Attending graduate school can be a costly endeavor, with tuition, textbooks, and living expenses adding up quickly. For many students, turning to a credit card can be a helpful way to manage these expenses and build credit at the same time. However, choosing the right credit card is crucial, as not all cards are created equal. To help graduate students make an informed decision, we have compiled a list of the top credit cards for graduate students.
1. Discover it Student Cash Back
The Discover it Student Cash Back card is a popular choice for graduate students, as it offers 5% cash back on rotating categories such as gas stations, grocery stores, restaurants, and more. It also has a generous cash back match for the first year, making it a great option for students who want to earn rewards on their everyday purchases.
2. Chase Freedom Student
The Chase Freedom Student card is another excellent option for graduate students, offering 1% cash back on all purchases and a $50 credit after the first purchase. It also has no annual fee and a low APR, making it a solid choice for students who want to build credit while earning rewards.
3. Bank of America Cash Rewards Credit Card for Students
The Bank of America Cash Rewards Credit Card for Students is a great option for graduate students who prefer earning cash back rewards. With this card, students can earn 3% cash back on gas, 2% cash back on groceries, and 1% cash back on all other purchases. It also offers a $200 cash rewards bonus for new cardholders who spend $1,000 in the first 90 days, making it a valuable option for students looking to earn rewards quickly.
4. Citi ThankYou Preferred Card for College Students
The Citi ThankYou Preferred Card for College Students is a good choice for graduate students who prefer earning travel rewards. With this card, students can earn 2 points per dollar spent on dining and entertainment, as well as 1 point per dollar on all other purchases. It also has no annual fee and a low intro APR, making it a solid option for students who travel frequently and want to earn rewards on their purchases.
5. Capital One Journey Student Credit Card
The Capital One Journey Student Credit Card is a great option for graduate students who want to build credit responsibly. With this card, students can earn 1% cash back on all purchases and a bonus for paying on time, helping them establish a positive credit history. It also has no annual fee and no foreign transaction fees, making it a good option for students who study abroad or travel frequently.
In conclusion, choosing the right credit card as a graduate student is crucial for managing expenses and building credit. The cards listed above offer a variety of rewards and benefits that cater to the needs of graduate students, making them excellent options for those looking to make the most of their credit card spending. By selecting a credit card that aligns with their spending habits and financial goals, graduate students can set themselves up for success both in school and beyond.
A Complete Guide to the Best Credit Cards for Graduate Students
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