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Best Credit Cards for Students?

I'm 18 and I'm graduating high school in May, and I'll be off to College. I've been looking at some and there are two that have my attention. The one I would like to get is the Journey Student Rewards from Capital One. It says it builds your credit. (But don't most credit cards?) and the other one I'm looking at is the Discover It for Students. But it doesn't say it helps build your credit? But maybe it does? I have no credit, I did make over a little $10,000 this last year. I just want something I can use for example like gas and then pay it off in a couple weeks. I'm also looking for something that will build credit, so I can get a good score and maintain it. I do have a checking and saving accounts with money in both. Are there any other cards I should look at? I'm new to this credit game so any info you can help me understand things would be great! Thanks!

2 Answers

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  • Anonymous
    7 years ago
    Favorite Answer

    Your best option is to ask your parents to cosign for you. In 12 months you have a fair score 620/659, in 24 a good score 660/749 and in 36+, excellent 750/840.

    Source(s): Retired bill collector 35 years
  • 7 years ago

    CapOne and Discover credit cards report to the credit bureaus and will build your credit. Since you have a job and income, you might qualify but $10K annual income is a little on the iffy side.

    CapOne might be the easier card to get but Discover has better customer service. Either one will work fine as long as you pay on time.

    When you do get a card, use it for regular purchases like gas and pay the STATEMENT balance in full every month. That will build credit and avoid interest. Always wait and pay by the statement, not the online balance. The online balance includes charges that are not due yet.

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