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Discover® Card

Discover® More Card - $75 Cashback Bonus

0% intro APR on balance transfers for a full 12 months, then the Regular APR.
0% intro APR on purchases for a full 6 months, then the Regular APR.
Get $75 Cashback Bonus when you make $500 in purchases within 3 months.
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Discover® Card

Discover® Open Road Card

2% Cashback Bonus automatically at any gas station and any restaurant.
5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall.
Up to 1% unlimited Cashback Bonus on all other purchases.
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Discover® Card

Discover® More Card

0% intro APR on balance transfers for a full 15 months, then the Regular APR.
0% intro APR on purchases for a full 6 months, then the Regular APR.
5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more.
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Discover® Card

Miles by Discover® Card

12,000 Bonus Miles - Earn 1,000 Miles each month you make a purchase for your 1st year.
1 Mile per $1 on every purchase.
Plus, 2 Miles on travel and restaurant purchases on your first $3,000 each year.
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American Express

True Earnings® Card from Costco and American Express

Earn cash back on gas and a $25 statement credit with your first purchase made with the Card.
Earn cash back virtually everywhere you go - 3% for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco.
No Annual Fee with your paid Costco Membership.
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American Express

Blue Cash® from American Express

0% intro APR on purchases for 6 months and no annual fee.
Flexibility to pay over time.
Get up to 5% cash back on everyday purchases at supermarkets, gas stations and drug stores.
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Discover® Card

Discover® More Card - Black

0% intro APR on balance transfers for a full 12 months, then the Regular APR.
0% intro APR on purchases for a full 9 months, then the Regular APR.
5% Cashback Bonus in categories that change like travel, gas, groceries, restaurants, home improvement stores and more.
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Chase

Chase Freedom® Visa - $50 Bonus Cash Back

Earn $50 Bonus Cash Back after first purchase.
0% Intro APR and No Annual Fee.
5% cash back in quarterly bonus categories like gas, home improvement and department stores, subject to quarterly maximum. Signing up is free and easy!
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Discover® Card

Discover® Motiva Card

Cash rewards for your good credit management.
Each time you make 6 on-time payments in a row, you´ll get a Pay-On-Time Bonus equal to a full month´s interest added to your Cashback Bonus account.
5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall.
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American Express

American Express® Gold Card

Earn 10,000 Membership Rewards® bonus points when you spend $500 in your first 3 months of Card membership - redeemable for select gift cards valued at $100!
The Membership Rewards program - Turn your everyday purchases into Membership Rewards points, and then redeem them for an amazing collection of travel, shopping, dining and entertainment rewards.
Gold Card Events - exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide.
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American Express

Platinum Delta SkyMiles® Credit Card from American Express

Earn 20,000 bonus SkyMiles® (including 5,000 Medallion Qualification Miles) after first purchase and another 2,500 for adding an Additional Cardmember.
Earn one companion Coach Class ticket each year upon renewal.
Earn at least 1 mile for every eligible dollar spent.
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HSBC Bank Nevada

Orchard Bank® Visa® Cards

Reports to 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score!
Acceptance at millions of locations including website purchases and reservations.
Your account information is updated and at your fingertips 24/7 so you can manage it your way.
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American Express

American Express® Premier Rewards Gold Card

3-2-1 Points: Earn Membership Rewards® points up to three times as fast: You can earn 3X points on airfare, 2X points on gas and groceries, and 1X points on everything else.
No annual fee for your first year, a savings of $175.
Earn 15,000 Membership Rewards bonus points when you spend $1,000 in your first 3 months of Card membership.
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American Express

Delta Reserve Credit Card

Annual First-Class companion certificate, which can be used for a First-Class or Coach-Class ticket!
Earn up to 10,000 Medallion® Qualification Miles (MQMs) after your first purchase.
Built-in Miles BoostSM - earn up to 30,000 MQMs and 30,000 bonus miles.
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Applied Bank®

Secured Visa® Credit Card

12.99% Low Fixed APR - Rate Won´t Change Even If You´re Late!
Choose Your Credit Limit - From $200 up to $500.
Monthly Credit Bureau Reporting.
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Chase

