The Ultimate Guide to Credit Cards
Saturday, September 26, 2020

24 Best Credit Cards for Recent College Graduates

Best Credit Cards For Recent College Graduates

credit card advice

Ray FitzGerald
By: Ray FitzGerald
Updated: September 16, 2020
Advertiser Disclosure

Finding the best credit cards for recent college graduates doesn’t have to be a thesis-level research endeavor. Sure, there are a lot of cards out there, but we’ve narrowed the list down to some of our top choices.

Graduation is exciting. The cap, the gown, the proud parents gathered ’round. Maybe a fancy dinner or graduation-present trip.

Then it’s over — and the Real World is at your door. You need to get a job, start paying bills, and do all that “adulting” you’ve heard so much about on the internet (#adulting).

For instance, adults build credit. And one of the easiest ways to establish and build a credit profile is through responsible credit card use. You may even earn rewards while you’re at it.

No/Limited Credit | No/Low Fees | Rewards

Best “No/Limited Credit” Cards for Recent Graduates

While 58% of graduates have at least one credit card, many students have yet to even establish credit, let alone build the good credit score needed to qualify for many of the best rewards credit cards.

Instead, because most new graduates will have no or limited credit history, new credit card options are going to be similarly limited. But there are a number of quality credit cards designed specifically for credit builders.

When choosing a card to build credit, you’ll need to decide between an unsecured credit card or a secured card. Both have advantages and disadvantages, so it’s often best to compare your options.

Unsecured | Secured

Best Unsecured Cards for No/Limited Credit

Unsecured cards are what most people think about when they think about credit cards; they’re a line of credit extended to you by the issuing bank that you can use to make purchases, all without a deposit.

However, the lack of a deposit makes unsecured credit cards riskier for the bank — which can make unsecured cards harder to get for someone with limited credit, so you’ll likely need to look for entry-level unsecured cards like our picks below.

NO/LIMITED CREDIT RATING
★★★★★
4.8
OVERALL RATING
3.8/5.0
  • Pay no annual fee
  • Be automatically considered for a higher credit line in as little as 6 months
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set.
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.99% (Variable)
$0
Average, Fair, Limited
NO/LIMITED CREDIT RATING
★★★★★
4.7
OVERALL RATING
4.5/5.0
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Be automatically considered for a higher credit line in as little as 6 months
  • 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
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.99% (Variable)
$39
Average, Fair, Limited
Surge Mastercard® Review

at Celtic Bank'ssecure website

NO/LIMITED CREDIT RATING
★★★★★
4.7
OVERALL RATING
4.1/5.0
  • All credit types welcome to apply!
  • Free access to your Vantage 3.0 score From TransUnion* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Free online account access 24/7
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
See website for Details
N/A
25.90% - 29.99%
See website for Details
Bad, Poor Credit

+See More Unsecured Cards for No/Limited Credit

Unsecured credit cards are risky for the banks because their only recourse if the cardholder defaults is to go through legal channels to try and get their money back (which can be expensive in and of itself).

One way credit card issuers offset some of this possible loss is through higher fees. This means unsecured cards that approve those with low credit scores or thin credit profiles often carry much higher interest rates than cards aimed at those with higher scores.

In other words? Carrying a balance on an unsecured starter card from month to month will likely be expensive, so always pay your credit card in full each month (which is just plain good credit card behavior in the first place).

Best Secured Cards for No/Limited Credit

Secured credit cards are also good credit-building cards, but they’re a little more involved than unsecured cards. Specifically, you’ll be required to provide a cash deposit to open a secured credit account.

Because secured cards are less risky to the issuer, they often have lower interest rates and fees, as well as offering additional perks. For example, some of our top secured cards come with no annual fee and may even offer cash back rewards.

Applied Bank® Secured Visa® Gold Preferred® Credit Card Review

at the issuer'ssecure website

SECURED RATING
★★★★★
4.8
OVERALL RATING
4.0/5.0
  • Better than Prepaid...Go with a Secured Card! Load One Time - Keep On Using
  • Absolutely No Credit Check or Minimum Credit Score Required
  • Automatic Reporting to All Three National Credit Bureaus
  • 9.99% Low Fixed APR - Your Rate Won’t Go Up Even if You Are Late
  • Activate Today with a $200 Minimum Deposit - Maximum $1,000. * Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
9.99%
$48
Poor/Fair/Limited/Damaged
Bank of America® Cash Back Secured Credit Card Review

at the issuer'ssecure website

SECURED RATING
★★★★★
4.7
OVERALL RATING
4.5/5.0
  • Earn 3% cash back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings
  • Earn 2% cash back at grocery stores and wholesale clubs
  • Unlimited 1% cash back on all other purchases
  • A minimum refundable security deposit of $300 (maximum of $4,900) is required to open this account
  • Access your FICO® Score updated monthly for free, within your Mobile Banking app or in Online Banking
  • $0 annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
23.99%
$0
Bad/Limited
SECURED RATING
★★★★★
4.7
OVERALL RATING
4.0/5.0
  • No annual fee
  • Unlike a prepaid card, there is regular reporting to the 3 major credit bureaus
  • Accepted at millions of locations worldwide
  • Make the minimum required security deposit and you'll get an initial credit line of $200. Plus, deposit more money before your account opens to get a higher credit line
  • Access to an authorized bank account is required to make your $49, $99 or $200 refundable security deposit
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
26.99% (Variable)
$0
Limited, Bad

