American Express (Amex)

This blog is only for the informational purpose. It contains writer's personal experience and knowledge about credit cards. Reader's are requested to follow their own judgements while deciding which card to apply.

If you are looking for a credit card with high cash back returns, then, I would definitely suggest Amex. American Express has a variety of options when it comes to Credit Cards. Since this blog focuses mostly on college students, I will be discussing only about ($0 annual fee) American Express Credit Cards. There are different Amex cards which do not have annual fee. I have tried listing some of the popular ones.

• Amex EveryDay® Credit Card
• Blue Cash Everyday^® Card from American Express
• Delta SkyMiles® 
• American Express Cash Magnet® Card
• Blue from American Express®

Benefits of Amex EveryDay® Credit Card (Amex) :

• No annual Fee.

• The cash back is bit different that other cards. Amex has point system. You will be earning points when you spend for different items. 100 points worth $1. It might sound small but imagine you earning 10,000 points on bigger purchases, it will be worth $100. Pretty good right?

• Low rates on hotels and flight booking.

• Excellent mobile app quality. Everything is very easy to use and understand.

• Free FICO ( Fair Isaac Corporation ) Score check.

I have been using Amex EveryDay® Credit Card for two years now. Honestly, I enjoy their points system cash back. Also they offer 2X cash back on US supermarket expenses. This option is really beneficial if you are not getting 5% cash back from the Discover Credit Card on certain purchases. 

All the Links I have used above in this article is my referral link. This means if you click those links to apply for the credit card, I might be getting some bonus from American Express. If you do not wish to apply through my referral link, you can use direct link to American Express home page www.americanexpress.com. From this link, I won'tl be getting any bonus. I would really appreciate if you use my referral link.

Discover Student Card

This blog is only for the informational purpose. It contains writer's personal experience and knowledge about credit cards. Reader's are requested to follow their own judgements while deciding which card to apply.

I have not only been using Discover Student Card but also been taking its full advantage.  In this article, I will be sharing some of my experience on using Discover Student Card and it's benefits. I have also been doing many research on its website to make this article informative and useful. Starting your credit card journey with the Discover Student Card is a really good option. 

Benefits of Discover Student Card -

• No Annual Fee, literally no fee. It means you can keep your credit card for free.

• Get $20 cash every year for 5 years just for getting a good GPA in College. 

• Cash back bonuses. Every dollar you spent, you will earn cash backs. 5% cash back on selected items and 1% on every item. 

• Excellent mobile app quality. Everything is very easy to use and understand.

• Free FICO ( Fair Isaac Corporation ) Score check.

• For new account, you will get 0% APR for few months(decided by the company).

• It also gives various student loans on low interest rate. 

• Impressive customer service. You can call 24/7 if you have any problem.

Different types of Discover Credit cards - 

• Cash Back Credit Cards: Discover it® Cash Back, Gas & Restaurant Card, NHL® Discover it®

• Travel Credit Card: Discover it® Miles

• Student Credit Cards: Discover it Student® Cash Back, Student Chrome Card

• Secured Credit Card: Discover it® Secured

• Business Credit Card: Discover it® Business Card

I have been using Discover Student Card for couple of years now and I personally think this card is one of the best credit card among all.

Also, you should not prefer to apply for new credit card if you have recently applied for one unless you really need it. This way you will not let your credit score go down.

If you already have a Discover Card, its time to think little further now. You can check my other post to apply for American Express Card or Capital One Card.

All the Links I have used above in this article is my referral link. This means if you click those links to apply for the credit card, you and me, both of us will be getting some bonus from Discover. If you do not wish to apply through my referral link, you can use direct link to discover home page www.discover.com . From this link, neither you nor me will be getting any bonuses. I would really appreciate if you use my referral link.