The Ultimate Guide to Credit Cards
Wednesday, November 13, 2024

Best Gas Credit Cards

Zina Kumok

By: Zina Kumok

Zina Kumok

Zina Kumok,

Zina Kumok is a personal finance writer, certified financial health counselor, and certified student loan counselor. She works as a money coach helping people one on one at ConsciousCoins.com. Her advice has been featured in Lifehacker, FoxBusiness, Time Magazine, Investopedia, Forbes, and several other major financial brands. She paid off $28,000 worth of student loans in three years. She's a three-time Plutus Awards finalist for Best Personal Finance Contributor and a three-time speaker at FinCon, the premier financial media conference.

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Editor: Lillian Guevara-Castro

Lillian Guevara-Castro

Lillian Guevara-Castro, Senior Editor

Lillian Guevara-Castro brings more than 30 years of editing and journalism experience to the CardRates team. She has worked at The Atlanta Journal and Constitution, Gwinnett Daily News, Gainesville Sun, and The New York Times, where she covered demographics, consumer issues, and the business and financial sectors. Lillian has a degree in journalism and communications from Georgia State University and brings her fact-checking expertise to ensure Digital Brands content is accurate and engaging.

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Reviewer: Ashley Fricker

Ashley Fricker

Ashley Fricker, Senior Editor

Ashley Fricker has more than a decade of experience as a finance contributor and editor, and has specialized in the credit card industry since 2015. Her credit card commentary is featured on national media outlets that include CNBC, MarketWatch, Investopedia, and Reader's Digest, among many others. She has worked closely with the world’s largest banks and financial institutions, up-and-coming fintech companies, and press and news outlets to curate comprehensive content and media. Ashley holds a bachelor's degree in multimedia journalism from Florida Atlantic University.

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Below are our picks for 2024's top gas rebate credit cards. Many of these cards can be used at any gas station and offer users significant rewards and rebates on gas purchases.

Disclosure: When you apply through links on our site, we often earn referral fees from partners. For more information, see our ad disclosure and review policy.

All Results | 0% Intro APR | Fair Credit | Poor Credit | For Business | For Students

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CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across CardRates.com (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.

Review Breakdown: Gas Credit Cards

If you're looking to save at the pump, there's no easier way than to use a gas rebate credit card. Whether it's cash back or other rewards you seek, there's no reason not to use a card that rewards you for using it. Below is a simple summary of 2024's top gas credit cards. Click any card name to visit its official website.

Here are 2024's best gas rebate credit cards:

Best Gas Rebate Credit Cards
Rank Card Name Feature Annual Fee Expert Rating
1 Discover it® Cash Back 1% cash back $0 ★★★★★ 4.9 See our review See rates & fees
2 Capital One Quicksilver Cash Rewards Credit Card 1.5% cash back $0 ★★★★★ 4.8 See our review See rates & fees
3 Costco Anywhere Visa® Card by Citi 1% cash back $0 ★★★★★ 4.8 See our review See rates & fees
4 Chase Freedom Unlimited® 1.5% cash back $0 ★★★★★ 4.8 See our review
5 Citi Strata Premier℠ Card Gas Rebate 95 ★★★★★ 4.8 See our review See rates & fees
6 Bank of America® Customized Cash Rewards credit card for Students Gas Rebate $0 ★★★★★ 4.7 See our review
7 More Rewards American Express® Card 3X points $0 ★★★★★ 4.7
8 Capital One QuicksilverOne Cash Rewards Credit Card 1.5% cash back $39 ★★★★★ 4.7 See our review See rates & fees
9 Citi Double Cash® Card 1% cash back $0 ★★★★★ 4.7 See our review See rates & fees

19 FAQs About Gas Credit Cards

Zina Kumok
By: Zina Kumok
Updated:
19 FAQs About Gas Credit Cards
CardRates.com Guide: Gas Rebates

When you drive a lot, finding the best gas credit cards is important. It can mean earning hundreds of dollars in rewards every year, along with travel bonuses and other perks. But how do you find the right gas card for your lifestyle?

The answer isn’t always obvious, but that’s why we’re here to help. We’ve put together a guide to help you figure it all out — why a gas credit card can help you, what options to consider, and how to choose the right one.

1. What is a Gas Credit Card?

A gas credit card may refer to a gas rewards credit card that provides extra cash back for gas station purchases. These types of rewards cards may also offer cash back on other eligible purchases like groceries, restaurants, or travel.