+See More Secured Cards for No/Limited Credit

With a secured card, your deposit acts as collateral. Essentially, the deposit you make secures the credit line against default, ensuring the bank won’t lose money if you can’t pay your balance.

As such, the size of your deposit will typically determine the size of your credit line. In many cases, you’ll be able to make a deposit larger than the minimum to secure a larger credit line.

One of the best parts about secured credit cards is that your deposit is completely refundable, provided you keep your account in good standing. You can recover your deposit at any time by closing your credit card account.

Best “No/Low Fee” Cards for Recent Graduates

In the modern educational world, student loans are a big part of the picture for many students. In fact, 40% of adults under the age of 30 have student loan debt weighing down their finances.

Of course, even if you do manage to escape college with both your degree and no debt, chances are good you won’t exactly be rolling in the cash for a while yet, which makes saving money wherever you can a top priority.

And one of those places you can save is your credit card. Between cards with no annual fee and cards with no-interest offers, you can often build credit without burdening your budget.

No Annual Fee | 0% APR New Purchases | 0% APR Balance Transfers

Best Cards with No Annual Fee

One of the largest costs associated with credit cards is that pesky annual fee, which can range anywhere from $30 up to $2,500, depending on the perks and rewards. While annual fees can be worth it for some cards and consumers, they’re likely more of a drain than a boon to a new graduates budget.

But you don’t need to shell out the big bucks for a quality credit card, not even if you want awesome rewards. Many of our favorite annual-fee-free credit cards offer the whole package, including purchase rewards and solid sign-up bonuses.

Chase Freedom Flex℠ Review

at the issuer'ssecure website

BEST OVERALL RATING
★★★★★
4.9
OVERALL RATING
4.9/5.0
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
N/A
14.99% - 23.74% Variable
$0
Good/Excellent

8. Discover it® Cash Back

This card is currently not available.

Best Overall Rating
★★★★★
N/A
OVERALL RATING
N/A
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
N/A
N/A

9. Discover it® Miles

This card is currently not available.

Best Overall Rating
★★★★★
N/A
OVERALL RATING
N/A
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
N/A
N/A
N/A

+See More Cards with No Annual Fee

An important thing to remember when it comes to cards without an annual fee is that you may still be charged other types of fees. If you let your balance carry over from month to month, for example, you’ll likely be charged interest fees.

And other transaction types can also come with fees, including balance transfers and cash advances, which both come with service fees as well as their own interest fee rates. Understand the possible charges before making these types of transactions with your card.

Best Cards with 0% Intro APR on New Purchases

Ah, interest fees, the pain-in-the-neck fees that can turn a relatively small purchase into an expensive one in a matter of months. While you can avoid accruing interest fees by paying your balance in full every month, sometimes that simply isn’t an option — especially on a recent-grad budget.

Credit cards that come with introductory 0% APR offers can provide 12 months or more of interest-free purchasing, helping you make those important “real world” purchases while working your way up the corporate ladder. Many of our top-rated offers even come with no annual fees.

0% INTRO APR RATING
★★★★★
4.9
OVERALL RATING
5.0/5.0
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn unlimited 1.5% cash back on all other purchases.
  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
N/A
14.99% - 23.74% Variable
$0
Good/Excellent
0% INTRO APR RATING
★★★★★
4.9
OVERALL RATING
4.8/5.0
  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 15.49%-25.49% variable APR after that
  • Pay no annual fee or foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 15 months
N/A
15.49% - 25.49% (Variable)
$0
Excellent, Good
Wells Fargo Platinum Card Review

at the issuer'ssecure website

0% INTRO APR RATING
★★★★★
4.9
OVERALL RATING
4.6/5.0
  • Introductory 0% APR for 18 months from account opening on purchases and balance transfers (3% balance transfer fee applies)
  • Account protection features such as Zero Liability protection for promptly reported unauthorized transactions, alerts, and cell phone protection
  • My Money Map – tools to help you manage spending and create a budget with ease
  • Access to your FICO® Credit Score with Wells Fargo Online®
  • $0 annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 18 months
0% for 18 months
16.49% - 24.49%
$0
Good

+See More Cards with 0% APR on New Purchases

A key consideration when using 0% APR offers is to remember that they’re temporary. Once your introductory period has expired, your new purchase APR will revert to the default rate listed on your cardholder agreement.

