I have had this credit card for about 5 years. I applied for it on campus in my second year of college. I have found that the interest rates have remained low, and I have annually received an increase in my credit limit. Even though I am no longer a college student, I plan to maintain this credit card. I highly recommend this card for anyone looking for their first credit card. You will be very please with your choice.

I have had my card for the past few years now. I was able to get this card without having to use a co signer. Which was awesome. The rewards are pretty competitive. My limit increases annually, and I earn plenty of points with a swipe od my card.

I also signed up for this card while I was in college without a co-signor. Now, six years later, I still have and use my card, and my credit limit has increased each year. The interest rates for this card are very competitive, however, the rewards have decreased since I've owned my card. When I first signed up, I received 5% cash back for gas and grocery store purchases. Now, those purchases only generate 2% cash back. All in all, though, I am still very satisfied with the card.

I signed up for this card when I was in school, and now (at 23) I have a nearly $7,000 credit limit. It was a great way for me to start building some credit, and the rewards on this card are great. In fact, I just received a $65 check in the mail a few weeks ago. I used this card for a balance transfer from another card as well, because the balance transfer rates were excellent. I would highly recommend this card to any student or young person needing a way to start some positive credit.

There is no cosigner necessary for this rewards card. You earn extra points in the everyday purchases you make the most. It's also a great way to build solid credit, and the intro aprs are nice to boot!