CREDIT PROFILE
* Current credit cards you are the primary account holder of:
* Capital One Savor, $3,000 limit, 7/2025
* FICO scores with source: Experian 771
* Oldest credit card account age: 8 months
* Cards approved in the past 6 months: 0
* Cards approved in the past 12 months: 1
* Cards approved in the past 24 months: 1
* Annual income $: ~15,000
CATEGORIES
* Ok with category-specific cards?: Yes
* Ok with rotating category cards?: Eh
* Estimate average monthly spend in the categories below.
* Dining $: ~300
* Groceries $: ~20
* Gas $: ~40
* Travel $: ~35
* Using abroad?: No
* Other categories or stores: Subscriptions / digital services, occasional retail/apparel, occasional parking
* Other spend: No
* Pay rent by card? No
MEMBERSHIPS & SUBSCRIPTIONS
* Amazon Prime member: Yes
* Big bank customer: Capital One
PURPOSE
* Purpose of next card: Cashback and continuing to build credit
* Cards being considered:
*Robinhood Gold Card
*Fidelity Rewards Visa
*Chase Freedom Unlimited
ADDITIONAL INFO
20-year-old full-time college student. I work two jobs part-time during the school year and full-time in the summer. I pay my statement balance in full every month and never carry interest.
My income is lower because I’m a student, but I have very low fixed expenses right now — I do not currently pay for my tuition, housing, or most travel. Most of my actual spend is dining and everyday discretionary spending.
I currently bank with Capital One, use Robinhood for my taxable brokerage, and Fidelity for my retirement account. I invest a large amount of my income, so I’m open to either straightforward cashback or a setup that rewards into an investment account.
Main goal is to get the smartest long-term second card, continue building credit, and get solid value from my actual spending. I’m open to either applying now or waiting a few more months if that would put me in a better position. I’d also be open to either cashback or points if one path clearly makes more sense.
Best second credit card for college student?
byu/bryceharperfan inCreditCards
Posted by bryceharperfan
2 Comments
one of these
*Fidelity Rewards Visa
*Chase Freedom Unlimited
The best pairing for the savor is probably a 2% catch all. The fidelity visa and WF Active cash are good options
Since you’ve only had cards for less than a year, your profile might be to thin to get any non-student cards. In that case wait a few months as most student cards outside the savor don’t have many huge benefits imo.