What Specific Credit Card Should I Get as a University Student?
I get that there are general first time student card holder recommendations. I want to get the most out of credit card(s) once I start using them. I am comfortable juggling whatever combination of cards would be best. I am decently fiscally savvy, but simply don't know which card(s) are best for my circumstance.
CREDIT PROFILE
* Current credit cards you are the primary account holder of:
* None - looking for first card
* FICO scores with source: Experian 661
* Oldest credit card account age: 0
* Cards approved in the past 6 months: 0
* Cards approved in the past 12 months: 0
* Cards approved in the past 24 months: 0
* Annual income $: 27600 (Before taxes, expect to pay 2-3k in tuition fees per year)
CATEGORIES
* Ok with category-specific cards?: Yes
* Ok with rotating category cards?: Yes
* Estimate average monthly spend in the categories below.
* Dining $: 80
* Groceries $: Walmart: 300. Local Asian Market: 60
* Gas $: 0
* Travel $: 170 (I travel to conferences and am reimbursed by the university, this amount varies year-by-year).
* Using abroad?: Yes, International Conferences
* Other categories or stores: 525 rent, 15 internet, 100 local game store
* Other spend:
* Pay rent by card? Yes, amount and fee: 525, 543.40 with fee
MEMBERSHIPS & SUBSCRIPTIONS
* Big bank customer: Simmons
PURPOSE
* Purpose of next card: First Credit Card
* Authorized user on any other card(s)?: No
* Cards being considered: Discover it Student Cash Back
ADDITIONAL INFO
I am a graduate student set to graduate with a masters degree this fall. I am set to graduate with a PhD 2 years after that. I am currently 21 and rent an apartment with 3 other people. I work as a graduate research assistant, thought I may have to be a teaching assistant next year instead, which is effectively a pay decrease due to there not always being a semester in session, and TAs not being paid outside of weeks adjacent to those when classes are held.
Posted Aug 14, 2026, 6:07 AM UTC