There are lots of young people today who are responsible to have credits cards for their personal use. However, it is quite difficult to get one because most of them do not have yet any credit history on which to base their scores. Students though do not have to worry because there are lots of credit card companies that offer credit cards for students especially those who are in high school or in college.

The Discover Student Card

Students who would like to earn up to 5% from their purchases from participating merchants may opt for a Discover Student Card. All of their other purchases from other stores may still earn 1% cash back. Their earnings on cash back rewards may vary depending on how much they have used their cards for their needs. Students may avail of this credit card without worrying about annual fees. The Discover Student Card allows young people a credit line of $500 up to $5,000. However, students should be responsible in paying their balances up to $100 on or before the due date so that they will not have to pay an additional $15 for late payments made.

The Citi Dividend Platinum Select Card for College Students

Young people or students who would like to have some cash rewards and the convenience of not needing a cosigner to be approved may apply for the City Dividend Platinum Select Card for College Students. They may enjoy 5% cash back as their rewards for all of the purchases that they make for the first six months as a card holder. They may also be entitled to 2% cash back on specified purchases that they can make on a quarterly basis. College students are also offered $5 as dividends if they transfer a balance that would amount to $1,500. They are given warranty on their purchases up to one year as well. They are given warranty on their purchases up to one year as well.

Journey Student Rewards Credit Card

This is a credit card offered by Capital One to those who would like to build a good credit history. The Journey Student Rewards Credit Card provides young people an access to their monthly credit scores. They can also monitor their credit transactions through an interactive tracking tool. Students who are responsible in paying their balances on time are given a 25% bonus aside from the 1% cash back rewards on all of the purchases that they have made. They may enjoy earning from their cash backs because it does not expire.

With the various credit cards for students that are available today, even young people can start building their credit history and credit scores as they learn to become more responsible in paying their dues on time.

 

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People who would like to avail of the American Express Premier Rewards Gold Card have to consider several points before they decide if this is the right Amex card for them. The first is their spending limits. This card is for those who spend more than $30,000 each year and for those who will pay for all of their expenditures each month as this is a charge card and not a credit card. American Express Premier Rewards Gold Card also requires its holders to pay an annual fee of $175.

Those who are able to avail of the American Express Premier Rewards Gold Card have lots to enjoy not only the perks but also higher reward points as well. They can earn as much as 3, 2 points and 1 point for each dollar that they spend for their airfares, groceries and gas respectively. They also get a point for a dollar spent on any other types of purchases. People with this Amex card do not have to worry about interests as there are none.

American Express Premier Rewards Gold Card holders are also able to manage their finances well and do not have to worry about getting into debt since they have to pay all each billing month. Those who would be able to spend at least $2,000 within their first three months will be entitled to a 25,000 bonus which they can redeem through gift cards that are worth $250. People with this type of Amex card are also entitled to get a 15,000 bonus each year if they are able to spend at least $30,000.

People with American Express Rewards Premier Card may earn more bonuses if they spend more and pay through this card. Individuals with this kind of Amex card may enjoy more benefits and rewards because they do not have any limits on the number of points that they can earn. They are also given the chance to redeem their points in several ways not only through gift cards. They can exchange it for merchandise, for entertainment, for dining or for air tickets as well.

American Express Rewards Premier Card holders may also transfer their points to their frequent flyer programs if they have one. They can make use of their points to pay for their airfare when they book with American Express Travel. People holding Amex cards of this type also enjoy other benefits given such as purchase protection plan, extended warranty, travel and baggage insurance and exclusive access to gold card events.

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