The Capital One Platinum Credit Card is ideal for those with average credit, offering no annual fee and the potential for a higher credit line in six months. The Discover it® Student Cash Back card offers 5% back on rotating categories and matches cash back in the first year. The Discover it® Secured Credit Card provides cash-back rewards and a path to an unsecured card. The Petal® 2 Visa® offers up to 1.5% cash back with no fees.