The term may also refer to a credit card directly issued from a gas station company. For example, bp has its own credit card (or fleet card) that provides discounts on gas prices when you use it at bp and Amoco gas stations.

Using a gas credit card may save you money on fuel purchases or provide cash back that you can redeem for a travel reward offer. If you travel a lot for work, have a long commute, or take frequent road trips, a gas credit card can save you some serious money. Why use a debit card when a good gas credit card can earn you rewards and discounts on future gas purchases?

Some gas credit cards require an excellent credit score to acquire, while others accept those with no credit history. Some will have special signup bonuses, while some provide few bonus rewards. Annual fees and interest rates will also vary, and some cards will have special balance transfer offers or 0% APR on new purchases.

2. How Does a Gas Credit Card Work?

A gas credit card works like any other type of credit card. If you use the card at an eligible gas station, the card provider will issue a reward that fits the card’s terms and conditions.

Some gas credit cards provide a discount on gas during the time of purchase, while others will give you a percentage of each eligible purchase as cash back rewards or points on your account. There may be rules on how you can redeem these rewards and what you can redeem them for.

Like other credit cards, gas credit cards may have special 0% APR offers on new purchases or balance transfers.

3. How Do I Get a Gas Credit Card?

To apply for a consumer gas credit card, you’ll need to provide personal information including your full legal name, address, Social Security number, employer, employer’s contact information, and salary, among other details.

The card issuer may instantly approve your application or it may need a few days to review your information. If it seems like the process is taking too long, don’t be afraid to follow up.

If you’re applying for a business credit card, the card issuer will likely ask for information about your business, including:

  • Business name
  • Business address, phone number, and email address
  • Type of business (sole proprietor, LLC, partnership, etc)
  • Tax identification number, employer identification number (EIN), or Social Security number (SSN)
  • Names of employees who will be receiving a card

If you’re denied for a card, the card issuer is legally obligated to explain why. You’re also entitled to receive a free copy of your credit report within 60 days of your application being denied.

Check your credit score before applying for a gas credit card. If your score is below 600, then you may have trouble being approved for a gas rewards card. However, you may still be a good candidate for a secured gas credit card.

4. What is the Best Gas Card?

There are many gas rewards cards on the market, and most of them have other benefits and perks beyond extra cash back for gas station purchases.

Here are the best gas credit cards on the market.

Blue Cash Preferred® Card

The Blue Cash Preferred® Card is one of the most popular gas cash back cards. Cardholders earn bonus cash back at grocery stores, streaming services, gas and transportation expenses, and 1% cash back on all other purchases.

Blue Cash Preferred® Card Review

New cardholders will earn a welcome bonus when they meet the minimum spending requirement in the first three months that will be applied as a statement credit.

The card may offer a 0% APR promotion after which the variable APR will kick in. Unlike most other gas credit cards, the Blue Cash Preferred® Card doesn’t allow balance transfers.

This card charges an annual fee, so you should only apply if you’ll earn more than the annual fee in cash back. For example, if you spend more than $6,000 on groceries every year, you’ll earn $265 in cash back when you use this card, minus the annual fee.

Costco Anywhere Visa® Card by Citi

The Costco Anywhere Visa® Card by Citi is one of the best gas rewards credit cards. Cardholders earn elevated cash back on every gas purchase up to a specified limit.

Cardholders will also earn bonus cash back on restaurants and travel, and on Costco and Costco.com purchases. All other purchases earn 1% back.

You have to be a Costco member to be eligible for this card, so it only makes sense to apply if you’re a regular Costco shopper or you spend a lot of money on gas every month. View Costco membership prices on their website for both personal and business memberships.

Unlike other cash rewards credit cards, the rewards for this card are redeemed once a year on your February billing statement. Most cards let you redeem rewards at any point. This card does not earn Citi ThankYou Points as other Citi cards do.

Abound Credit Union Platinum Visa

The Abound Credit Union Platinum Visa provides 5% cash back on every gas purchase you make, one of the highest cash back rates currently available. You’ll also earn 3% cash back on home improvement purchases and 1% cash back on all other everyday purchases.

There’s no limit on how much cash back you can earn. Unlike other cards, you don’t have to do anything to receive your rewards. They’re automatically credited to your account.

You’ll have to join and become a member of Abound Credit Union to apply for this card. There’s a $10 one-time membership fee and no other membership requirements.

