|By Marketwired .||
|August 21, 2014 02:02 PM EDT||
SEATTLE, WA -- (Marketwired) -- 08/21/14 -- CreditCardChaser.com released a list of the top credit cards for incoming college students. Among the factors considered when compiling this list were customer reviews as well as expert opinions on credit cards. The best cards for college students should offer low interest rates, allow increment of the credit limit once a student has proved his/her credit worthiness and offer cash back and/or rewards. The top credit cards for incoming college students are:
What makes this card the best for college students is mainly its cash back program. Cardholders earn about 5% cash back on money spent in rotating fee as well as 1% on every other purchase. In addition, annual fees, overlimit fees and foreign transaction fees are not charged. To protect cardholders from identity theft, Discover does not charge any liability fee for unauthorized transactions. Discover monitors all purchases. As a result, in the event of unusual purchases, cardholders are alerted via text, email or phone. 0% intro APR is offered to students for the first 6 months after which the standard APR will vary from 12.99% to 21.99%. Cardholders also earn free FICO scores each month on their statements.
Discover doesn't charge any annual, overlimit or foreign transaction fees. It also has an excellent cash back program where 2% on up to $1000 combined purchases in gas stations and restaurants is offered to cardholders every quarter. 1% cashback on all other purchases is also offered. Contrary to other credit cards, late payments by Discover it chrome cardholders doesn't warrant increased APR. For the first late payment, 0% fee is payable. 0% intro APR is offered to students for the first six months after which it becomes variable. Normally APR ranges from 12.99%-21.99%. To ensure all clients' inquiries are well addressed, there's a US based customer service where inquiries can be made round the clock.
College students making their first purchase within the first six months are eligible for a 20% cash back bonus. In addition, those signing up will be awarded 5% cash back bonus for up to $1500 purchases made at gas stations from July and September 2014. Cardholders receive 1% on all other purchases. Just as the other cards in this list, there are annual fees, overlimit fees or foreign transaction fees charged to cardholders. Constant tracking of cards by Discover helps protect against unauthorized transactions. Cardholders are alerted of unusual card activity via phone, text or email. In the event of unauthorized transactions, cardholders pay 0% liability fee. Discover awards free FICO scores both online and on monthly statements to help students stay on top of their credit. Moreover, APR doesn't increase if payments are made late. Free text alerts are sent to remind cardholders when payment is due.
Starting college comes with its own fair share of expenses ranging from new books to expenses among others. To cover these expenses, a student will need a credit card. Finding one is not hard as there's a variety of highly rated cards suitable for new college students. Credit Card Chaser's Comparison tool helps students to compare the various cards and make the wisest decision.
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