Best student cards

[Anonymous]

I previously asked about the best card for my son when he turns 18, i.e. a student card or a regular one. Since everyone thinks student, which is the best one? The discover one looks pretty bad... 0.25 percent rewards? The citi one and capital one card look nice, thoughts?

[Revelate]

I'd have to toss BOFA in the ring with their 1-2-3 rewards package now on student cards.

I thought the Discover More student card was effectively the same rewards-wise as the mainline Discover More product just with typically lower limits?

[andre181]

As a college student who has (within the last 2 years) upgraded to all adult cards, I think the best student cards are:

• Discover More Student (Its .25% for the first $3,000 of spending, and then 1%. And don't forget the quarterly 5% catagories)
• Wells Fargo College Cash Back Visa (3% on gas, groceries, and drugstores for 6 months, then 1% cash back on everthing)
• Citi Forward Student

[WarJar101]

Citi Forward Student is great. I got approved with no credt history/co-applicant. Read the threads concerning the card, you'll see the potential. Good luck.

[VeggieTales]

I also vote for Citi Forward. It has a great rewards program 

[mr_postman]

i added my son to my amex and walmart now and target and he has secured bofa yesterday he app for discover and citi forward both were approved 

[jsucool76]

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@Revelate wrote:

I'd have to toss BOFA in the ring with their 1-2-3 rewards package now on student cards.

I thought the Discover More student card was effectively the same rewards-wise as the mainline Discover More product just with typically lower limits?

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It is, but I believe you don't earn 1% cash back on non-bonus items until you spend $3000 dollars. Up until then you only earn 0.25% CB. 

I too would vote for the citi forward as the best student card, but the easiest to get approved for would be the cap1 journey. 

[cschick_old]

DIscover gave me a chance when noone else would as a student with no credit history and no cosigner. Not to say that people don't get student cards with "good" rewards but starting out as a student post card act this card is a starting point. Discover has grown with me and the 5% rotating categories are pretty decent. I'd look for something with a rewards structure that will make sense both while in school as well as for a year or two post graduation (since an autoloan or other financial thing may keep you from wanting to apply/getting approved for 'adult' cards immediately).

[OptimasPrime]

I never thought I'd say this about bofa, but their cash rewards card for students possibly the best student card available,  followed by citi student forward, and discover Student more.

I wouldn't recommend cap one, as the three above cards are likely to grow and eventually 'graduate' to adult cards with higher limits, whereas wih cap one you'd be stuck with the same card and same limit for a very long time (generally until you apply for a new card). Also cap one hps all three reports whereas the above issuers will generally hp one bureau. 

[Anonymous]

Is there a difference between the citi student forward and citi forward?