Abound also has one of the lowest APRs for gas rewards cards for new purchases, cash advances, and balance transfers. There’s no balance transfer fee, no annual fee, and a 1% foreign transaction fee. Unlike other gas credit cards, there is no signup bonus with this card.

Chase Freedom Flex℠

The Chase Freedom Flex℠ is the newest offering from Chase and replaces the traditional Chase Freedom card.

Customers can earn bonus cash back on categories that rotate every quarter, including gas station purchases. Cardholders have to manually activate these extra bonus categories every quarter to earn the bonus rewards, and bonus rate rewards are capped to a spending limit. You can ask Chase to remind you to activate these extra rewards or create a recurring reminder in your phone or calendar.

Rewards can be redeemed at any time and never expire if the card remains open. This card also offers a signup bonus for new cardholders who meet the minimum spending requirement within three months of card activation.

Apple Card

The Apple Card is a credit card available to those who use Apple Pay, the contactless form of payment available with iPhones and Apple Watches.

The Apple Card offers 3% cash back on Exxon and Mobil gas station purchases when you use the contactless payment option at checkout. All cash back earned is deposited immediately into your Apple Pay account.

The APR ranges based on your credit score. There are no annual, foreign transaction, or late fees. According to the official website, those with credit scores of 660 or higher have the best chance of being approved.

Sam’s Club Mastercard

Sam’s Club shoppers should consider applying for the Sam’s Club Mastercard. The card offers a signup bonus and elevated cash back on gas, travel, and restaurant purchases. Cardholders can only earn a maximum of $5,000 in cash back rewards in a year.

Like the Costco card, cash back is issued once a year in February and can only be used for Sam’s Club purchases.

There’s no annual fee or foreign transaction fees. The interest rate varies based on your credit score.

Wells Fargo Propel American Express® Card

The Wells Fargo Propel American Express® Card offers bonus points for purchases made at gas stations, restaurants, rideshare services, travel, and streaming services. Cardholders earn 1x points on all other purchases.

Users can receive bonus points when they meet the required minimum spending threshold in the first three months of card activation. There’s no annual fee and a 0% promotional APR on new purchases and balance transfers.

Wells Fargo requires a 2,500-point redemption minimum. Points can be redeemed for travel purchases, gift cards, cash, and more.

(The information related to Wells Fargo Propel American Express® Card has been collected by CardRates.com and has not been reviewed or provided by the issuer or provider of this product or service. The Wells Fargo Propel American Express® Card is no longer accepting new applicants.)

Blue Cash Everyday® Card from American Express

The American Express Blue Cash Everyday® Card is similar to the Blue Cash Preferred Card, but it has a slightly lower cash back rate and no annual fee.

Cardmembers earn bonus cash back for supermarket purchases of up to $6,000 in one year, after which the rewards rate drops to 1%. They also get more cash back for purchases made at gas stations and department stores, and 1% cash back on all other qualifying purchases.

Cardmembers can also earn a small welcome bonus by meeting the spending requirements.

5. What is the Best Gas Card for Business Owners?

Business owners who travel often would benefit from a fuel card, sometimes referred to as a fleet card, that earns them cash back. We’ve compiled a list of the best gas station credit cards for business owners below.

Costco Anywhere Visa® Business Card by Citi

Costco Anywhere Visa® Business Card by CitiLike the regular Costco Citi card, the Costco Anywhere Visa® Business Card by Citi is designed for Costco shoppers who also spend a lot on gas.

Rewards will be added once a year after the February billing statement. Cardholders can redeem the rewards for cash or Costco purchases.

Ink Business Cash® Credit Card

The Ink Business Cash® Credit Card is one of the most popular business cash back credit cards. It offers bonus cash back on purchases made at office supply stores, internet, cable, and phone service providers, up to the maximum limit.

Cardholders also earn elevated cash back at restaurants and gas stations and 1% cash back on all other qualifying purchases. Business owners can also get extra cards for employees free of charge.

Rewards can be redeemed through the Chase Ultimate Reward portal where they can be used for travel purchases including airline, hotel, cruise, and rental car transactions. They can also be redeemed for retailer gift cards or merchandise at the Apple® Ultimate Rewards Store, among other options. The Chase Ultimate Reward program is one of the industry’s most lauded rewards programs.

