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Best Credit Cards for College Graduates in 2022

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Just graduated college and entering the “real world?” Congratulations! It’s time to start building your credit history. A good way to start is by getting a credit card. But with so many different cards on the market, which one should you choose? We’ve got you covered. In this blog post, we will discuss the best credit cards for college graduates in 2022. We’ll cover everything from student cards to rewards cards to cash back cards. So whether you’re just starting out or you’re looking for a new card, read on for the best options available!

How to get a Credit Card Without a Job?

If you’re a college graduate, you might be wondering how to get a credit card without a job. The good news is that there are plenty of options out there for you. Here are some of the best credit cards for college graduates with no job in 2022:

The Discover it® Student Cash Back card offers up to $20 cash back each school year (for a total of $80). You’ll also get a 0% APR on purchases and balance transfers for six months. There is no annual fee.

The Citi Rewards+ Student Card gives you two points per dollar spent at supermarkets and gas stations (for up to $6000 per year) and one point per dollar spent on all other purchases. You’ll also get a 0% APR on purchases and balance transfers for seven months. There is no annual fee.

The Chase Freedom Unlimited® card gives you unlimited cash back (earn five percent on travel purchased through Chase, three percent on dining and drugstores, and one point per dollar spent on all other purchases). You’ll also get a $200 bonus after spending $500 in the first three months from account opening. There is no annual fee.

What Are The Best Credit Cards for College Graduates?

As a college graduate, you’re probably looking for a credit card that can help you build your credit history and earn rewards. Here are our picks for the best credit cards for college graduates in 2022.

The best credit cards for college graduates offer low interest rates, valuable rewards, and perks like 0% intro APR periods. When choosing a credit card, it’s important to consider your spending habits and find a card that aligns with your financial goals.

Cash Back Credit Cards

If you’re looking for a cash back credit card, the Discover it® Student Cash Back is a great option. With this card, you’ll earn up to $20 cash back each year, plus an additional $20 at the end of your first year. There’s no annual fee, and you’ll get a 0% intro APR for six months on purchases.

Travel Rewards Credit Cards

For a travel rewards credit card, the Capital One® VentureOne® Rewards Credit Card is hard to beat. With this card, you’ll earn unlimited miles that you can use to book travel expenses like flights, hotels, and rental cars. You’ll also get a 0% intro APR on purchases for 12 months. There’s no annual fee with this card either.

Low Interest Rate Credit Cards

If you’re looking for a low interest rate credit card, the Citi® Double Cash Card is a great option. This card offers 0% intro APR on balance transfers for 18 months (then 13.99% – 23.99% variable). You’ll also earn cash back on every purchase, with no annual fee.

No matter what your financial goals are, there’s a credit card out there that can help you achieve them.

How To Pick The Best Credit Card as a College Graduate?

The best credit card for college graduates is the one that best fits their individual needs and financial situation. There are many factors to consider when choosing a credit card, such as annual fees, interest rates, rewards programs, and perks.

What Are Student Credit Cards?

Student credit cards are designed for young adults who are working to build their credit history. Many student cards offer perks like cash back or rewards points, which can be helpful for students who are trying to save money. Some student cards also offer 0% APR introductory periods, which can be helpful for students who are trying to pay off their debt.

Can I Keep My Student Credit Card After I Graduate?

Yes! Once you graduate from college, you can keep your student credit card if you want to. However, you may want to consider upgrading to a regular credit card if you’re eligible for one. Regular credit cards usually have better rewards programs and lower interest rates than student cards.

Best Credit Card for College Graduates With Fair Credit Score:

If you have a fair credit score, there are still some great cards available to you. The best card for college graduates with fair credit is the Discover it® Secured Card.

This card offers two percent cash back at gas stations and restaurants on up to $1000 in combined purchases each quarter, plus one percent cash back on all other purchases.

There is no annual fee and your APR will be a variable rate based on your creditworthiness.

You will need to put down a security deposit of at least $200 when you open the account, which will be your credit limit. Overall, this is a great card for college graduates with fair credit who are looking to build their credit history and earn rewards at the same time.

Best Credit Card for College Graduates With a Startup

If you have a startup, the best credit card for you is the Chase Ink Business Cash Credit Card. This card offers $500 cash back after you spend $3000 on purchases in the first three months from account opening. There are also no annual fees and 0% foreign transaction fees, so it’s perfect for international travel. The best part about this card is that it has a 0% APR for 12 months on purchases and balance transfers, which can help you save money on interest if you need to carry a balance.

Best Credit Card for College Graduates to Build Credit in 2022

If you’re a recent college graduate, you may be looking for the best credit card to help you build your credit. The good news is that there are several great options available.

One of the best things about using a credit card to build your credit is that it can help you establish a good payment history. This is one of the most important factors that lenders consider when determining your creditworthiness. 

Therefore, it’s important to make sure that you always make your payments on time and in full.