Chase SapphireSM

Earn $100 in rewards - that´s 10,000 bonus points after your first purchase!
Redeem points for travel, gift cards, merchandise, cash back and more.
2X points earned on airfare booked through Ultimate Rewards & 1 point for every dollar spent on all other purchases.
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American Express

Blue Sky from American Express®

0% intro APR on purchases for 6 months and no annual fee.
Flexibility to pay over time.
Turn purchases into free travel: Enjoy travel rewards with no travel restrictions or blackout dates - get points for flights on any airline, stays at any hotel, and car rentals with any company.
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MetaBank

READYdebit® Visa® Prepaid Debit Card

Get your routing number & account number instantly!
Easy payroll direct deposit sign up!
Direct deposit your paycheck or social security benefit check.
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HSBC Bank Nevada

Orchard Bank® Classic MasterCards

An excellent credit card for rebuilding credit scores; reports to 3 major credit bureaus monthly!
Acceptance at millions of locations worldwide, including website purchases and reservations.
Your account information is updated and at your fingertips 24/7 so you can manage it your way.
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Discover® Card

Discover® Student Tropical Beach Card

5% Cashback Bonus® in categories that change like travel, department stores, gas, groceries, restaurants, and more means extra money for you, and extra toppings for your pizza.
5% to 20% Cashback Bonus at our exclusive (as in you need to be on the list) online shopping mall.
Up to 1% unlimited Cashback Bonus on everything else you buy - from textbooks to toothpaste, automatically.
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American Express U.K.

Platinum Cashback Credit Card

Typical 19.9% APR variable.
No Annual Fee.
5% Cashback for the first 3 months up to £100.
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Public Savings Bank

Classic Secured Visa® Credit Card

Build credit history - we report to all 3 major credit bureaus.
0% APR on all purchases for the first 6 months.
No annual fees or monthly maintenance fees.
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Discover® Card

Discover® Mix Tape Student Card

Build your credit with our contest-winning student card design - 250,000 votes on 7,000 submissions resulted in the new Mix Tape. Get yours today!
5% Cashback Bonus® in categories that change like travel, department stores, gas, groceries, restaurants, and more means extra money for you, and extra toppings for your pizza.
5% to 20% Cashback Bonus at our exclusive (as in you need to be on the list) online shopping mall.
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American Express U.K.

Red Card

Typical 18.9% APR variable.
No Annual Fee for life.
1% of your total spend goes to the Global Fund, to help fight AIDS in Africa.
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MetaBank

AccountNow® Gold Visa® Prepaid Card

100% Guaranteed Approval.15
$0 Monthly Fee.
Build Credit History.
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Discover® Card

Discover® Student Card - Clear

5% Cashback Bonus® in categories that change like travel, department stores, gas, groceries, restaurants, and more means extra money for you, and extra toppings for your pizza.
5% to 20% Cashback Bonus at our exclusive (as in you need to be on the list) online shopping mall.
Up to 1% unlimited Cashback Bonus on everything else you buy - from textbooks to toothpaste, automatically.
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American Express U.K.

British Airways Premium Plus Card

6,000 bonus BA Miles.
Earn 1.5 BA Miles for virtually £1 you spend.
Double BA Miles on British Airways flight and BA Holidays.
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Site FAQ
Frequently Asked Questions
Secured vs. Unsecured Cards
As a new college student you might be too busy finding your way around campus to worry about credit card management. But the sooner you learn the ins and outs of credit cards, the better. By the time you find your way to the campus post office and check your mail box, there will be plenty of approved credit card offers waiting just for you.

Don't be Late, Pay the Minimum
Late fees, these days, may take a toll on your financial health. It would be especially unfortunate to pay a late fee if your total credit card bill is less than the amount of late fee. To avoid this situation, consider paying a minimum due on your bill if you do not have enough cash on hand to pay off the whole bill on time.

