SOURCE: MyRatePlan


August 07, 2014 16:30 ET

The Best Credit Cards for Back to School Shopping, Announced by

SEATTLE, WA--(Marketwired - Aug 7, 2014) - The new school season is just around the corner. Therefore, back to school shopping is inevitable. has released an announcement in which it named the best credit cards for back to school shopping. The experts at used a complex scoring system that included factors such as expert opinions, consumer reviews, features, promotions, rewards and more. According to the experts' professional opinion, the top three credit cards are as follows:

Discover it for Students

The Discover it for Students card is the perfect credit card for student needs. The card offers a wealth of benefits that allow a student to get ahead in his or her finances. The Discover it card has a six-month introductory offer where students pay 0% APR on purchases. That can give them the time they need to buy clothing and school supplies for the upcoming year.

Cardholders also earn cash back on certain purchases. The card offers 5% cash back on up to $1500 spent in rotating categories (currently on purchases at gas stations) and 1% cash back on all other purchases. Cardholders also enjoy having no annual fees, no foreign transaction fees, no over-the-limit fees, and no late fees on the first payment discrepancy. Furthermore, the company will not penalize cardholders with APR increases for paying late. The Discover it for Students card also has a free FICO credit score on all monthly statements.

Barclaycard Ring MasterCard

The Barclaycard Ring MasterCard is an amazing option because of its wealth of benefits and its extremely low interest rate. The card is unique in that it offers its holders an 8 percent annual percentage rate for balance transfers and regular usage. This card has no balance transfer fees, as well as no annual fees.

The Barclaycard Ring MasterCard carries no annual fees, and it provides the consumers with a free monthly FICO score for credit monitoring purposes. Additionally, Barclaycard has an exclusive online community in which cardholders can discuss card features and vote on them. The Barclay Ring MasterCard gives back to its cardholders, as well. The company offers a Giveback Program in which it gives its cardholders money back for excellent performance. Therefore, healthy card usage and timely payments can bring rewards for customers who want to do the right by their cards. The Barclay Ring MasterCard is an excellent option for parents who want to splurge on back-to-school shopping.

Discover it chrome for Students

Discover has made it to the top of the list again with its Discover it Chrome card for students. The Discover it chrome card is an alluring chrome-colored card that is jam-packed with a wealth of benefits. Along with offering a 0 percent introductory APR on purchases for 6 months, this card rewards cardholders with 2% cash back on up to $1000 in purchases at restaurants and gas stations every quarter. Plus, there is 1% cash back on all other purchases. The card also has no annual fees, no late payment fees, and leniency for late payments. Additionally, the card offers the holder a free FICO score each month and U.S. based customer service.

An additional feature that the Chrome card has is text-messaging alerts. A cardholder who wants to stay on top of payments can take advantage of this convenient feature. He or she will receive notification via text message several days before the payment is due. The Chrome card also has a mobile application that a person can use to access his or her account.

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