Again, what are her scores, especially on EX?
And if she's getting an auto loan through USAA, she should absolutely try to get their MC to start with. They have both a student option and the regular. Both my daughters got the straight MC's, even though they were in college.
I would argue with the Blue Cash, unless she can put her tuition on it or something. (Highly doubtful with an AmEx.) The rewards are pathetic until you have spent $6500, when they finally kick in, but only until 12 months are up, and then you start all over again. The Blue (or Blue Sky if she hopes to travel) would be better. There is a student version of the Blue if her income won't support a regular Blue. 700 on EX would be fine for the regular Blue; don't know about the student. Check out www.whogavemecredit.com.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007