Building credit history is an extremely important aspect of financial independence, and opening the right credit card is the safest and most efficient way to do so.
College Students - Best Initial Bonus
BankAmericard Cash Rewards for Students: $100 cash bonus; 3% cash back on gas and 2% on groceries (on the first $1,500 spent in those categories each quarter); 1% on everything else; no annual fee.
College Students - Best Ongoing Rewards
Journey Student Rewards from Capital One : 1% cash back across all purchases; 25% cash back bonus when you pay your bill on time; no annual fee.
College Students - Best 0% Offer
BankAmericard Travel Rewards for Students Credit Card: 0% on purchases for 15 months; no annual fee.
Capital One QuicksilverOne Rewards Card: 1.5% cash back across all purchases; $39 annual fee.
All Grads - Best Secured Cards
LanPass Secured Credit Card - 10k bonus points: 1 point / $1 spent; no annual fee in the first year ($25 thereafter).
AeroMexico Visa Secured Credit Card - 5k bonus miles: free round-trip companion ticket; 2 miles / $1 on gas and groceries; 1 mile / $1 spent on everything else; no annual fee during the first year ($25 thereafter).
Harley-Davidson Secured Credit Card: No annual fee.
Capital One Secured Credit Card: Partially secured card; credit line up to $3,000; $29 annual fee.
For the full 2014 Credit Card Rewards Study, including expert financial management tips for young people, please visit:
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