Easy Approval Credit Cards for Students
Getting the right credit card when you’re a student can be a confusing and intimidating process, with so much information out there and trying to determine which one is best. Luckily, in today’s day and age, there are lots of ways to get easy approval credit cards for students that make it easier than ever before. From low-interest options to preferred rewards points deals to signup bonuses and more, these solutions allow you to find the perfect card specifically tailored to your needs as a student. In this blog post, we’ll take an in-depth look at all of the different types of easy approval credit cards for students available on the market today. We’ll review each option so you have everything you need to choose from the best possibility for your financial situation.
What are easy approval credit cards for students and why should you get one
Easy approval credit cards for students are a great way for young people to manage their finances responsibly and build good credit habits. Often times these cards come with perks like cash back, bonuses, and rewards that can help students get more value than traditional credit cards. Additionally, many student credit cards have lower interest rates which can save students money in the long run. With easy approval options, college-age and younger consumers can be pre-approved without jumping through hoops such as employment or income verification requirements. Before committing to a card, it is important to research features like fees and APRs and make sure that the product meets your financial needs.
Benefits of getting a student credit card
Applying for and getting approved for a student credit card is an easy process, and the rewards are many. Student credit cards come with a variety of benefits, such as access to credit at an early age, which can help build a strong credit profile. Unlike other cards targeted to students, some student cards provide amazing incentives such as no annual fee, low-interest rates, and cash-back rewards. Furthermore, these student-specific cards typically offer access to valuable tools and resources to help users manage their credit more responsibly. With all these advantages within reach, student credit cards give students the unique opportunity to make well-informed financial decisions from the start.
List of Top 10 Easy Approval Credit Cards for Students
- Discover it Student Cash Back Card – The Discover it Student Cash Back Card offers 5% cash back in rotating categories and an unlimited 1% cash back on all other purchases. Plus, you’ll have access to the largest free credit score network and the ability to pay your credit card bill automatically each month using online banking or bill payment services.
- Citi Rewards+ Student Card – The Citi Rewards+ Student Card is perfect for students looking to earn rewards while building their credit scores over time. This card earns 2x points on grocery stores and gas stations, plus 1x points on all other purchases, with no annual fee required.
- Bank of America Cash Rewards for Students Credit Card – Get 3% cash back in a category of your choice (gas, online shopping, dining, travel, or drug stores), 2% back at grocery stores and wholesale clubs, and 1% on all other purchases with the Bank of America Cash Rewards for Students Credit Card.
- Chase Freedom Student Credit Card – Earn 5% cash back in bonus categories like groceries and restaurants up to $1,500 each quarter you activate, plus 1% after that with the Chase Freedom Student Credit Card with no annual fee required.
- Capital One Journey Student Rewards Credit Card – With the Capital One Journey Student Rewards Credit Card you can earn 1%-2% cash back on every purchase, get notifications when you’re near a reward redemption threshold, and receive statements by email for easier tracking of spending habits – all with no annual fee required!
- Wells Fargo Cash Back College℠Card – With the Wells Fargo Cash Back College℠Card students can enjoy 3% cash back on gas, grocery store purchases and select streaming services up to $2,000 in combined eligible net purchases each calendar year; then 1%. Plus there’s no annual fee required!
- U S Bank College Visa®Card – With the U S Bank College Visa®Card students can get rewarded with rewarding loyalty programs like 5 STAR rewards where they earn one Starpoint per dollar spent up to 20 points per month when they make eligible net purchases; then .25 points thereafter–all without any annual fees!
- Apple Credit Card – Apple’s new credit card is designed specifically for college students who want a simple way to manage to spend and build good credit habits in just minutes – easily set monthly payments right from their iPhone or iPad without any additional fees ever!
- Barclaycard Arrival®Plus World Elite Mastercard® – Barclaycard’s Arrival®Plus World Elite Mastercard® offers 2x miles on all purchases which can be redeemed toward travel costs including flights & hotels with no blackout dates or restrictions; plus there are no foreign transaction fees ever applied when traveling abroad!
- Discover it Secured Credit Card – With the Discover it Secured Credit Card users can build their credit history by making regular payments on time every month plus they’ll receive complimentary access to Discover’s patented FICO Score each month so they can track how their actions are impacting their overall credit health – all without any annual fees!
How to apply for an easy approval credit card
Applying for an easy approval credit card as a student is straightforward. The first step to obtaining an easy approval credit card is doing research to find the one that best fits your lifestyle needs and financial goals. Once you’ve identified the right credit card, you can begin the process of applying by filling out an official application form. Along with the form, you will be asked to verify proof of income, such as pay stubs, bank statements, or any other proof of earnings. Lastly, you may need to submit a photograph for identity purposes. Ideally, submitting all these items together will help streamline the entire approval process and get your credit card in no time!
Credit Cards with no Foreign Transaction Fees
Things to consider when applying for a student credit card
When applying for a student credit card, there are several important factors to consider. Before selecting a card, you should research the associated fees and annual percentage rates to determine the best choice for your situation. Additionally, you should be aware of any rewards or cashback opportunities connected to the card that can help support your financial plans. Lastly, make sure you have an understanding of the process for reporting lost or stolen cards and resolution services in case of theft. Researching these details ahead of time can save time and stress down the road when navigating credit card usage.
Tips on using your credit card responsibly
As a student, having an easy approval credit card can be an important financial tool, but it’s important to use it responsibly. To maximize the benefits of your easy approval card, start by always paying your balance in full every month to avoid interest and late fees. Additionally, taking advantage of rewards programs like cash back or points accumulate can help you get more out of your purchases. Setting up alerts or reminders to pay on time will help you stay on top of your payments and make sure you don’t overspend beyond what you can afford. Lastly, keeping close track of your expense reports is an excellent way to gain insight into your spending habits and learn better money management skills all while utilizing the convenience of a credit card.
What to do if you are denied a student credit card
If you have been denied a student credit card, don’t despair. Many lenders offer alternative options with flexible credit requirements. Researching available options and finding the right one for you can help ensure you receive easy approval, regardless of past credit history or current financial standing. You may consider looking into secured credit cards as they usually require lower deposit amounts, while also reporting back to major credit bureaus and helping build your score when payments are made on time each month. Doing this will not only help in your search for an easy approval student card but is also beneficial in fostering healthy long-term financial habits.
Conclusion:
Student credit cards are a great way to start building your credit history, make everyday purchases, and even get rewards. But it’s important to remember that having (and using) a student card responsibly is crucial. Before you apply for an easy approval credit card, make sure you understand the terms and conditions of the issuer, the features of the card, and any associated fees or interest rates. Once you’ve done that, it’s time to weigh its merits with your budget and lifestyle needs. You can apply online or at your local bank or financial institution. Do some research before applying and read reviews from other users. And if you are denied a student credit card, don’t fret: there are still other avenues available to help you build your credit score in the future. Now that you know everything there is to know about easy-approval credit cards for students, take advantage of this opportunity and start building your financial foundation today!
