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Experian and CreditMatch

Best Credit Cards for College Graduates

If you've just graduated from college, congratulations on your achievement! As you enter the next phase of your life, you'll want to make sure you have a good credit card or two to help you build your credit history and take advantage of the perks credit cards can offer.

Of course, responsible credit usage is key. That means paying your credit accounts on time every month—and avoid carrying a balance. Check out these top credit cards for college grads from our partners.

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    Best No-Fee Cash Back Card for Good Credit


    Best Rewards Card for Limited Credit

    This Card Is Right for You If:

    If you don't have perfect credit but still want to earn rewards, you're in luck. You're likely to get approved for this card even with fair credit. There is an annual fee, but at $39 it's relatively low. You'll earn 1.5% cash back on all purchases, and there are no limits. That means if you spend more than $2,600 on the card each year, you'll offset that annual fee—making the card worth it. You'll also be considered for a higher credit limit in as little as six months.

    Best Travel Rewards Card for Good Credit (No Annual Fee)

    Best Premium Rewards Card for Good Credit

    This Card Is Right for You If:

    If you're willing to pay a $95 annual fee, this is a great premium card to start with. You earn 2 points per $1 spent on all travel and dining purchases worldwide (including eligible delivery services and takeout), 2 points per $1 spent on up to $1,000 in grocery purchases per month (made in-store, picked up or delivered via an eligible service) through April 2021, as well as 1 point per $1 spent on other purchases. You'll also earn 5 points per $1 spent on Lyft rides through March 2022. After you spend $4,000 on purchases within the first 3 months of account opening, you'll get 80,000 bonus points—worth $1,000 toward travel when you redeem through the Chase Ultimate Rewards portal. You can also transfer points on a 1-to-1 basis to a variety of airline and hotel loyalty program partners.

    Best Card for Limited Credit History

    This Card Is Right for You If:

    If you don't have great credit and need a card to help you build or improve your credit standing, consider the Capital One Platinum Credit Card. There's $0 annual fee, and you'll be considered for a higher credit line after in as little as six months. You won't find a lot of frills here, and the APR is relatively high. But it's an unsecured card that will help you improve your credit if you use it responsibly—which will let you graduate on to better cards in the future.