Top Three BEST Student Credit Cards For Building College Credit in 2020

What are the Three Top Credit Cards?

When choosing a credit card, it’s important to consider the features and benefits offered. Finding the right credit card can help you build credit, save money, and make purchases more convenient. With so many credit cards available, it can be difficult to know which one is right for you. To make it easier, here’s a look at the three top credit cards – Chase Freedom Unlimited, Citi Double Cash Card, and American Express Cash Magnet Card.

Chase Freedom Unlimited

The Chase Freedom Unlimited credit card offers a great combination of rewards and benefits for customers who want to earn cash back. It offers an introductory 0% APR on purchases and balance transfers for 15 months, after which a variable APR applies. Cardholders earn an unlimited 1.5% cash back on every purchase, and have the option to redeem rewards for cash back, travel, Amazon purchases, and more. The card also offers an introductory bonus of $200 when you spend $500 in the first three months.

Citi Double Cash Card

The Citi Double Cash Card is an ideal choice for those who want to earn rewards quickly and easily. Cardholders earn 2% cash back – 1% when they make a purchase and 1% when they pay it off. There’s no annual fee, and no limit to the amount of rewards you can earn. The card also offers an introductory 0% APR on balance transfers for 18 months, after which a variable APR applies.

American Express Cash Magnet Card

The American Express Cash Magnet Card is a great choice for customers who want to earn rewards quickly and easily. Cardholders earn an unlimited 1.5% cash back on every purchase, and have the option to redeem rewards for statement credits, gift cards, and more. The card also offers an introductory bonus of $150 when you spend $1,000 in the first three months. Plus, there’s no annual fee.

Key Points

• Chase Freedom Unlimited offers an introductory 0% APR on purchases and balance transfers for 15 months, plus an introductory bonus of $200 when you spend $500 in the first three months.
• Citi Double Cash Card offers 2% cash back – 1% when you make a purchase and 1% when you pay it off, plus an introductory 0% APR on balance transfers for 18 months.
• American Express Cash Magnet Card offers an unlimited 1.5% cash back on every purchase, plus an introductory bonus of $150 when you spend $1,000 in the first three months.

People Also Ask

Q: What are the best rewards credit cards?
A: The best rewards credit cards vary depending on your spending habits and goals. Some of the top rewards credit cards include the Chase Freedom Unlimited, Citi Double Cash Card, and American Express Cash Magnet Card.

Q: What is the best credit card for cash back?
A: The best credit card for cash back depends on your spending habits and goals. Some of the top cash back credit cards include the Chase Freedom Unlimited, Citi Double Cash Card, and American Express Cash Magnet Card.

Q: What are the best no annual fee credit cards?
A: The best no annual fee credit cards vary depending on your spending habits and goals. Some of the top no annual fee credit cards include the Chase Freedom Unlimited, Citi Double Cash Card, and American Express Cash Magnet Card.

What are the three top credit cards? – 10 Tips

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Discover It Student Credit Cards

This is the card that I got when I started college. I have been able to set and forget the credit card while it increases my credit score, basically on autopilot.

Discover offers two credit cards for college students. And Discover REALLY focuses on tailoring these to college students, making them the best credit cards for college students. The Discover It Student Cash Back Card is the best no annual fee cash back card for students. With this credit card, you can earn up to 5% cash back on your purchases.

The Discover It Student Chrome is the best no annual fee credit card for college students if you are looking to raise your credit score fast.

Why wouldn’t you just choose Discover it student cash back card as an obvious choice? The 5% cash back ONLY applies to specific categories. This means that your cash back rewards are probably going to suck. A better approach may be to get the Discover It Chrome credit card and just get a 2% cash back on every purchase.

Discover It Credit Card Requirements

These two credit cards are some of the best credit cards for starters. The credit score to get a credit card from Discover is low. For the Discover student cards, the minimum credit score for a credit card is 630 points. This is a great card if you’re building credit as a college student.
Discover It Credit Card Benefits

No Annual Fees on Their Credit Cards
Good Grade Rewards
Unlimited Cash Back Match
Paying Late Won’t Raise Your Interest Rates
Free FICO Credit Score

Amazon Prime Credit Card

Amazon Credit Card Requirements

Let’s talk about the Amazon Credit Card approval. The minimum requirement here is a 640 credit score. So, make sure that your credit score is at least 640 before you do a hard inquiry on your credit during the Amazon credit card application.

If you have to have an Amazon Prime account to get 5% cash back. If you have this card and you do NOT have an Amazon Prime account, then you will only get a 3% cash back on your purchases from Amazon.
Amazon Credit Card Benefits

No Annual Fees
Instant $70 Cash Back
Grace Period of 23 Days
Max Late Fee of $39
Car Rental Insurance
No Foreign Transaction Fees

Deserve EDU Credit Cards

Deserve EDU credit cards make the list for best credit cards for college students because they really tailor their product to college kids. This card is really marketed to students with little or no credit and international students who do not have a social security number.

So, this card is great if you literally don’t have any credit. But it’s not ONLY for people without any credit. Literally, ALL of their benefits are aimed at college kids.

Deserve EDU Credit Card Requirements

Since this card REALLY targets college students who don’t have any credit history, there is not really a recommended credit limit to that you HAVE to have to get this card. You don’t even have to have a Social Security Number.

This is really useful for international students who do not have social security numbers. Or if you’re just starting out and building college credit.

Deserve EDU Credit Card Benefits

Cash Back
Free Amazon Prime
Call Phone Protection Plan
No Social Security Number

If you’re an international student and you want, or need, to build your credit, then this card is perfect for you. It’s also perfect if you hardly have any credit history. This is probably the best card for building credit students can use.

While Deserve EDU is not as benefit-rich as Discover Student Credit Cards, it’s still a great option if you don’t meet the credit requirements for the Discover cards. If you’re wondering how to build credit as a college student, I recommend getting this card and getting the $300 limit on it.

Use the credit card for gas ONLY. Then MAKE sure you pay off the credit card every month. Use this to build up your credit. Within a year, you’ll have a good credit score and you’ll be able to apply for a card with better rewards if you want to.

Since there’s no annual fees, keeping the credit card account open costs you zero dollars. Keep that account open forever. The longer you have it, the larger your credit foundation will be. And this is how you can start increasing your credit score.

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