Another great thing about using a credit card to build your credit is that it can help you improve your credit utilization ratio.

This is the percentage of your credit limit that you’re using at any given time. It’s important to keep this number low, as it shows lenders that you’re a responsible borrower who doesn’t max out your credit card each month.

If you’re looking for the best credit card for college graduates to build credit, consider these two great options:

The Citi Secured Mastercard is a great option for recent grads looking to build their credit. One of the best things about this card is that it requires no annual fee. Additionally, it offers a competitive APR and comes with some great perks, like rental car insurance and extended warranty coverage.

Another great option for recent grads looking to build their credit is the Discover it Secured Card. This card also requires no annual fee and offers a competitive APR. Additionally, it comes with some great perks, like cash back on your purchases, cell phone insurance, and no foreign transaction fees.

Both of these cards are great options for recent grads looking to build their credit. If you’re not sure which one is right for you, consider your spending habits and decide which card offers the best benefits for your needs. Whichever card you choose, be sure to use it responsibly and make your payments on time to build a strong credit history.

What Credit Card Credit Limit Can I Get as a College Graduate?

As a college graduate, you may be wondering what credit limit you can get with a credit card. The answer to this question depends on a number of factors, including your income, credit history, and debt-to-income ratio.

If you have a good income and strong credit history, you may be able to get a credit limit of $5000 or more. If you have a limited credit history or lower income, your credit limit may be closer to $1000.

What Is the Best Way to Use a Credit Card as a College Graduate?

The best way to use a credit card as a college graduate is to make sure you are using it for the right reasons. You should only use your credit card for things that you need, and you should always pay your balance in full each month. This will help you avoid interest charges and keep your credit score high.

Do Credit Card Issuers for College Graduates Report to Credit Bureaus?

Yes, most credit card issuers for college graduates report to credit bureaus. This means that if you use your credit card responsibly, it can help you build a strong credit history.

What Are the Risks of Having a Credit Card as a College Graduate?

There are a few risks associated with having a credit card as a college graduate. First, if you don’t use your credit card responsibly, it can damage your credit score. Additionally, if you carry a balance on your credit card each month, you will be charged interest. Finally, if you default on your payments or miss a payment, your account could be sent to collections.

Do The Best Credit Cards For College Graduates Have Any Annual Fees?

The best credit cards for college graduates typically don’t have any annual fees. However, there are a few exceptions to this rule. Some cards may have an annual fee if they offer rewards or other perks that justify the fee.

What’s The Best Credit Card For A College Graduate With No Job?

If you’re a college graduate with no job, the best credit card for you is probably a secured credit card. Secured credit cards require a deposit, which acts as your collateral in case you default on your payments. This means that issuers are more likely to approve you for a secured card, even if you have no job or limited income.

Additionally, using a secured card responsibly can help you build your credit so that you can eventually qualify for a traditional credit card. Just make sure you choose a secured card with low fees and a reasonable APR.

What Are The Best Credit Cards For College Graduates With No Credit History?

If you’re a college graduate with no credit history, the best credit cards for you are ones that offer low interest rates and don’t have annual fees. You should also look for cards that offer rewards programs, such as cash back or points, which can help you save money on future purchases.

Some of the best credit cards for college graduates with no credit history include the Discover it® Student Cash Back card, the Citi® Double Cash Card – 18 month BT offer, and the Capital One® Platinum Credit Card. All of these cards offer low interest rates, no annual fees, and rewards programs that can help you save money on future purchases.

What is The Easiest Way to Build Credit as a College Graduate?

The best way to build credit as a college graduate is to get a secured credit card. A secured credit card is a type of credit card that requires you to put down a deposit, which serves as your collateral in case you default on your payments. Your credit limit will be equal to the amount of your deposit. For example, if you put down a $500 deposit, your credit limit will be $500.

There are many benefits to getting a secured credit card as a college graduate. First, it’s an easy way to start building your credit history. Second, it can help you improve your credit score if you use it responsibly and make all of your payments on time. And third, most secured cards come with great perks and rewards, like cash back or travel points.

What’s The Best Cash Back Credit Card For College Graduates?

If you’re a college graduate, you probably have a lot on your mind. Finding a job, paying off student loans, and planning for your future can all be pretty daunting tasks. But one thing that’s probably not at the top of your list is finding the best credit card for your needs.

Luckily, we’ve done the hard work for you and compiled a list of the best credit cards for college graduates in 2022. Whether you’re looking for cash back rewards or low interest rates, we’ve got you covered.

