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#CAPITAL ONE QUICKSILVER CARD UPDATE#

Perks and benefits: Build your credit without paying interest or an annual fee, or undergoing a credit check.

However, make sure to compare our picks to other cards designed for students with limited to no credit history, as what’s best for someone else may not be right or you. We analyzed a broad swath of credit cards in this category, from a variety of issuers, to curate a list of the very best. With a product change, you keep the same account and account history and typically avoid a hard inquiry on your credit report. If your student card offers less desirable terms than other cards from the same issuer, such as subpar rewards, you may wish to request a product change.

#CAPITAL ONE QUICKSILVER CARD UPDATE#

If you land a job with a higher salary after finishing school, make sure to update your income with the issuer, as that may qualify you for a credit limit increase. Generally, after graduation, you’ll keep your credit card and it will continue to operate the same way-though if you received any student-focused perks, such as rewards for good grades, you won’t get those any longer. Earning at least 1% cash back on all spending and elevated rates of 2% to 5% in select categories is plenty, especially since your main goal with a student card is not to accrue a lot of rewards, but rather to establish credit history and build a great credit score. The best student credit cards have a welcome bonus or reward you generously for everyday purchases. Most student cards don’t carry annual fees, making it easy to justify getting one. You’ll want good-to-excellent credit for those things, and a student card can be a great way to get there.

As a student, you might be wondering whether you should even bother with getting a credit card this early in life, and the answer will typically be a resounding “yes!” Your credit score can open up doors for you as an adult to rent an apartment, lease or buy a car and get a mortgage.

Getting a student credit card when you don’t have any credit is a smart first step to establishing a credit history.