Your first few years after college are like getting thrown into a bad game show.
Its not all bad.
If theres an annual fee, are there enough benefits to make the fee worth it?
Are there bonus offers that can accelerate your initial earnings?
Capital One Journey Student Credit Card
Rewards:Earn 1% cash back on all purchases.
If you pay on time, you increase your cash back to 1.25% for that month.
Signup bonus:None at this time.
The cash-back program keeps rewards super simple and helps you resist the urge to over-gamify your credit card use.
And the on-time payment bonus rewards healthy credit behavior.
Earn one point per dollar on everything else.
Signup bonus:Earn 15,000 bonus points after spending $1,000 in your first three months.
Bonus perks:Get 0% APR on purchases for your first 15 months.
Why we like it:Citi Rewards+ is another card that allows you to earn on your everyday essentials.
Get one point for every dollar spent on other purchases.
Eligibility for this perk starts once your signup bonus period ends.
Signup bonus:None at this time.
It also allows you to see how much interest youll pay depending on the payment you make.
This post was originally published on 9/23/2019 and was updated on 10/9/2019 to include methodology.
