best credit cards - Visa USA Expert

Best Credit CardsWhen thinking about the best credit cards for international students, my experience comes from having two daughters in college and having worked with both of them on keeping their credit score as high as possible. This includes researching the best credit cards for students, who have different money needs than adults.Through my research for the best credit cards for international students, I found CreditCard.org and their independent ratings for credit cards for international students.The best credit cards 2014 are based on these independent ratings. I invite you to research each credit card offer and choose the best one for you and your unique situation.These credit card offers will continually update as issuers change rates, features, rewards, and even approval standards. The following are the best rated credit cards ranked by me and the folks at CreditCards.org… Student Credit CardsA student credit card is designed for those who are 18 years or older and currently enrolled in an academic institution. These cards enable students to establish a positive credit history and often feature rewards and other incentives that appeal to young adults. The following are the best student credit card offers as selected by the CreditCards.org staff:Discover it® for StudentsThe new Discover it card is out to change the way people think about credit cards.Fair…No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won’t increase your APR for paying late.*Generous…5% cash back in categories that change throughout the year like gas, restaurant, movies, and more up to $1,500 in purchases with free and easy sign-up. And 1% cash back on all other purchases.*Plus a Cashback Concierge℠ who guides a free, personalized online tour to help you get the most rewards for how you use your card.Flexible…Choose your own due date and pay up to midnight ET online or by phone.Human…talk to a real person any time with 100% U.S.-based service.Safe…Because you’ll never pay for unauthorized purchases with our $0 Fraud Liability Guarantee.0% intro APR* on purchases for 6 months, then the variable standard purchase APR of 12.99% – 18.99%. *Click apply for Terms & Conditions.Apply NowIntro APR PurchasesIntro APR Balance TransferRegular APRAnnual FeeCredit Needed0%-6 mths*See Terms*12.99%- 18.99 (Variable)*$0*Fair Credit*Journey Student Rewards from Capital One®Designed to help students build good credit with responsible useAccess to your monthly credit score, plus an interactive tracking tool to help monitor your creditCustomizable text and e-mail alerts to help keep you on trackGet 1% cash back on all purchases, plus a 25% bonus each month you pay your bill on timeNo annual fee$0 Fraud Liability if your card is lost or stolenApply NowIntro APR PurchasesIntro APR Balance TransferRegular APRAnnual FeeCredit NeededN/A*N/A*19.80% (Variable)*$0*Average Credit*Citi® Dividend® Card for College StudentsEarn bonus cash back each quarter on new must-have categories– like department stores, travel and more, with enrollmentEarn a full 1% cash back on all other purchasesFree enrollment each quarter for new categories that earn additional cash back.Manage your account online, on your tablet or on your SmartphoneNo Annual FeeApply NowIntro APR PurchasesIntro APR Balance TransferRegular APRAnnual FeeCredit Needed0%-7 mths*N/A*13.99% – 23.99% (Variable)*$0*Good Credit*American Express® ServeFree sign up and no credit checkNo monthly or annual feesGet the prepaid card and mobile appSend and receive money by email and textAmerican Express safety and securityLink a bank account, debit or credit card; add money with MoneyPak® and use at ATMs*Get access to benefits such as Purchase Protection* underwritten by AMEX Assurance Company, Roadside Assistance* and Entertainment Access*Terms, conditions and exclusions apply.Apply NowIntro APR PurchasesIntro APR Balance TransferRegular APRAnnual FeeCredit NeededN/A*N/A*N/A*$0*No Credit Check*Citi Forward® Card for College StudentsNo Cosigner required5 ThankYou® Points for every $1 you spend at restaurants and on entertainment; 1 point per $1 on all other purchases.APR reduction on purchases when using credit wisely100 ThankYou Points each billing period that you pay on time and stay under your credit line.Apply NowIntro APR PurchasesIntro APR Balance TransferRegular APRAnnual FeeCredit Needed0% – 7 Months*N/A*13.99%-23.99% (Variable)*$0*Good Credit*Go USA!– MikeAll information presented here is from my personal research and my attempts to save you time and money when pursuing your dream of coming to the USA to study. Do not take any of this information as LEGAL advice – I am not an attorney, nor do I play one on TV. This information is gathered from a variety of sources including many U.S. Government websites and I urge you to validate this information as much as possible, just as I do when posting on this blog.