Best Credit Cards For College Graduates

Capital One Platinum Review

Rating: 4 Stars

Bottom Line:
Build Credit Without A Deposit

Card Details

Regular APR:	26.96% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	None
Credit Needed:	(580-669) Average/Fair
Annual Fee:	$0
Card Brand:	Mastercard

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Pay no annual fee
Get access to a higher credit line after making your first 5 monthly payments on time
Fraud coverage if your card is lost or stolen
Use online banking to access your account, even from your smartphone, with our mobile app
Pay by check, online or at a local branch, all with no fee ? and pick the monthly due date that works best for you
Get access to your account 24 hours a day, 7 days a week
Help strengthen your credit for the future with responsible card use

Is Capital One Platinum worth it?

Platinum from Capital One is a solid card for people looking to improve their credit score without making a cash deposit upfront. It also provides a higher credit limit after you make on time payments for the first five months.

Pros

Build your credit
No annual fee

Cons

Higher than average APR
No hidden fees

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

5 Stars

Perks

4 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	$0
Balance Transfer Fee	$0
Cash Advance Fee	3% of the amount of each transaction or $10, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Travel Accident Insurance

Extended Warranty Program

Travel Assistance

Get Started with Capital One Platinum

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

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Capital One QuicksilverOne Cash Rewards Credit Card Review

Rating: 5 Stars

Bottom Line:
Simple Cash Back For Fair Credit

Apply Now

Card Details

Regular APR:	26.96% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	1.5% Cash Back on every purchase, every day
Credit Needed:	(580-669) Average/Fair/Limited
Annual Fee:	$39
Card Brand:	Mastercard

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn unlimited 1.5% cash back on every purchase, every day
Earn cash rewards without signing up for rotating categories
Get access to a higher credit line after making your first 5 monthly payments on time
Monitor your credit profile with the CreditWise app, free for everyone
$0 fraud liability if your card is ever lost or stolen
No limit to how much cash back you can earn, and cash back doesn’t expire for the life of the account
Help strengthen your credit for the future with responsible card use
Get customized alerts and manage your account with the Capital One mobile app

Is Capital One QuicksilverOne Cash Rewards Credit Card worth it?

QuicksilverOne Cash Rewards from Capital One is a great card with an ongoing 1.5% cash back rate across all spending categories and a reasonable $39 annual fee. QuicksilverOne Cash Rewards is available to cardholders with average or limited credit and has a high APR.

Pros

Simple flat-rate cash back of 1.5% on all purchases
No foreign transaction fee

Cons

High APR
No intro bonus
Does not offer higher rewards in one category vs. another category – no rotating high cash back opportunities

Why 5 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

5 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	$0
Cash Advance Fee	3% of transaction amount or $10, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Purchase Protection

Roadside Assistance

Travel Assistance

Get Started with Capital One QuicksilverOne Cash Rewards Credit Card

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Discover it Secured Review

Rating: 5 Stars

Bottom Line:
Build Credit and Earn Rewards on Gas and Restaurants

Apply Now

Card Details

Regular APR:	24.74% (Variable)
Intro APR (Purchases):	0% for 6 months
Intro APR (Balance transfers):	After January 10, 2020 you no longer get: 10.99% intro APR for 6 months from the date of your first balance transfer
Rewards Rate:	Earn 2% Cash Back at gas stations and restaurants on up to $1,000 in purchases each quarter Earn unlimited 1% cash back on all other purchases Discover will match all the cash back you?ve earned at the end of your first year, so your cash back gets doubled
Credit Needed:	(0 – 300) Bad/Limited/No
Annual Fee:	None
Card Brand:	Discover

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
It’s a Real Credit Card: unlike a prepaid or debit card, this is a real credit card that lets you build your credit history with the three major credit bureaus.
Refundable Deposit: your secured credit card requires a refundable security deposit. You choose the deposit amount up to the credit line approved
Earn 2% Cash Back at gas stations and restaurants on up to $1,000 in purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically
We?ll match all of the cash back you’ve earned at the end of your first year, automatically
Easily view your FICO Credit Score on monthly statements, mobile and online for free

Is Discover it Secured worth it?

Discover it Secured is a great card for people looking to build credit and earn cash back on gas and restaurants purchases. Cardholders earn 2% Cash Back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, unlimited 1% cash back on all other purchases, and Discover will match all the cash back you’ve earned at the end of your first year so your cash back gets doubled.

Pros

Build your credit
Monthly reporting to 3 major credit bureaus
No annual fee
Option to upgrade to an unsecured Discover card, where you don’t make a deposit – it’s recommended you make on-time payments for Discover it Secured for 8 months first
Minimum security deposit of $200 is on the low end for secured cards

Cons

High regular APR for a secured card: you would be paying interest at 24.74% APR on a loan you gave yourself

Why 5 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

5 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	Starting January 10, 2020, you no longer get an intro fee of 3% of the amount of each balance transfer that has posted to your account. It then becomes 5% of the amount of each transfer
Cash Advance Fee	Either $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Get Started with Discover it Secured

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Citi Secured Mastercard Review

Rating: 4 Stars

Bottom Line:
Build Credit Without An Annual Fee

Apply Now

Card Details

Regular APR:	24.24% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	None
Credit Needed:	(0 – 300) Bad/Limited/No
Annual Fee:	None
Card Brand:	Mastercard

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Help build your credit history by using your card responsibly
A security deposit is required for this product (minimum of $200). The security deposit is always equal to your credit limit
If you are approved and you deposit $200, your credit limit (the maximum amount you can spend) is $200
Use it anywhere Mastercard is accepted with $0 liability on unauthorized charges
No Annual Fee

Is Citi Secured Mastercard worth it?

Citi Secured Mastercard is a great card for people looking to build their credit by putting down a deposit. By using this card and making on-time payments – 18 months recommended – you can increase your credit limit and increase your credit score. You are ineligible for this card if your credit shows any bankruptcy history within the last two years.

Pros

Build your credit
Monthly reporting to all 3 major credit bureaus
Minimum security deposit of $200 is on the low end for secured cards
No annual fee

Cons

No rewards
Requires credit check
High regular APR for a secured card: you would be paying interest at 24.24% APR on a loan you gave yourself

Why 5 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

4 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	Either $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance Fee	Either $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APR	Up to 29.99%

Benefits

$0 Fraud Liability

Get Started with Citi Secured Mastercard

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