it to buy your groceries and gas and everyday purchases, BUT make sure you pay it off as soon as you can. This is where the discipline comes in. If you are responsible with your credit card, you can gain some valuable rewards and cash back.


Which College Town is Right for You?

There are already plenty of questions to consider when deciding where to go to college. Which school is the best for your program? How much can you afford to spend? How far from or close to home do you want to be?

Though those may cover the basics, some consideration should also be given to what kind of place your college or university is in. Are you looking for a quaint, quirky college town? Or are you looking for a little city within a big city kind of feel with your campus?

Source: WalletHub

Tons of options are out there, and the choice can be overwhelming. Thankfully, the folks at the personal finance site WalletHub have created a list of the best and worst college cities and towns in America. They reviewed 280 cities across 23 different metrics like quality of higher education, crime rates, cost of living, and average monthly cost of purchases students are most likely to make.

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5 Easy Ways to Master Your Midterms

Congratulations! You’ve reached the halfway point of the halfway point of the semester. Unfortunately as a reward you’re now facing midterm exams. It seems just yesterday you were reading about them on your syllabi, enjoying how far off they seemed. Now, they’re staring you right in the face.

midterms

Not to worry! Midterms aren’t as scary as they may seem. Well, most of them aren’t. There are a few key things you can do to make sure you do well on them and are on the right track to finish out the semester.

Keep Going to Class
Midterms time also happens to be the time when it’s most tempting to skip one or two (or more) classes. Don’t do it. Often the classes leading up to the midterm are full of review material that you’re definitely going to need to know. For those of you who have already been skipping class, now would be a good time to stop skipping, and start studying.

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Here are the Top 10 Universities, According to U.S. News

Love ’em or hate ’em the annual U.S. Rankings of the country’s universities have been revealed. Though many accuse the rankings of being an outdated system where the same schools always rise to the top, they can be an interesting way to compare some of the many institutions of higher education in the country.

princeton

Though you really can’t narrow the college experience down to a few measurable data points, the people behind the U.S. News rankings try their best to determine what combination of factors creates the nation’s top schools. Factors considered include student retention, faculty resources, student selectivity, financial resources, alumni giving, and graduation rates.

Based on those factors and more, here are the top 10 American universities for 2015.

10. California Institute of Technology
Tuition and fees (2014-2015): $43,362
Enrollment: 977
The student-to-faculty ratio at the California Institute of Technology is 3:1. Its students are actively involved in research projects with NASA, the National Science Foundation and the U.S. Department of Health and Human Services.

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How to Be a Better Freshman

Freshman year is a big deal. You’re experiencing and encountering so many new things at once, and they all seem like make it or break it situations. However, you can relax knowing that while everything seems like a huge deal, in the long run, most things aren’t. By following some simple tips, you’ll be navigating your first year of college so well; people may think you’re a sophomore!

freshmen

DO create some distance; DON’T be a stranger
For many incoming freshmen, this is the first time they’ve been away from home. No matter the distance, if you’re living on campus instead of at home, it’s going to be an adjustment. Establish some sense of independence while living in the dorms. Instead of calling the parents every time you can’t figure out laundry, roommate problems or homework, try working it out on your own or asking someone on your floor.

Of course, don’t ignore your family completely. Check in periodically and share how you’re doing. Try to visit at least a few times a semester. You’ll be surprised to find how much those conversations and visits mean after being away for a while.

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Hundreds of Colleges are Still Looking for New Students

Seniors and transfer students, breathe easy. If you missed the deadlines to apply for college, or didn’t get in to your first, second, or third choices, all hope is not lost. We have a quick fix for your predicament.

stressed student

The National Association for College Admission Counseling (NACAC) said on Monday that more than 250 colleges and universities still have spots for students for the upcoming fall semester.

Though the standard deadline for acceptances is May 1, the survey conducted by the NACAC is designed to help students find a school who have missed the deadline for a variety of reasons. It also assists schools that may have not yet filled their fall classes.

If you find yourself in a college crunch check out the information provided by the NACAC. You may just find the perfect college for you.

Also Read:

Major Changes Coming to the SATs: Here’s What You Can Expect

College Applications are Due When!?

Student Attempts Graduation Backflip, Flops

 



Student Attempts Graduation Backflip, Flops

Stop whatever prep for finals you are doing and take a 1-minute laugh break. Trust me on this one, it’s worth your time.

A graduating senior from Davenport University decided to celebrate his achievement with a backflip. In full graduation regalia. It goes about as well as you’d expect. The poor guy faceplants in front of the entire crowd, much to amusement of his classmates. Happily, he got up, laughed about it himself, and walked off stage with no injuries (except maybe to his pride).

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Naps: Not Just for Toddlers

Want to increase your ability to learn and remember what you learned? Then grab a pillow and find somewhere comfy, because you need a nap.

napping

Multiple studies have proven the benefits of taking a mid-afternoon nap, especially in the areas of learning, focus, and memory. Researchers with Berkeley found taking an hour-long nap during the day can dramatically increase the ability to learn and remember.

A nap provides an opportunity for your brain to reboot; your short term memory is cleared out, and the brain is prepared to take on new information. Slipping a nap between morning and afternoon classes is a good way to help you do better in both.

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Greek Life: Not Just What You See in the News

Another day, another story about Greek-letter organizations doing things to reinforce every stereotype people have against them. What was it this time? The chapters of Beta Theta Pi fraternity and Chi Omega sorority on the University of Pennsylvania campus held a mixer with a “gangsta” theme.

college party

The chapters are now, deservedly so, getting reamed for being culturally insensitive. This party led a columnist for Philadelphia Magazine to label UPenn students “shmucks” in a letter addressed to “Penn Kids.”

He wrote, “You’re not actually kids, after all: You’re adults. Maybe you were raised with too much “faux” ironic comedy racism in your pop culture to know the difference, but making fun of other races? Not actually cool. So grow up.”

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Federal Minimum Wage Increase is Good News for Students

If President Obama‘s plan to raise minimum wage goes through, plenty of people will benefit. One group in particular may see a direct benefit, but they probably aren’t the first group of people thought of during minimum wage discussions.

work study

College students who are part of the Federal Work-Study Program, which helps them pay for their education, would be directly impacted by an increase in minimum wage. The program itself could also see some changes as award packages would have to be altered to allow for what essentially amounts to multiple students receiving raises at once.

Students participating in a Work-Study program are required to be paid at least federal minimum wage. Currently, that means making at least $7.25 per hour. If the raise in minimum wage goes through, their pay would increase to at least $10.10 an hour. Some Work-Study participants already make more than that depending on their individual circumstances.

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