05-21-2012 09:40 AM
First off, you need to get a real credit score from here for example. Get the Equifax FICO score. Those scores you quoted can be up to 100 points off.
2nd, as a student candidate you look great as you have decent income and student. As a normal applicant, I think you look pretty limited as your income is low and you have a fairly short credit history.
Given that I recommend:
1) You apply for Discover for Students which you should have real good shot at getting. A regular Discover might be challenging.
2) AMEX: I think AMEX revolver (eg blue cash) might be too hard for you to get. I think you would have decent chance at Zync if it meets your needs.
3) Chase: They don't have a student card per say. Get your real FICO and be able to give you more advice. If I was to do any card, I would apply for Freedom as student with income.
Overall, I think you are doing a great job. When you graduate and get full time job with higher income, you will be able to get almost any card. It might be a little iffy until then. Personally, I would do the Discover for Student and then AMEX Zync and then Chase Freedom. If rejected from Amex and Chase, I would hold off apping for another year or until you graduate.
05-21-2012 01:57 PM