Your best move is to take Wells Fargo Autograph only if prequalified; otherwise choose one no-score student card now or wait until your six-month credit milestone before pursuing a premium travel bonus.

In order to receive a valid FICO Score, the credit report must have: At least one account opened for six months or more, and At least one account that has been reported to the credit bureau within the past six months, and No indication of deceased on the credit report (Please note, if you share an account with another person this may affect you if the other account holder is reported deceased). The minimum scoring criteria may be satisfied by a single account or by multiple accounts on a credit file. In certain rare cases, whether a given credit report qualifies for a FICO Score may vary across different FICO Score versions.

§ 1026.51(a)(1)(i)

A card issuer must not open a credit card account for a consumer under an open-end (not home-secured) consumer credit plan, or increase any credit limit applicable to such account, unless the card issuer considers the consumer's ability to make the required minimum periodic payments under the terms of the account based on the consumer's income or assets and the consumer's current obligations.

§ 1026.51(b)(1)

A card issuer may not open a credit card account under an open-end (not home-secured) consumer credit plan for a consumer less than 21 years old, unless the consumer has submitted a written application and the card issuer has: (i) Financial information indicating the consumer has an independent ability to make the required minimum periodic payments on the proposed extension of credit in connection with the account; or (ii) (A) A signed agreement of a cosigner, guarantor, or joint applicant who is at least 21 years old to be either secondarily liable for any debt on the account incurred by the consumer before the consumer has attained the age of 21 or jointly liable with the consumer for any debt on the account; and (B) Financial information indicating such cosigner, guarantor, or joint applicant has the ability to make the required minimum periodic payments on such debts, consistent with paragraph (a) of this section.

Earn unlimited 3% cash back at grocery stores and on dining. $0 annual fee. Plus, earn a $50 cash bonus. Checking your eligibility lets you see offers in as little as 90 seconds with no credit score impact. Earn a one-time $50 cash bonus once you spend $100 on purchases within 3 months from account opening. You won’t pay a transaction fee when making purchases outside of the United States.

A student credit card is a credit card designed for college, graduate or nontraditional students with minimal or no credit history. And you may be eligible for a student credit card even if you don’t have a credit history yet. Earn unlimited 5% cash back when you book hotels, vacation rentals, rental cars and activities for things like spring break getaways or cross-country trips with your roommates.

No credit score required to apply: We may use credit scores if available. Earn a $100 Bonus as a statement credit when you spend $300 in the first 3 months. No annual fee. Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.

Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value. The Autograph Credit Card has no annual fee. The Autograph Credit Card has no foreign transaction fee. Three rewards points (1 base point plus 2 bonus points) are earned per $1 spent on net purchases (purchases minus returns/credits) at retailers whose merchant category code for Visa is classified as: Travel: airline, hotel/motel, timeshare, or vehicle/auto rental, cruise lines, travel agencies, discount travel sites, campgrounds. This offer is not a guarantee of credit. Credit card is subject to credit qualification.

Earn 75,000 points after you spend $5,000 in purchases in the first 3 months from account opening. $95 annual fee. 5x points on Chase Travel. 2x points on all other travel. Earn up to $100 in statement credits each account anniversary year for hotel stays purchased through Chase Travel. You will pay no foreign transaction fees when you use your card for purchases made outside the United States.

Excellent Credit. Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening. ANNUAL FEE $95. Get unlimited 2X miles per dollar on every purchase, every day. Earn 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel. No foreign transaction fees and no blackout dates.

These are often inquiries by lenders after you apply for credit to help them decide whether they will approve your loan or credit. These inquiries will impact your credit score because most credit scoring models look at how recently and how frequently you apply for credit. These are reviews of your credit file, including reviews of existing accounts by lenders or insurance companies, prescreening inquiries by prospective lenders, employment screening of your credit reports, and your requests for your credit reports. These will not affect your credit scores.

Paying your bills on time, every time has the greatest impact on your score. One way to make sure your payments are on time is to set up automatic payments, or set up electronic reminders. Don’t get close to your credit limit. Credit scoring models look at how close you are to being “maxed out,” so try to keep your balances low in proportion to your overall credit limit. Experts advise keeping your use of credit at no more than 30 percent of your total credit limit. A long credit history helps your score. Credit scores are based on experience over time. Only apply for credit you need.