Best Student Credit Cards

Hola bellas!  Are you a college student that has been thinking about getting a student credit card? With tons of options, it can be overwhelming and hard to choose!

Here are Hispana Bella’s picks for best student credit cards:

  • Discover it® Student Cash Back credit card
    • No annual fee
    • Get $20 statement credit each school year your GPA is 3.0 or higher
    • Get an unlimited dollar-for-dollar match of all the cashback you’ve earned at the end of your first year, automatically
    • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, and more, up to the quarterly maximum each time you activate. Plus earn 1% cashback on all other purchases
    • Redeem your rewards for cash in any amount.
    • Your cashback never expires
    • Use your rewards instantly at Amazon.com checkout
    • Paying late won’t raise your APR (annual percentage rate)
    • No late fee on your first late payment
    • No over-limit fee
    • No foreign transaction fees
  • Discover it® Student Chrome credit card
    • No annual fee
    • Get $20 statement credit each school year your GPA is 3.0 or higher
    • Get an unlimited dollar-for-dollar match of all the cashback you’ve earned at the end of your first year, automatically
    • Earn 2% cashback in popular categories.
    • Plus, earn 1% cashback on all other purchases.
    • Redeem your rewards for cash in any amount.
    • Your cashback never expires
    • Use your rewards instantly at Amazon.com checkout
    • Paying late won’t raise your APR (annual percentage rate)
    • No late fee on your first late payment
    • No over-limit fee
    • No foreign transaction fee
  • Apple Credit Card
    • A newer credit card and has a lot of benefits
    • Apple Card doesn’t have any fees- No annual, over-the-limit, or late fees.
    • You get daily cashback- get a percentage of your purchase back in daily cash
      • Get 3% Daily Cashback on everything you buy from Apple. You also get 3% Daily Cashback on purchases you make at select merchants.
      • Get 2% Daily Cashback anytime you buy something using Apple Card with Apple Pay.
      • If you find a store, a website, or an app that doesn’t take Apple Pay yet, you’ll still get 1% Daily Cashback when you use Apple Card.
    • You have access to support 24/7- if you have a question, you can just text apple

What information will they ask you for in the credit card applications?

Discover will ask for the information below:

  • They will ask you for your name and contact information
  • Financial information
    • Total Gross Income- This is the amount of money you currently earn in your part-time job, a full-time job, internship, and summer job.
    • Monthly rent payment- if your parent pays for your housing, you enter zero. If you have a roommate and share living expenses, you only need to list your share
    • Your college Information
      • School state and year in college
      • Expected graduation date
    • Security information
      • Date of birth
      • Social security number

Apple will ask for the information below:

  • First name, last name, DOB, email, and phone number

Important note: To apply for any credit card, you will need to be 18 years or older.

Once you’ve decided on the credit card you want, you can apply online!  Once you’re approved, don’t forget to pay your credit card bills on time so that you build a good credit score and pay less interest!  For more tips on how to keep a good credit score, click here! If you’re not approved, do not get discouraged!  There are multiple ways to build your credit. Once you’ve established your credit, you can apply for one of the best student credit cards again!

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