<prompt> Human: As the title implies, Im a college student. I have no loans - car, rent, student. I have no job right now as well, but Im hoping to get one this summer. I was denied by Target for their cc and then by BoA for a student cc. They said I didnt have enough rotating credit duh. I was thinking of getting BoA secured cc but it has an annual fee. Does anyone know of a cc that has no annual fee for someone building their credit?  <response>: nerdwalletThey have a great list of student cards. As Im sure youll hear often, always pay in full, etc. The rewards are really variable, and it all depends on your preference, but Visa and MasterCard are accepted all over the place, so youll probably want to go with one of them. 