First College Credit Card ｜大学生第一张信用卡

First Credit Card for College Students | 大学生的第一张信用卡

孩子18岁以后，我强烈建议不要再加在父母的副卡了，因为小孩成年了，要开始独立地建立自己信用的记录了。绝对建议申请Discover 给大学生的那张卡，0年费， 不看收入门槛，即时通过率基本是100%，以后GPA3.0以上给Discover上个成绩单，他们还会给20-30刀鼓励（其他Discover卡没有）。

当孩子大学第2年出来租房子的时候， 房东还要查信用记录，很多没有信用记录的大学生还得要父母co-sign，房东因此还要查父母的财务状况，那就不方便了。

拿到这张信用卡后，要教育孩子设auto Pay并且连上他们的银行账号，并解释为啥只能在自己银行存款的范围内花钱，这也是个很好的教育过程。可以用下面大学生的Discover referral （永不过期），他们每个小孩各得$100。要是有极个别的孩子没有直接通过, 他们会收到Discover的一个email，要求给他们确认没有fraud就通过了, 所以基本都是100%通过的：

https://refer.discover.com/linhong26!c4c937c823!a

English Version

The Best First Credit Card for College Students

Once your child turns 18, I strongly recommend moving them off your authorized user "parental" card. Now that they are adults, it is time for them to start building their own independent credit history.

I highly recommend the Discover it® Student Cash Back Card. Here is why it’s a game-changer:

• High Approval Rate: They are very student-friendly and don't require a high income or a massive credit history to start. It’s nearly a 100% approval rate for students.
  
  

• No Annual Fee: It’s free to keep forever, which is great for their average age of credit.
  
  

• Good Grades Reward: If your child maintains a GPA of 3.0 or higher, they can submit their transcript to Discover for a $20–$30 "Good Grades" credit—a perk unique to this student card.
  

Why Credit History Matters Early: When your child moves out to rent an apartment during their sophomore or junior year, most landlords will run a credit check. Students with no credit history often need a parent to co-sign, which requires you to disclose your own financial situation and puts you on the hook for the lease. Building their own credit now avoids that hassle later.

A Financial Teaching Moment: Getting this card is a great opportunity to teach financial literacy. Show them how to:

1.Set up Auto-Pay: Connect it to their bank account so they never miss a deadline.

2.Spend within their means: Explain that they should only spend what they already have in their savings.

Exclusive $100 Sign-Up Bonus: You can use this referral link below to get started. By using this link, the student will receive a $100 statement credit instantly after it’s approved online. In rare cases where an application isn't approved instantly, Discover usually sends an email just to verify their identity to prevent fraud. Once verified, they are typically good to go!

Sign up here: Discover Student Referral Link