This means any balance from new purchases remaining on your card after the terms expire will start accruing interest at the default rate, so be sure to pay off your balance in full before the promotion expires to avoid being charged interest fees.

Best Cards with 0% Intro APR on Balance Transfer

If more than half of college graduates have at least one credit card, that means at least half of graduates may be leaving college with credit card debt. And chances are good that debt is accruing interest at a high rate.

One of the best ways to lower your interest rate is to transfer your balance to a credit card with a 0% intro-APR. The best balance transfer cards, like our top picks below, can provide 12 months or more interest-free to pay down your balance.

0% BALANCE TRANSFER RATING
★★★★★
4.9
OVERALL RATING
4.7/5.0
  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 14.74% - 24.74%, based on your creditworthiness.
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 14.74% - 24.74%, based on your creditworthiness.
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 months
0% for 21 months
14.74% - 24.74% (Variable)
$0
Excellent/Good
0% BALANCE TRANSFER RATING
★★★★★
4.9
OVERALL RATING
4.6/5.0
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. After that, the variable APR will be 13.74% - 23.74%, based on your creditworthiness. All transfers must be completed in first 4 months.
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 13.74% - 23.74%, based on your creditworthiness.
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid in full.
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® score online.
  • With Citi Entertainment℠, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 months
0% for 21 months
13.74% - 23.74% (Variable)
$0
Excellent/Good
0% BALANCE TRANSFER RATING
★★★★★
4.8
OVERALL RATING
4.8/5.0
  • Earn cash back twice. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
0% for 18 months
13.99% - 23.99% (variable)
$0
Excellent/Good

+See More Cards with 0% APR on Balance Transfers

One thing to note about balance transfers is that most credit cards will charge a balance transfer fee to move a balance to that card. These fees can range from 3% to 5% of the total balance you want to move and can reduce the amount that can be transferred.

Additionally, you can’t transfer a balance between cards from the same issuer. For example, you can’t transfer a Chase credit card balance to another Chase credit card. Finally, keep in mind that you generally won’t earn any rewards for transferred balances, nor will they count toward the spending requirement for a signup bonus.

Best “Rewards” Cards for Recent Graduates

For those diligent graduates who worked to build good credit while still in school, the options for an after-graduation credit card may be a whole lot more expansive than those available to their no-credit classmates.

And those options include a wealth of awesome rewards credit cards that can turn almost any purchase into a rewarding buy.

Rewards credit cards come in three main types: cash back, air miles, and points. The type of rewards you should seek out will depend on your personal spending style, as well as how you’re most likely to redeem your rewards.

Cash Back | Air Miles | Points

Best Cash Back Rewards Credit Cards

Cash back rewards are most often the simplest to redeem, with the option to cash in your rewards for a statement credit or a deposit into a qualifying bank account.

You’ll typically find two types of cash back cards. The first simply provides the same rewards rate for every card purchase, while the second also offers bonus rewards for specific types of purchases. Our list of favorite cash back cards includes the best of both worlds.

CASH BACK RATING
★★★★★
5.0
OVERALL RATING
5.0/5.0
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn unlimited 1.5% cash back on all other purchases.
  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
N/A
14.99% - 23.74% Variable
$0
Good/Excellent
Chase Freedom Flex℠ Review

at the issuer'ssecure website

CASH BACK RATING
★★★★★
4.9
OVERALL RATING
4.9/5.0
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1% on all other purchases.
  • No annual fee.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% Intro APR on Purchases 15 months
N/A
14.99% - 23.74% Variable
$0
Good/Excellent
Blue Cash Preferred® Card Review

at the issuer'ssecure website

CASH BACK RATING
★★★★★
4.9
OVERALL RATING
4.9/5.0
  • Earn 6% cash back at U.S. supermarkets and on select U.S. streaming subscriptions
  • Earn 3% cash back on transit, including gas, taxis/rideshare, parking, tolls, trains, buses, and more. All other purchases earn 1% cash back.
  • Earn $300 back in the form of a statement credit after you spend $1,000 in purchases on your new card in your first 3 months of Card Membership
  • 0% intro APR for 12 months from the date of account opening
  • $95 annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 months
N/A
13.99% - 23.99%
$95
Good/Excellent

+See More Cards with Cash Back Rewards

To choose the right cash back card, consider where you spend the most each month, and select a card that complements those purchases. For example, if you spend a lot on gas, groceries, and other common purchases, choose a card that offers bonus cash back for those categories.

If, on the other hand, your spending doesn’t fall into common categories, you’ll likely be better off with an unlimited flat-rate cash back card that offers 1.5% or better on all purchases.

