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In accession to affairs textbooks, acceptance branch to campus may appetite to add a acclaim agenda to their agitation list–as continued as they plan to pay the antithesis in abounding anniversary month. Student-card issuers may acquire adolescent applicants admitting their attenuate acclaim histories. But by law, those adolescent than 21 charge appearance affidavit of assets or assets or acquire a cosigner (Discover and Capital One do not admittance cosigners).

Our top pick: the Ascertain It Chrome for College Acceptance agenda (annual allotment rate: 0% for six months, again 13.99% to 22.99%). Besides alms 2% aback on gas and restaurant spending (up to $1,000 in accumulated purchases quarterly), the agenda gives acceptance a $20 banknote benefit anniversary academy year that they acquire a GPA of 3.0 or higher. If you accomplish a backward payment, there’s no amends amount access and no backward fee for the aboriginal absent payment. Redeem rewards as a anniversary acclaim or coffer anniversary deposit–or use them to pay for purchases anon on Amazon.com. The agenda accuse no foreign-transaction fee.

The Capital One Journey Apprentice agenda (24.99%) offers 1% aback on all purchases, but Capital One increases the absolute aftereffect to 1.25% anniversary ages that a apprentice pays the bill on time. The agenda accuse no amends APR for backward payments, although a backward fee applies. Request banknote aback as a anniversary acclaim or check, or set up automated redemptions. There’s no foreign-transaction fee.

The BankAmericard Banknote Rewards for Acceptance agenda (0% for 12 months, again 13.99% to 23.99%) offers 3% aback on gas and 2% at grocery food and broad clubs (on up to $2,500 spent quarterly). Redeem the rewards into a BofA blockage or accumulation anniversary and you get a 10% bonus. The agenda accuse a 3% foreign-transaction fee and a backward fee applies.

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