What are the top credit cards for incomeless students?

As an expert in English credit cards, I am happy to help answer the question of what the top credit cards for incomeless students are. While it may seem counterintuitive for students without income to apply for credit cards, there are actually several options available that can help them build credit and earn rewards.

First, it's important to note that credit card companies typically require applicants to have some form of income, whether it be from a job, scholarship, or allowance. However, some companies may allow students to include their parents' income as well, as long as they are listed as an authorized user on the account. With that in mind, here are some top credit card options for incomeless students:

1. Discover it Student Cash Back - This card offers 5% cash back on rotating categories each quarter, such as gas stations, grocery stores, restaurants, and more. It also has a 0% APR introductory period for the first 6 months, and no annual fee.

2. Journey Student Rewards from Capital One - This card offers 1% cash back on all purchases, with an additional 0.25% cash back when you make your payments on time. It also has no annual fee and no foreign transaction fees.

3. Bank of America Travel Rewards for Students - This card offers 1.5 points per dollar spent, which can be redeemed for travel purchases. It also has a 0% APR introductory period for the first 12 billing cycles, and no annual fee.

In addition to these options, many credit unions and local banks may offercredit cards for studentswith low orno incomerequirements. It's important to do your research and compare the benefits and fees of each card before applying.

When applying for a credit card, it's important to remember to use it responsibly in order to build your credit score and avoid debt. Here are some tips for using a credit card as a student:

1. Keep your credit utilization low - Aim to use no more than 30% of your credit limit each month in order to avoid damaging your credit score.

2. Pay your balance in full each month - This will help you avoid interest charges and build a positive payment history.

3. Set up automatic payments - Make sure you never miss a payment by setting up automatic payments from your bank account.

4. Monitor your credit score - Use a free credit monitoring service to keep track of your credit score and make sure it's improving over time.

Overall, while it may be challenging for incomeless students to qualify for credit cards, there are options available that can help them build credit and earn rewards. By using a credit card responsibly and following these tips, students can set themselves up for a strong financial future.