Getting your first credit card as a college student can feel a bit like stepping into the world of adulting—exciting but slightly intimidating. Don’t worry, though; with the right card in hand, you can build your credit score while enjoying some cool benefits. Since you bank with PNC, let’s explore options that will help you shine like a star student without the burden of annual fees.

First on the list is the PNC Cash Rewards Visa Credit Card. This card is a fantastic choice for first-timers. With no annual fee, it’s as friendly as a puppy in a room full of kittens. You’ll earn cash back on your purchases, which is like getting a little bonus for being responsible with your spending. Plus, it offers a decent rewards rate on your everyday purchases like groceries and gas. Think of it as a way to earn points while you’re out there living your best college life—who wouldn’t want that?

Another solid contender is the Discover it Student Cash Back card. This one is a fan favorite among students for a reason. Not only does it have no annual fee, but it also has a unique cashback program that matches all the cash back you earn in your first year. It’s like a magical power-up in a video game, boosting your rewards just when you need it most. Plus, it encourages responsible use by offering a good grade reward. That’s right—if you maintain a GPA of 3.0 or higher, you can earn a cash bonus. It’s a win-win situation.

If you’re looking for something with a bit more flexibility, the Capital One Journey Student Rewards card could be your go-to. It also comes with no annual fee and offers rewards for making on-time payments. Think of it as a friendly nudge to keep your credit in good standing while also earning you rewards for your diligence. Plus, it gives you the opportunity to build a strong credit history, which will serve you well in the future when you’re ready to venture into the world of adult responsibilities like renting an apartment or buying a car.

When choosing a credit card, always remember to read the fine print and consider your spending habits. While cash back and rewards are enticing, the real prize is building your credit score wisely. Use your card for everyday expenses, pay your balance in full each month, and watch your credit score rise like a hero in a blockbuster movie.

In the end, the best credit card for you is one that aligns with your lifestyle while helping you build credit safely. With options like the PNC Cash Rewards Visa, Discover it Student Cash Back, and Capital One Journey Student Rewards, you’re well on your way to becoming a savvy credit user. Just remember: treat your credit card like the precious tool it is, and you’ll be setting yourself up for financial success long after your college days are over.