Student (in credit) Should I trying getting Smile Classic for Cashback?

tjpeople

Hi,

I'm a student and want to earn cash back on a credit card (my first credit card) (also i need a credit card cause places wont except my Maestro) did the smart search on moneysupermarket.com and I got the 'Fair' rating and it recommend Amex Platinum.

Which according to this site is the best cashback card.

Should I apply? What negative effect will it have on me if I fail to get it?

Thanks for the help.

realaledrinker

Minimum £20,000 income ....

tjpeople

thanks for the reply.

strange that moneysupermarket reccomened it.

Any idea of a card that ill get?

Kavanne

Most cards have a minimum income... Though when I was 18 I applied for a Nationwide classic and I don't bank with them, they didn't ask for proof of income (I only got a £700 limit though).

Lavendyr

tjpeople wrote: »

I'm a student and want to earn cash back on a credit card (my first credit card)

Good luck, normally you have to have a minimum income and a decent credit history to get a cashback card and you have neither.

tjpeople wrote: »

(also i need a credit card cause places wont except my Maestro)

The best thing you can do is to go to your bank and apply for their credit card, they are the most likely people to give you one, if you want to start building up your credit history. But PAY IT OFF IN FULL EACH MONTH - don't get into a debt spiral!

Kavanne

Oh and OP, if you have a student account your bank may offer you a special student credit card too. Probably no cashback but will be mastercard or visa so more widely accepted.

reehsetin

try for an egg money card, theres lots about it around the forum, it gives 1% cashback

tjpeople

Thanks for all the responses.

Yea i can porbs get one from my bank, but the cashback would have been nice, The Egg Mney card also had a minimum income if I recall.

reehsetin

tjpeople wrote: »

Thanks for all the responses.

Yea i can porbs get one from my bank, but the cashback would have been nice, The Egg Mney card also had a minimum income if I recall.

must be fairly low, i'm a student working part time

tjpeople

https://your.egg.com/ssl/Apply/EggMoney/AlreadyWithEgg.aspx

I guess the main issue is not having a job at all. But they don't seem to state a Min income.

jtwn

If you are concerned about places not accepting Maestro, then going to Amex certainly isn't going to help.