Whether you're a recent college graduate or are just starting out, a solid credit card portfolio is an essential part of your financial future. If you have a good credit history, your chances of being approved for rewards cards are higher than ever. Grads with good credit can choose from a variety of cards based on their budget, credit history, and spending plans.
Capital One QuicksilverOne Card Rewards Credit Card
For college students with decent to average credit and looking to build their credit, Capital One QuicksilverOne Money Rewards credit cards is a great choice. This card is designed for new grads to rebuild their credit. It has a low annual cost of $39, as well as a rewards program that gives consumers 1.5 percent back on each dollar they spend. Cash back can be used for monthly payments or redemptions for statement credits.
For recent college graduates, Capital One also offers several credit cards with premium rewards. Two popular options are QuicksilverOne cash rewards and SavorOne Student. These credit cards have similar benefits to the premium rewards cards but are designed for recent college graduates. After making a purchase of $500, both cards provide decent rewards and a $200 bonus.
Capital One SavorOne Student Cash Rewards Credit Card
The Capital One SavorOne Student cash rewards credit cards offer many benefits that are perfect for students. Capital One SavorOne Student Card does not have foreign transaction fees. It's an excellent choice for students who travel often. You can also get rewards on dining or entertainment. However, the card comes with a few drawbacks, including a modest cash-back earning rate outside of favored categories.
Capital One SavorOne Student Rewards Credit Card offers cash back on purchases made at restaurants, cafes, and grocery shops. Cashback is possible at most stores, but it doesn't apply to Walmart and other large-box retailers. With the Capital One SavorOne Student Cash Rewards Credit Cards, you can earn up to 3% cash back on everyday purchases.
Capital One Platinum Secured credit card
Capital One Platinum secured credit card may be a good option for you if your college degree is recent. The card isn't expensive, but there are no foreign transaction fees and an annual fee. MoneyGeek offers a detailed review. It will give an overview of the features as well as compare it to other credit card options.
A great choice for recent college graduates is the Capital One SavorOne Student cash Rewards Credit Card. The card offers rewards for everyday purchases, and can help build credit history and good habits. It could also increase your credit limit in as little as six months. This card allows you to earn 1% cashback on all purchases. Cash back can be increased to 1.25% if you pay your bills on time.
Petal 2 "Cash Back, No Fees" Visa Credit Card
The Petal 2 Visa Credit Card, Cash Back, No-Fees, for recent college graduates, is designed to help recent grads build credit and manage finances. It will take into account your income and your spending habits. You may even be able to factor in your credit score. Link your bank account and Petal's site to apply. Although the site has read-only access, it won't store your login credentials.
WebBank's Petal 2 "Cash back, No-Fees Visa Credit Card" is a great option for college graduates who have not had a credit history. It offers rewards for good credit behavior, but the rewards structure may be confusing for newbies. It might be the best option if you are a recent graduate and don't mind paying monthly or annual fees.