American Express does not offer a student credit card specifically. However, students with good credit may be eligible for some of their personal credit cards. Here is a look at some of the pros and cons of getting an American Express credit card as a student, as well as a comparison of some other popular student credit cards.
Pros of getting an American Express credit card as a student
- Amex cards offer strong rewards programs. Many American Express cards offer generous rewards programs, such as points that can be redeemed for travel, merchandise, or statement credits. This can be a great way for students to earn rewards on their everyday spending.
- Amex cards have a good reputation. American Express is a well-respected company with a long history of providing quality products and services. This can give students peace of mind knowing that they are using a reputable card issuer.
- Amex cards offer good customer service. American Express is known for its excellent customer service. This can be important for students who need help with their account or who have questions about their card.
Cons of getting an American Express credit card as a student
- Amex cards have high annual fees. Many American Express cards have annual fees, which can be a burden for students on a budget.
- Amex cards have high interest rates. The interest rates on American Express cards are typically higher than those on other student credit cards. This means that students who carry a balance will pay more interest over time.
- Amex cards are not easy to get approved for. American Express has stricter approval requirements than some other card issuers. This means that students with limited credit history may not be approved for an Amex card.
Comparison of student credit cards
Here is a comparison of some of the most popular student credit cards:
| Card | Annual fee | APR | Rewards |
|---|---|---|---|
| Discover it® Student Cash Back | $0 | 14.49% – 24.49% | 5% cash back on gas stations and restaurants for the first year, then 2% cash back on gas stations and restaurants and 1% cash back on all other purchases |
| Chase Freedom Unlimited® | $0 | 15.74% – 24.49% | 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% cash back on dining and drugstores, and 1% cash back on all other purchases |
| Capital One SavorOne Student Cash Rewards Credit Card | $0 | 16.49% – 26.49% | 3% cash back on dining, entertainment, and streaming services, and 1% cash back on all other purchases |
| American Express® Blue Cash Everyday Card | $0 | 13.24% – 24.24% | 3% cash back at U.S. supermarkets, 2% cash back at U.S. gas stations, and 1% cash back on all other purchases |
The best student credit card for you will depend on your individual needs and spending habits. If you are looking for a card with no annual fee and good rewards, the Discover it® Student Cash Back or the Chase Freedom Unlimited® are good options. If you are looking for a card with a higher rewards rate on dining and entertainment, the Capital One SavorOne Student Cash Rewards Credit Card is a good choice. And if you are looking for a card with good rewards on gas stations and supermarkets, the American Express® Blue Cash Everyday Card is a good option.
No matter which card you choose, be sure to use it responsibly and pay your bill in full each month to avoid interest charges and build your credit history.
Criteria for college students to get American express credit card
American Express does not offer a student credit card specifically, but students with good credit may be eligible for some of their personal credit cards. The minimum criteria for college students to get an American Airlines credit card are:
- Must be a U.S. citizen or permanent resident.
- Must be at least 18 years old.
- Must have a good credit history.
- Must have a full-time student status.
- Must have a valid Social Security number.
The credit score requirement for an American Airlines credit card is typically 700 or higher. However, students with a lower credit score may still be approved if they have other factors in their favor, such as a good income or a long credit history.
If you are a college student and are interested in getting an American Airlines credit card, it is a good idea to start by checking your credit score. You can get your free credit report once per year from AnnualCreditReport.com. Once you know your credit score, you can compare it to the minimum requirements for the card you want to apply for.
You can also improve your chances of getting approved for an American Airlines credit card by building your credit history. This can be done by using a credit card responsibly and paying your bill in full each month. You can also get a secured credit card, which is a type of credit card that requires you to make a deposit that acts as your credit limit. Using a secured credit card responsibly can help you build your credit history and qualify for an unsecured credit card in the future.
If you are approved for an American Airlines credit card, it can be a great way to earn rewards for your travel expenses. Be sure to use your card responsibly and pay your bill in full each month to avoid interest charges and build your credit history.
List Of American Express credit cards For College Students?
Here are some American Express credit cards that are good for college students, along with their pros and cons:
American Express® Blue Cash Everyday Card:
This card offers 3% cash back at U.S. supermarkets, 2% cash back at U.S. gas stations, and 1% cash back on all other purchases. It has no annual fee and a variable APR of 13.24% – 24.24%. The pros of this card are that it has no annual fee, it offers good rewards on everyday spending, and it has a low APR. The cons of this card are that the rewards rate on dining and entertainment is not as high as some other cards, and it does not offer any travel rewards.
American Express® Everyday Cash Card:
This card offers 2% cash back on all purchases. It has no annual fee and a variable APR of 13.74% – 24.74%. The pros of this card are that it has no annual fee, it offers good rewards on all purchases, and it has a low APR.
The cons of this card are that the rewards rate is not as high as some other cards, and it does not offer any travel rewards.
American Express® Gold Card:
This card offers 4 Membership Rewards points per $1 spent at restaurants, plus takeout and delivery in the U.S., and earn 4 Membership Rewards points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
It also offers 3 Membership Rewards points per $1 spent on flights booked directly with airlines or on amextravel.com, and 1 Membership Rewards point per $1 spent on all other qualifying purchases. It has a $250 annual fee and a variable APR of 16.74% – 26.74%.
The pros of this card are that it offers great rewards on dining and travel, it has a welcome bonus offer of 60,000 Membership Rewards points after you spend $4,000 on eligible purchases within the first 6 months of Card Membership, and it has a variety of other benefits, such as airport lounge access and purchase protection.
The cons of this card are that it has a high annual fee, the rewards rate on non-bonus categories is not as high as some other cards, and it may not be easy to get approved for with limited credit history.
American Express® Green Card:
This card offers 3 points per $1 spent on travel and dining, and 1 point per $1 spent on all other qualifying purchases. It has a $95 annual fee and a variable APR of 16.74% – 26.74%.
The pros of this card are that it offers good rewards on travel and dining, it has a welcome bonus offer of 40,000 Membership Rewards points after you spend $2,000 on eligible purchases within the first 6 months of Card Membership, and it has a variety of other benefits, such as airport lounge access and purchase protection.
The cons of this card are that it has a high annual fee, the rewards rate on non-bonus categories is not as high as some other cards, and it may not be easy to get approved for with limited credit history.
It is important to note that these are just a few of the many American Express credit cards that are available. The best card for you will depend on your individual needs and spending habits. Be sure to compare different cards before you choose one.