Best Air Miles Rewards Credit Cards

Each year, many new graduates strap on their backpacks and head out on a travel adventure before they have to join the workforce. But traveling the world isn’t exactly cheap, which is where travel rewards credit cards can be handy.

With a good travel rewards credit card, like those on our list below, you can earn miles that can be redeemed for free flights, hotel stays, and other travel-related expenses, turning an expensive pipe dream into a more affordable reality.

AIR MILES RATING
★★★★★
5.0
OVERALL RATING
4.9/5.0
  • Earn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3000 on purchases in the first 3 months
  • Earn unlimited 2X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✔®
  • Redeem on travel—from vacation rentals to car rentals and more. Plus transfer your miles to over 10+ travel loyalty programs
  • No foreign transaction fees
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
17.24% - 24.49% (Variable)
$95
Excellent, Good
AIR MILES RATING
★★★★★
4.9
OVERALL RATING
4.8/5.0
  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®.
  • 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 80,000 points are worth $1,000 toward travel.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That's 3X points in addition to the 2X points you already earn on travel.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
15.99% - 22.99% Variable
$95
Good/Excellent
AIR MILES RATING
★★★★★
4.9
OVERALL RATING
4.8/5.0
  • $0 annual fee and no foreign transaction fees
  • Earn a bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn unlimited 1.25X miles on every purchase, every day
  • Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Transfer your miles to over 10+ travel loyalty programs
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 months
N/A
15.49% - 25.49% (Variable)
$0
Excellent, Good

+See More Cards with Air Miles Rewards

When comparing air miles cards, you’ll come across both co-branded and bank-branded cards. Co-branded cards earn frequent flyer miles for specific airlines, and those miles can only be redeemed for flights with those airlines.

The more flexible travel rewards cards are those only branded with the issuing bank (e.g., Chase, Capital One), as these points and miles can often be redeemed directly for travel on any airline (or with any hotel brand).

Best Points Rewards Credit Cards

With the ability to redeem points for both cash back and travel in many cases, points rewards credit cards are often the best choice for those who want versatile rewards and a variety of redemption options.

As with other types of rewards cards, points rewards come in two flavors: unlimited flat-rate rewards or bonus category rewards. Given that the best pick for you will depend on your personal spending habits, it can be beneficial to explore both types, starting with our top picks below.

POINTS & GIFTS RATING
★★★★★
4.9
OVERALL RATING
4.8/5.0
  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®.
  • 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 80,000 points are worth $1,000 toward travel.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Earn 5X points on Lyft rides through March 2022. That's 3X points in addition to the 2X points you already earn on travel.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
15.99% - 22.99% Variable
$95
Good/Excellent
Wells Fargo Propel American Express® Card Review

at the issuer'ssecure website

POINTS & GIFTS RATING
★★★★★
4.9
OVERALL RATING
4.8/5.0
  • Earn 3X points on eating out and ordering in; gas stations, rideshares, and transit; flights, hotels, homestays, and car rentals; and popular streaming services - all other purchases earn 1X points
  • Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months
  • Introductory 0% APR on purchases and balance transfers for 12 months from account opening
  • No limit to points you can earn, and points don't expire as long as your account remains open
  • Cell phone protection helps protect your cell phone from damage or theft
  • $0 annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% for 12 months
0% for 12 months
14.49% - 24.99%
$0
Good/Excellent
American Express® Gold Card Review

at the issuer'ssecure website

POINTS & GIFTS RATING
★★★★★
4.9
OVERALL RATING
4.8/5.0
  • Earn 4X Points at U.S. supermarkets and restaurants, 3X points on flights, 1X points on everything else
  • Earn 35,000 Membership Rewards® points after you spend $4,000 on purchases on your new card in your first 3 months of card membership
  • Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • Select one qualifying airline and then receive up to $100 in statement credits per calendar year when incidental fees, like checked bags and in-flight refreshments, are charged by the airline to your Gold Card account
  • $250 annual fee
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
15.99% - 22.99%
$250
Excellent

+See More Cards with Points Rewards

Although points rewards can usually be redeemed for a wide range of things, including cash back, travel, and gift cards, not all redemption options offer the same per-point value.

In many cases, redeeming points directly for travel or by transferring to a qualifying hotel or airline partner (when available) can provide the best per-point value.

Start Off Your Professional Life with Good Credit Decisions

After years of hard work, lectures, and exams, graduating can be a huge relief — right up until you realize you now have to start being an adult.

One of the most important things you can do to start your post-college financial life off right is to start responsibly building credit. But the keyword here is responsibly.

Establishing a credit profile will do you little good if you start by building bad credit, so be sure to practice responsible credit behaviors.

This includes always (always, always) paying your debts and bills on time, maintaining low credit card balances, and being stingy about opening new credit lines.

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