2. The Best Student Credit Cards for 2021. Forbes Advisor lists the best student credit card for every type of student and budget. Now, if you like to hold a balance, that's a whole different set of cards, most of which are Citi + Chase Slate. card classic compact. They have other categories you can choose for the 3% but I have other cards for those. Welcome to /r/MedicalSchool: An international community for medical students. "But there is a $450 yearly fee" - you get $300 back with any travel (uber counts as travel, any flights or hotels) + Pre-Check. I have a good credit score at the moment ~760. Apr 13, 2009 4,533 10 Urbs in Horto Status Medical Student Jul 1, 2011 #20 Seven of … 1. Refinance My Loan Get a New Loan Auto Insurance. Ironically, my favorite website to keep up to date with things of this nature is http://www.doctorofcredit.com/, Back when Amazon payments was a thing, you could "pay yourself" and pay off the card with the same money. 29. I did some googling and most sources say that you can't list student loans as income on a credit card application, as it would be using a debt to pay for a debt. I did get some sweet rewards points for it though. You need to be in Chase's system to get approved for Sapphire, especially with a minimal credit history. Citi Double Cash is a good option for you. Next, depending on your grocery spending, I would recommend AmEx Blue Cash or Blue Cash Preferred. A loan at 7% doubles every 10 years, at 10% every 7 years, at 18% every 4 years, and at 24% every 3 years. One is like 1.5% back and then the 5% rotating cash back. WEEKLY. Otherwise, reserve and preferred both offer annual fees (especially reserve at $450) that people should be aware of, though their benefits absolutely outweigh the costs for most people that actively use the cards. They are used to pay for out-of-pocket, elective health care expenses (including veterinary services) that are not covered by insurance — serving as an alternative to more traditional payment plans. Some student credit cards require you to apply for the card in person. Citi Double Cash Card. I’m an incoming M1 at an US MD school. Press J to jump to the feed. Rate is subject to change. https://www.bankbazaar.com/credit-card/student-credit-card-in-india.html Tangerine Money-Back Credit Card share. Reply. What ever you decide to go with in this thread, make sure to check if they have referral programs as well. I agree a best credit card for utilities section is needed. For example, students can get an unsecured card with rewards, no annual fee, and low fees overall—such a product doesn’t really exist for non-students with no credit history. So, not sure what's the story with that card. 2 comments . Loans. You have to do the math to see which one you come out on top with (3% vs 6% + annual fee), but either is worthwhile. Last, there's quite a few in this world, but any 2% cashback all-inclusive credit card will suffice. card. In general, any credit card that gives you at least 1% cash back (standard for most cards nowadays anyway) plus up to 5% or more on various rotating categories is a good deal. I don't think there's any credit card that gives med students special treatments, nor are med students special in the spending world in any way. As long as you keep up with the categories. Right now, they have 5% back on Gas Stations (many of which sell Amazon gift cards if you don't have a car) and Uber/Lyft/other transport, and later on have 5% back on things like restaurants or grocery stores. I'd look at other cards that have no annual fee and can be kept open for a long time to help with your account age, so Chase Freedom (which has had signup bonuses of around $200 in the past) with its rotating 5% cash back categories (1% the rest of the time) or a Discover card (similar). Fidelity has a 2% card with no fee as well, and they're in the midst of switching their bank to US Bank, so it'll be interesting to see if it's possible to get better than 2% back in the future. While many advertise an “interest-free” period upfront, note that if you can’t pay the entire balance before the 0% APR promotional period ends, you’ll pay high interest accrued from the day you made the purchase. 1. pinned by moderators. Especially given interview season in 4th year, those points will probs be used. The card is marketed to students who have good credit, which typically means a FICO credit score of 690 or higher. I ended up going with the CITI bank double cash! I'm not saying this to humble you, but just to provide perspective that any card that is good for the general public will be good for you. A lot of people sing the praises of credit unions, but yowsers this institution was a nightmare. 2.7k. I have a plain credit card through my bank, but it’s only 1% back. 6 8 6 686. comments. The Discover it® Student Cash Back card is an ideal card for students who want to build credit and take advantage of rewards along the way. Press question mark to learn the rest of the keyboard shortcuts. Student credit cards are the best tool you can use to establish your credit history, which, in turn, will help prepare you for a number of responsibilities you’ll have later in life, such as renting an apartment, financing a vehicle and eventually buying a home. Thank you for all the replies! A great card for medical students is the Sallie Mae Mastercard - you get 5% cash back on groceries, gas, and books. 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