6. Is a Gas Credit Card Worth it?

Gas credit cards may be worth it if you drive often or own a car with poor gas mileage. Having a gas credit card can reduce some of the costs associated with driving.

As with other reward credit cards, gas credit cards may have annual fees or higher APRs.

Some people have trouble regulating their spending on a credit card and may rack up a balance they can’t afford to repay. If you’ve had problems with credit card debt before, you should consider if the perks of a gas credit card outweigh the risks.

7. How Do I Redeem Gas Rewards?

Every cash back and rewards card has its own redemption system and rewards rate. Some card issuers only let you get cash back as a statement credit on your account, while others let customers redeem cash back for gift cards, travel purchases, and merchandise, among other options.

Cardholders may impose a minimum threshold for reward redemption, but many don’t. Both the Costco cards and Sam’s Club cards only allow rewards to be redeemed once a year.

Make sure you understand the redemption terms before signing up for a gas rewards card. Most cards require you to manually redeem rewards, but some may also have an automatic redemption process.

8. What is the Easiest Gas Credit Card to Get?

You’ll have an easier time qualifying for a secured gas credit card if you have no credit or bad credit. If you have good or excellent credit, you’ll likely be eligible for some of the best gas credit cards.

The Bank of America® Customized Cash Rewards Secured Credit Card offers cash back in a monthly category of your choosing, one option being gas station purchases. You can change this monthly to match your spending. As with all secured cards, you will need to make a minimum deposit to open the account.

9. How Do I Choose the Best Gas Credit Card?

With so many different types of gas credit cards on the market, it’s hard to choose the right one. In general, it’s best to choose a gas credit card that rewards customers for non-fuel purchases. You’ll earn more cash back and points on your purchases outside of gas stations.

Look at the various rewards cards and see which one best fits your overall lifestyle. If you already have a travel rewards card, you don’t need a gas credit card that also provides cash back for travel purchases.

10. Which Gas Stations Have Gas Credit Cards?

Here’s a look at some nationwide gas stations that provide their own credit cards:

bp Visa® Credit Card

The bp Visa® Credit Card offers 10 cents off per gallon when shopping at a bp or Amoco station. The card also offers 3% cash back for supermarket purchases and 1% cash back on all other purchases. New customers earn 25 cents off per gallon for the first 30 days.

This card does not charge an annual fee, and the regular purchase APR will vary based on your credit score.

Shell Fuel Rewards® Credit Card

The Shell Fuel Rewards® Credit Card offers new cardholders 30 cents off per gallon on the first five transactions, up to 20 gallons. After that, you’ll receive 10 cents off the gas price of each gallon — up to 20 gallons — on every purchase.

You’ll also get 10% rebates on the first $1,200 worth of non-gas purchases each year. The card has a variable APR based on your credit score and charges no annual fee.

ExxonMobil Smart Card

The ExxonMobil Smart Card provides 25 cents off per gallon for the first two months of card ownership, at which point it switches to 6 cents off per gallon. This only applies to Exxon Synergy gas, which is available nationwide.

There is no annual fee, and the APR for purchases varies based on your creditworthiness.

Drive Savvy® Rewards Credit Card

The Drive Savvy® Rewards Credit Card rewards customers who buy gas at Phillips 66, Conoco, and 76 gas stations.

The best way to maximize rewards is to download each of the apps for the three gas stations and link the Drive Savvy® Rewards Credit Card to the apps. Cardholders earn 15 cents off per gallon when paying with the app, and an extra 10 cents off per gallon when using the Drive Savvy card with the app.

11. What Credit Score is Needed for a Gas Card?

You generally need to have a good credit score to be eligible for a gas rewards card. Some cards may require a score of 700 or more, while others may approve you with a score in the fair range. Each issuing bank sets its own approval standards.

FICO Score® Ranges

Consumers with scores below 600 should apply for a secured gas credit card. Secured cards are specifically designed for applicants who have poor or no credit.

12. Will a Gas Card Help Build My Credit?

Using a gas credit card can help build your credit if you use the card responsibly. The best way to build good credit with a fuel card is to pay the bill on time every month.

On-time payment accounts for 35% of a person’s credit score and is the single most important credit scoring factor. Missing even one payment can reduce your credit score, especially if you don’t have a long credit history.

FICO Credit Score Factors

The easiest way to never miss a payment is to set up automatic payments. Most credit cards have an autopay function that pulls money directly from your bank account when the payment is due.

