在美国信用积累很重要。信用卡不仅是我们作为国际学生积累信用的工具，也是为我们省钱以及理财好帮手。
下面的几种信用卡各有特色，但无疑是在美国的数千种信用卡里比较突出的了，毕竟是CNN选的。信用卡申请的条件大都相似，但是好的信用记录是基础。如果你有600 up的信用积分，并且有一些稳定的收入：比如打工、TA、RA等等，申请成功的把握更大。
信用积分可以再freecreditreport.com免费查询。当然，刚拿到SSN的同学还是去试试专门为学生准备的信用卡吧，等到信用积分比较高了再申请其他的信用卡。提醒：反复申请一张卡会造成信用积分的降低；同样，信用卡过多也会成为申请新卡的不利因素。
Simmons First Visa Platinum
Courtesy: Simmons First
Why we like it: Very low rate （低利息，适合偶尔 透支消费的人）
If you're looking for a low rate, you can't get much better than 7.25%, but you must have excellent credit to be approved. Bonus: There are no balance transfer fees, though transferred balances don't get a teaser rate -- they go right to 7.25%.
Interest rate: 7.25% variable
Grace period: 25 days
(www.simmonsfirst.com , 800-272-2102)
Schwab Invest First Visa
Courtesy: Schwab.com
Why we like it: Great cash-back rewards, no foreign transaction fees （这个卡很好，任何消费都可以得到2%的返利，而且在美国以外的国家消费也不收手续费。一般的信用卡都要收3%境外消费手续费）
You earn 2% unlimited cash back on every single purchase you make. You must have a Schwab One brokerage account, but there are no fees to open or maintain the account. Bonus: If you're traveling abroad, this is the card to take with you -- it charges no foreign exchange transaction fees.
Interest rate: 13.24% variable
Grace period: At least 25 days from the statement closing date
(www.schwab.com , 866-724-9223)
Citi Forward
Courtesy: Citigroup
Why we like it: Shrinking APR （这个卡，只要按时还款，利率会慢慢下降，适合常 年透支消费的人群）
Citi Forward just might be the model for all credit cards in the future: Stay under your credit line and pay at least your minimum amount due on time three billing periods in a row, and your purchase APR will be reduced by 0.25%. It can be reduced a maximum of eight times for a total reduction of 2% during the lifetime of your account.
Interest rate: 12.24% variable
Grace period: At least 20 days if you pay the total balance in full by the due date every billing period. If you do not, you will not get a grace period.
(www.citiforward.com , 800-456-4277)
Pentagon Federal Visa Platinum
Courtesy: PenFed.org
Why we like it: Cash back for gas guzzlers （看好哦！直属联邦五角大楼的信用机构。买汽油返利5%，超市消费返利2%，其他所有返利1.25%，而且现在还有限时活动 ：2009年7月31日前用这个卡买飞机票返利5%！很好的卡。就是申请程序稍显繁琐，需先加入联邦的Credit Union，读下文可知。）
The rewards on this credit union card are hard to beat, especially if you're a road warrior.
Interest rate: 13.99%
Grace period: 25 days on average
(www.penfed.org , 800-247-5626)
Clear from American Express
Courtesy: AmericanExpress.com
Why we like it: Free from fees （没有任何费用。懒人专用，适合经常忘记还款，透支消费的人。同时可以得到1%的返利。不过要先问清楚你经常消费的地方是否接受American Express。）
If you're looking for simplicity, go with this card. It charges no fees of any kind -- late, over-limit, balance transfer, or cash advance fees. You earn an unlimited 1% back on every purchase; you automatically receive a $25 American Express shopping card for every $2,500 you spend.
Interest rate: Starts at prime + 8.99%
Grace period: 28-31 days if the previous balance shown on each billing statement is paid in full by each respective due date.
(www.americanexpress.com , 800-223-2670)
Blue Cash from American Express
Courtesy: AmericanExpress.com
Why we like it: A lot of cash back （大宗消费者必备的卡。优惠幅度惊人：以一年为单位，每年消费在汽油、超市和药房的头$6500返利1%，其他消费返利0.5%； $6500之后的 汽油、超市和药房的消费返利5%，其他返利1.5%。个人认为这个卡适合拥有大家庭的人，或者烧钱能力较强的成功人士的留学子女。顺便说一下，American Express的卡比较漂亮。）
Big spender who pays down your balance each month? This is the card for you. After you spend $6,500 in a year, you earn 5% back on all purchases at supermarkets, drugstores and gas stations and 1.5% back on everything else. (Before you reach $6,500, you earn 1% and 0.5%, respectively.)
Interest rate: Starts at prime + 7.99%
Grace period: Up to 20 days, if the previous balance shown on each billing statement is paid in full by each respective due date.
(www.americanexpress.com , 800-223-2670)
免责声明
申请信用卡时请仔细阅读银行的各项条款，银行条款中与上文不符的，请遵循银行条款。本文意在为在美国生活的人提供实惠的生活信息，因此文产生的各种纠纷本人不承担任何法律责任。
金融危机下的美国出现信贷紧缩的现象，多少会影响到信用卡申请的成功率。这时需要大家拿出签证时的勇气和信念。最后祝大家申卡成功！
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