So if you’re ready to start building your credit history, here are the best credit cards for college graduates in 2022:

  • Capital One Platinum Credit Card: This card offers 0% APR on purchases and balance transfers for 15 months, as well as a $0 annual fee. It’s perfect for college graduates who are looking to build their credit history without accruing any interest charges.
  • Discover it® Student Cash Back: This card offers cash back rewards on everyday purchases, as well as a 0% APR on purchases and balance transfers for six months. There is no annual fee, making it a great option for college graduates who are looking to save money.
  • Citi® Double Cash Card: This card offers two percent cash back on all purchases, with no limits or restrictions. There is also a 0% APR on balance transfers for 18 months. College graduates who are looking to earn cash back rewards on their everyday spending will love this card.
  • Wells Fargo Platinum Visa® Card: This card offers 0% APR on purchases and balance transfers for 18 months, as well as a $0 annual fee. It’s a great option for college graduates who are looking to keep their interest costs low.
  • Bank of America® Cash Rewards Credit Card: This card offers cash back rewards on everyday spending, with no annual fee. College graduates who are looking to earn cash back on their everyday purchases will love this card.

How to Avoid Credit Card Debt as a College Graduate?

As a college graduate, you’re probably already thinking about your future and how to best manage your finances. And one of the biggest financial decisions you’ll make is whether or not to get a credit card.

If you’re like most people, you probably have some credit card debt from your college days. But don’t worry, there are ways to avoid falling into the same trap when you start your career. Here are a few tips:

  • Live within your means: This is easier said than done, but it’s important to remember that just because you have a credit card doesn’t mean you have to spend all of your money on it. Make sure you can afford whatever purchase you’re making before putting it on your card.
  • Make a budget: This will help you keep track of your spending and make sure you’re not overspending.
  • Pay off your balance in full each month: This is the best way to avoid interest charges and keep your debt under control.
  • Use a rewards credit card: If you use your credit card wisely, you can actually earn rewards like cash back or points that can be used for travel. Just make sure you pay off your balance in full each month to avoid interest charges.

By following these tips, you can avoid falling into debt as a college graduate. And if you already have some credit card debt, don’t worry – there are ways to get out of it.

What’s The Best Credit Card for College Graduates Who Have Good Credit?

There are a lot of great credit cards out there for college graduates who have good credit. But which one is the best?

It really depends on what you’re looking for and what’s important to you. Do you want a card with no annual fee? Or do you care more about rewards? Maybe you’re interested in a card that has 0% APR for the first year.

Whatever your priorities are, we’ve got you covered. Here are our picks for the best credit cards for college graduates with good credit in 2022:

  • The best overall credit card: Capital One VentureOne Rewards Credit Card
  • The best rewards credit card: Chase Freedom Unlimited Credit Card
  • The best cash back credit card: Citi Double Cash Card
  • The best 0% APR credit card: Discover it Student Cash Back
  • The best no annual fee credit card: Wells Fargo Platinum Visa Card

Best College Graduate Credit Cards for Building Credit

If you’re a recent college graduate, you may be looking for a credit card to help you establish credit. Luckily, there are a few great options out there specifically for college graduates. Here are the best credit cards for college graduates in 2022:

  • Capital One VentureOne Rewards Credit Card: This card offers great rewards and has no annual fee. You can also get a 0% APR on purchases for the first 12 months.
  • Citi Secured Mastercard: This is a good option if you’re looking to rebuild your credit. It has an annual fee of $0 and requires a deposit of $200, which is used as your credit limit.
  • Discover it® Student Cash Back: This card offers cash back on your purchases and has no annual fee. You can also get a 0% APR on purchases for the first six months.

Do Credit Cards for College Graduates Have a Rewards Program?

Yes, most credit cards for college graduates offer rewards programs. These rewards programs can include cash back, points, or miles. Rewards can be used for travel, merchandise, or gift cards. Check with your card issuer to see what type of rewards are available and how you can redeem them.

Do I Need an Excellent Credit Score or a Good Credit Score to Get a Credit Card as a College Graduate?

If you’re a college graduate with limited credit history, you may find it difficult to get approved for a traditional credit card. However, there are several “student” or “starter” cards available from major issuers that can help you build your credit. To qualify for most of these cards, you’ll need at least a fair credit score (typically 640 or higher). A few require good or excellent credit (720+), but those usually come with better rewards and perks.

Where Can College Graduates Get a Free Credit Score?

There are a few ways college graduates can get a free credit score. Many credit card issuers now offer free credit scores to their customers. You can also sign up for a free trial of a credit monitoring service like Credit Karma or Experian. Finally, some financial institutions offer free credit scores to their customers as well. Check with your bank or credit union to see if they offer this benefit.

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About Jermaine Hagan (The Plantsman)

Jermaine Hagan, also known as The Plantsman is the Founder of Flik Eco. Jermaine is the perfect hybrid of personal finance expert and nemophilist. On a mission to make personal finance simple and accessible, Jermaine uses his inside knowledge to help the average Joe, Kwame or Sarah to improve their lives. Before founding Flik Eco, Jermaine managed teams across several large financial companies, including Equifax, Admiral Plc, New Wave Capital & HSBC. He has been featured in several large publications including BBC, The Guardian & The Times.

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