You can decide whether to pay the full statement balance or the minimum payment. If you don’t want to set up automatic payments, create a calendar reminder on your phone so you never miss a payment.

The next most important factor to your credit score is your credit utilization, which refers to how much available credit you have compared to the total credit limit available to you.

For example, if the credit limit is $5,000 and the balance is $1,000, then the credit utilization is 20%. This makes up 30% of your credit score.

Ideally, you should have a credit utilization of 10% or less. Credit bureaus will start to ding your credit score if you exceed 30% utilization.

If you’re using a secured card, you should be even more watchful of your credit utilization. Secured cards usually have a low credit limit, so it’s easy to reach 30% utilization without realizing it.

For example, if the credit limit is $200, you should never have more than a $60 balance on the card.

Credit bureaus calculate credit utilization once a month when the statement is posted. If you find yourself exceeding the 30% benchmark, try paying off part of the credit card balance before the statement is posted. This is one hack to lower your credit utilization while still trying to maximize your credit card rewards.

If you’re using a secured gas credit card, you may be able to transition to a regular or unsecured credit card after several months of on-time payments.

Keeping your gas card open for a long time will also help your credit score because it will increase your average credit age. That’s why it helps to choose the best gas credit card that fits your needs and lifestyle — not one that you’ll just cancel after a few months.

13. Are there Gas Credit Cards for Bad Credit?

If you don’t have any kind of credit history, your best option is to sign up for a secured card that also offers cash back rewards for gas station purchases. Secured cards are designed for those building their credit, so they have lower eligibility standards.

If you have bad credit, you’re better off only applying for a secured card instead of a regular card. Every time you apply for a credit product, you add a hard inquiry to your credit report.

This can decrease your credit score by five to 10 points. If you apply for a regular credit card and get denied, you’ll have lowered your score for nothing.

If you’re not sure what your credit score is, you can check it for free on several different websites. If your score is below 700, you likely won’t qualify for the best cash rewards credit cards. In that instance, choose a secured card instead.

14. Do Gas Cards Charge Annual Fees?

Some gas credit cards charge annual fees, but the best ones typically do not. When you’re comparing various cards, try to find one that doesn’t come with an annual fee.

Required Spend to Make Up Annual Fee with 1% Rate Differential

In some cases, a card with an annual fee will have other benefits and perks that make up for it. Do the math to see if you’ll outearn the annual fee when taking into account all the other benefits. This will depend on your regular spending history.

Another thing to note is that some rewards credit cards limit the amount of bonus rewards you can earn in a given quarter or year. Once you hit the spending cap, your remaining category purchases will typically earn rewards at whatever the unlimited rate is (likely 1% cash back or 1X point or mile per dollar).

15. Do Any Secured Cards offer Fuel Rewards?

Yes, several secured cards offer purchase rewards, including cash back or points on fuel purchases. We’ve compiled a list of the best options.

Bank of America® Customized Cash Rewards Secured Credit Card

Customers who open the Bank of America® Customized Cash Rewards Secured Credit Card can choose which category they want to earn bonus cash back in. Choices include:

  • Gas stations
  • Online shopping
  • Dining
  • Travel
  • Drug stores
  • Home improvement/furnishings

You can change the special category once a month through the online portal or the Bank of America app. Rewards can be redeemed for statement credit or deposited directly into a Bank of America checking or savings account. Cash rewards never expire.

You can also deposit rewards into a linked Merrill Lynch account, including a retirement or 529 account. Bank of America also provides a free FICO credit score that is updated monthly.

Discover it® Secured Credit Card

The Discover it® Secured Credit Card offers cash back at gas stations and restaurants on up to $1,000 worth of combined purchases each quarter.

Discover will match all the cash back earned after the first year. If you earn $500 in cash back during the first year, Discover will send you an extra $500.

This card has no annual fee and no foreign transaction fees. Discover provides your FICO credit score for free on every monthly statement. Discover also doesn’t charge a late fee on a cardholder’s first late payment, and customers are not charged a penalty APR for late payments either.

Cash back can be redeemed for statement credit or be applied toward purchases at Amazon.com. Cash back rewards never expire. Discover reports card activity to all three credit bureaus, which will improve your credit score over time.

16. Do Gas Cards Allow Balance Transfers?

Most gas credit cards allow balance transfers, just as regular credit cards do. They may or may not have special balance transfer introductory periods with 0% APR. These are subject to change by the card issuer.

