Best Credit Cards For Students Reddit

College life can be daunting for students as they juggle their education, part-time jobs, and expenses. But, the good news is that there are financial tools available that can help students manage their finances better. One such tool is credit cards. But with so many options, how do students choose the best credit cards for their needs? Look no further, as we have combed through Reddit to find the best credit card recommendations for students, based on real experiences and expert advice. Read on to find out more about these top options and how they cater to a student’s needs perfectly.

1. Discover it Student Cash Back

One of the most popular credit cards for students on Reddit is the Discover it Student Cash Back card. With a bonus cashback program and no annual fee, this card is ideal for students looking to earn rewards while they spend.

• No annual fee
• 5% cashback on quarterly rotating categories (e.g., restaurants, gas stations, Amazon.com, etc.)
• 1% cashback on all other purchases
• Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher (for up to 5 years)
• Intro offer: Cashback match at the end of your first year
• No foreign transaction fees

2. Journey Student Rewards from Capital One

A popular choice among students looking for a credit card with a simple reward structure is the Journey Student Rewards from Capital One.

• No annual fee
• 1% cashback on all purchases, and an extra 0.25% cashback for paying on time
• Access to a higher credit limit after making your first 5 monthly payments on time
• No foreign transaction fees
• Ability to choose your monthly due date

3. Bank of America Cash Rewards for Students

For students who want a customizable cashback experience, the Bank of America Cash Rewards for Students card offers flexibility with its rewards program.

• No annual fee
• 3% cashback in the category of your choice (gas, online shopping, dining, travel, etc.)
• 2% cashback at grocery stores and wholesale clubs
• 1% cashback on all other purchases
• Introductory 0% APR for the first 15 billing cycles (then 13.99% - 23.99% variable)
• $200 online cash rewards bonus after spending $1,000 in the first 90 days

Best Credit Cards For Students Reddit Example:

Imagine you're a first-year college student looking for a credit card to help cover your expenses and build credit. After reading Reddit recommendations and doing some research, you decide to apply for the Discover it Student Cash Back card. As an avid Amazon shopper, you love the idea of getting 5% cashback during the months when Amazon.com is a featured category. Plus, the Good Grades Rewards program rewards you for maintaining a high GPA.

Throughout your first year, you use your Discover it Student Cash Back card for everyday purchases, including textbooks, groceries, and dining out. At the same time, you make sure to study hard and maintain a 3.5 GPA. At the end of the year, you earn a $20 statement credit as a reward for your good grades, and Discover matches your entire year's cashback as an introductory offer. Overall, the card has helped you manage your expenses better and even earned you some rewards along the way.

There you have it – the top Reddit-recommended student credit cards to help you make the most of your college experience while building credit and earning rewards. Keep in mind that responsible credit use is essential to ensure you build healthy credit habits for life. As you start your credit card journey, be sure to explore other Flik Eco guides on personal finance to help you make informed decisions and set yourself up for financial success. Don't forget to share this article with your fellow students looking for the perfect credit card for college life.