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Best Deals for a Student Credit Card
It is really great to have good or excellent credit history when you are in your twenties today. Student credit cards will help you to build your credit history when you are still a young person. These plastics are perfect for high school or college students, because you may have no or bad credit history to apply for them. Credit companies give you great credit terms when you are a student.
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Student Credit Cards
Capital One®No Hassle CashSM Rewards for Young Adults
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Student Credit Cards
Capital One®Standard Platinum for Young Adults
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Student Credit Cards
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Student Credit Cards
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Student credit cards are a really great way to start and build your credit history. Indeed, you will receive great conditions like a regular plastic for good credit history can give you. There are a lot of credit companies that provide student credit offers. Usually, they offer you 6 month long introductory period with 0% APR. You can also earn up to 5 percent rebates on all purchases at drug stores, supermarkets, gas stations, and more.
You can find a great number of student credit offers today. Just try to choose the best deal for you. Remember, your financial future will depend on your first credit card experience.
If you have a large credit debt and make just minimum payments, you will be considered as a "credit risk" customer. The more "credit risk" - the more fees you pay on any type of credit whether it is a credit deal or a mortgage loan.
| Bank Name Credit Card Name |
Intro APR PURCH. | Intro Period PURCH. | Intro APR BAL.TR. | Intro Period BAL.TR. | APR % | Annual Fee | Apply Details |
CitibankCiti® mtvU™ Platinum Select® Visa® Card for College Students |
0% | 6 months | 0% | 6 months | 12.99% | $0 |
online see details |
CitibankCiti® Dividend Platinum Select® Card for College Students |
0% | 6 months | 0% | 6 months | 12.99% | $0 |
online see details |
You should avoid carrying your balance if possible. The credit company will sharply increase the amount of money you have to pay and will keep your credit score lower than the average if you do.
Take care of your interest rate. If your interest rate is high your balance will sharply increase each month. You should better start with 0% or low APR.
Don't remove cash from your wallet! You will still need it to make some purchases. Also studies have shown that it will save your money. So, it is better for you to use cash instead of your student Visa while you are shopping at the mall, for example.
You should better choose a plastic with rewards. It is really great that credit companies offer a lot of rewards with student credit cards, such as cash back, hotel points, miles, etc.
You will have a dilemma while choosing between a credit deal, a debit deal, and a prepaid deal if it is your first card. So what is better? Of course you will not have to pay off credit debt when it is a debit or a prepaid card. But you should think about your credit report. You will not increase your credit score while using such cards.
So, what should you know to get the best student credit deal you can?
Low student credit limits is not a limitation. It is necessary for people of that age to study how to spend their own finances. So $1,000 limit is high enough for the beginning. Pay your attention to fees. Some credit companies want you to pay huge fees, so you should better choose a credit card with reasonable fees. Try to find a plastic with lowest interest rates. Almost all credit companies provide you with less then 20% ongoing APR today. Take care of your student credit card grace period. Make sure that your credit card has it.
Today we offer you to apply online for the best student credit cards from Citibank, Chase Bank, Discover, and Capital One.
Platinum for Students by Capital One is one of the best student plastics we have. You will have 0% APR on purchases during the introductory period until July 2008. Capital One gives you great terms for fees - no setup, annual, and balance transfer fees. It is really great conditions for the first credit card. They also offer you manageable credit line that will help you to control your finances. If you will loose your card or it will be stolen the credit company will protect you for free. You will also have an opportunity to check you balance online.
It is really important for this card that you will have 25 days long minimum grace period and your ongoing APR will be just 19.3%. You can also find and apply online for such student credit card on our partner's site.
Fill out student plastic application online right now!
Purch.--Purchases, Bal.Tr.--Balance Transfers, n/a--Not Applicable