If they do offer balance transfers, they’ll almost always charge a balance transfer fee. These fees often have a minimum dollar amount ranging from $5 to $10, or a percentage ranging from 3% to 5%. The Abound Credit Union Platinum Visa does not have a balance transfer fee at the time of writing, but this can change at any time.

Balance Transfer Fees

If you have a large balance from another credit card, verify that it makes sense to transfer that balance onto the gas rewards card. You can use a balance transfer calculator to see how much you’ll save, and whether it’s worth the hassle.

Consumers who have a balance on another card may consider opening a card with a special balance transfer offer.

17. Is there a Prepaid Gas Card?

Many gas stations sell prepaid gas cards, similar to gift cards from other retailers. You can often buy these directly from gas stations or purchase them online and have them shipped to you.

You can’t earn cash back with prepaid gas cards the way you can with gas credit cards. Prepaid gas cards also won’t help you build your credit.

There’s no way to get the money back if a prepaid gas card is lost or stolen. Also, some prepaid gas cards may expire after a certain point or charge a fee if they’re not used by a certain date. Steer clear of prepaid gas cards unless you’re buying them as a gift for someone else.

One way you actually can earn rewards with a prepaid card is to buy a gift card that will also pay out extra fuel points. For example, Kroger offers 4x fuel points when you buy a gift card from an approved retailer. These include Netflix, Uber, Grubhub, and Kohls.

You can even buy a Kroger gift card, earn 4x fuel points, and then use the Kroger gift card to shop for groceries. Every 100 Kroger fuel points can be redeemed for 10 cents off a gallon of gas.

You can only redeem Kroger fuel points at Kroger gas stations, so this strategy works best for those who live near a Kroger gas station and buy groceries there.

18. Can You Use a Gas Credit Card if Your Employer Reimburses You for Gas?

If you drive a lot for work, your employer likely reimburses you for gas or lets you use a company gas card. Employees who can use their own payment method will benefit from having a gas card because they’ll earn rewards on top of being reimbursed for gas.

Your company won’t know if you use a gas station credit card or another type of rewards credit card. All they’ll see are the receipts that you submit.

Applying for a gas credit card when you drive long distances for work lets you earn more rewards without increasing your personal spending on a debit card.

19. Can I Give My Child a Gas Credit Card?

If your child is driving regularly, you may want them to have their own gas rewards credit card. Children under the age of 18 are not allowed to be the primary cardholder on a credit card, but most credit card providers allow children between ages 13 and 16 to be added as authorized users on a parent’s credit card.

Minimum Age for Authorized Users by IssuerYou can call the credit card company or go online to add your child as an authorized user to your gas cash rewards credit card. Most card issuers don’t charge a separate fee for this service.

Any charges made on your child’s card will be your legal and financial responsibility. It may help to check the card balance regularly to ensure they haven’t run up a huge balance.

Help them understand how a credit card works and what they’re allowed to use it for. Establishing clear, firm rules will help you avoid any financial disasters — and give them a strong understanding of how to responsibly manage a line of credit. That will prove especially helpful once they’re old enough to sign up for their own card.

Adding your child as an authorized user can also help them build their own credit history. This can make it easier for them to qualify for an apartment after college without needing a cosigner, or sign up for their own utility services without having to put down a deposit. It will also allow them to apply for their own auto loan or refinance their student loans.

Editorial Note: Our site content is not provided or commissioned by any credit card issuer(s). Opinions expressed on CardRates.com are the author's alone, not those of any credit card issuer, and have not been reviewed, approved, or otherwise endorsed by credit card issuers. Every reasonable effort has been made to maintain accurate information; however, all credit card offer details, including information about rewards, signup bonuses, introductory offers, and other terms and conditions, is presented without warranty. Clicking on any offer on CardRates.com will direct you to the issuer's website, where you can review the current terms and conditions of the offer.

The information on this page was reviewed for accuracy on .

About the Author

Zina Kumok Zina Kumok

Zina Kumok is a personal finance writer, certified financial health counselor, and certified student loan counselor. She works as a money coach helping people one on one at ConsciousCoins.com. Her advice has been featured in Lifehacker, FoxBusiness, Time Magazine, Investopedia, Forbes, and several other major financial brands. She paid off $28,000 worth of student loans in three years. She's a three-time Plutus Awards finalist for Best Personal Finance Contributor and a three-time speaker at FinCon, the premier financial media conference.

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