What is APR?
Annual Percentage Rate. The "annual percentage rate," or APR, is disclosed to you when you apply for a card, again when you open the account, and it is also noted on each bill you receive. It is a measure of the cost of credit, expressed as a yearly rate. The card issuer also must disclose the "periodic rate" -- that is, the rate the card issuer applies to your outstanding account balance to figure the finance charge for each billing period

Debit or Credit?
Once you become a student, you?’ll hear this question almost every time you go to pay for something. If you don?’t know the difference between debit and credit, learn fast. A debit card (sometimes also called a check card) is basically cash, not credit. Any time you use a debit card money is withdrawn right out of your checking out. When you pay for an item, your checking account balance goes down. Be sure to keep track of what you spend. Even though you might have $100 in the account today, you might have written a check for $50 yesterday that hasn?’t posted yet. If you spend $60 with your debit card, your check will bounce when it makes it back to the bank. This can lead to all kinds of fees and penalties.

What is Consumers Liability for Unauthorized charges?
"If you have a problem with merchandise or services that you charged to a credit card, and you have made a good faith effort to work out the problem with the seller, you have the right to withhold from the card issuer payment for the merchandise or services. You can withhold payment up to the amount of credit outstanding for the purchase, plus any finance or related charges. If the card you used is a bank card, a travel and entertainment card, or another card not issued by the seller of the defective merchandise, you can withhold payment only if the purchase exceeded $50 and occurred in your home state or within 100 miles of your billing address. If these conditions do not apply to you, you may want to consider filing an action in small claims court -- an informal legal proceeding that can be used to settle disputes. While the maximum amounts that can be claimed or awarded differ from state to state, most small claims courts hear cases involving amounts ranging from $25 to $2,000. Some states have recently raised their limits to $5,000. Check Check your local telephone book under your municipal, county, or state government headings for small claims court listings. " * Shop around for credit card terms that are best for you. * Make sure you understand the terms of a credit card plan before you accept the card. Review the disclosures of terms and fees that must appear on credit-card offers you receive in the mail. * Pay bills promptly to keep finance charges as low as possible. * Keep copies of sales slips and promptly compare charges when your bills arrive. * Protect your credit cards and account numbers to prevent unauthorized use. Draw a line through blank spaces above the total when you sign receipts. Rip up or retain carbons. * Keep a list of your credit card numbers and the telephone numbers of each card issuer in a safe place in case your cards are lost or stolen.

Previous Balance
Previous Balance. As the name suggests, this balance is simply the amount that you owed at the end of the previous billing period. Payments, credits, or new purchases made during the current billing period are not taken into account. Some creditors also exclude unpaid finance charges in computing this balance. If you do not understand how the balance on your account is computed, ask the card issuer. (An explanation of how the balance was determined must appear on the billing statements the card issuer provides you and on applications and pre-approved solicitations the card issuer may send you.)

Take a good look at your Pre-Approved Credit Card Offers
Chances are you have received offers in the mail asking if you would like to open credit card accounts. Frequently, these offers say that you have been "pre-approved" for the card, with a line of credit already set aside for your use. Typically, these offers urge you to accept quickly, "before the offer expires." However, before accepting a credit card offer, understand the cards credit terms and compare costs of similar cards to get the features and terms you want.

Why Does APR fluctuate?
some credit card plans allow the card issuer to change the annual percentage rate on your account when interest rates or other economic Indicators (called indexes) change. Because the rate change is linked to the performance of the index, which may rise or fall, these plans are commonly called "variable rate" plans. Rate changes raise or lower the amount of the finance charge you pay on your account. If the credit card you are considering has a variable rate feature, the card issuer must tell you that the rate may vary and how the rate is determined, including which index is used and what additional amount (the "margin") is added to the index to determine your new rate. You also must be told how much and how often your rate may change.

Do I have a right to know whats in my report?
Yes, if you ask for it. The CRA must tell you everything in your report, including medical information, and in most cases, the sources of the information. The CRA also must give you a list of everyone who has requested your report within the past year?—two years for employment related requests.

Cash Advance
the world of credit can be a maze for the college student. This is why you should always exercise caution when applying for credit cards and using the cards you have. By making careful choices and responsible decisions, you can avoid financial disaster and get the most out your credit. If you educate yourself on credit and understand the terms of all cards you apply for, you can begin to create an excellent credit history for yourself. And with a positive credit history, the sky is the limit!

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