Best Student Credit Cards
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The Best Credit Cards For College Students
Many college students find credit cards necessary and helpful. College students usually get their first credit cards at this time. Credit cards allow them to gain easy access cash for the typical student needs like textbooks, food and snacks, and collegiate clothing. Many credit card companies give special student credit cards for college students, and others will even give you a discount on credit card interest or credit card monthly fees. Obtaining the best credit card for college students should be thought about wisely and at the same time should be well researched.
• By researching on different credit card companies, you will obtain information about the ones that actually give special credit card offers to college students. Find out if the credit card rates seem to be payable, and if it is enough for the needs that you will be using it on.
• It is better and more exciting to choose a credit card that offers you bonuses that are actually relevant to your credit card spending. A lot of student credit cards offer cash backs on groceries and textbooks, as well as travel perks like credit card miles.
Best Student Credit Cards
• Make sure not to fall for offers that appear too good to be true. There are student credit cards for college students that will advertise a zero interest credit cards. These credit card companies will try to get you to sign up for a zero interest credit card, which may actually contain hidden costs in reality. Some will also try to take advantage of the fact that you may have little knowledge on how you are supposed to manage your credit as a college student. This is why it is important that you do your research, and be extra careful especially when it is your first credit card.
• As early as being a student, it is important to meet your credit card payments on time. You should remember that you are not supposed to spend more than what you have, and that it may be difficult to get out of credit card debt especially that you are still in college.
What are the best and most suggested credit cards for college students?
Best Student Credit Cards
Citi Forward Card for College Students offers no annual fee, and will allow you to gain rewards for using credit correctly. To be able to qualify for a cutback in purchase annual percentage rate, you need to use the credit card regularly, but staying under your credit limit, and constantly paying your monthly dues on time.
Discover Student Cards offers a good deal of zero interest on purchases for 6 months, no annual fee, and a [POSTCONTENT] fraud liability guarantee to college students with small amount to no credit history. Cardholders also acquire a 5% cash back bonus on purchases in categories that alters four times a year such as travel, home, gas, groceries, and restaurants.
Citi mtvU Platinum Select Visa Card for College Students gives exciting perks to students. If you get good grades every semester, the Citi mtvU rewards you with Thank You Points. The higher your grade is, the more points you will likely to earn.
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What are the best choices of student credit cards?
I’m just wondering what are the best student credit cards in Canada ? ones that have under like 12% interest rates and no application fee
What is the best student credit card?
What is the best credit card for a student trying to build good credit? Or does anyone know of a website that lists the best ones?
Most IRRESPONSIBLE students end up over their head in debt.
Smart students, like myself, try to build up good credit.
I plan on buying my gas with a credit card and then paying it off as soon as I get home. That way I’m building good credit. Don’t judge people. Not everyone fits a stereotype.
Which is the best credit card for a college student?
I am planning on getting a student credit card before i go to school in the fall and I cannon decide which would be the best for me. I have it narrowed down to 3 cards…
1. Citi mtvU Platinum Visa for College students
2. Citi Forward Student Card
3. Discover Student Card
Please help me decide
Scotiabank offers a LEARN VISA especially for students – no annual fee and low monthly interest – and if you pay the balance every month you will pay no interest
Which bank(s) offer the best student credit cards?
I’m a freshman in college and I’m looking into applying for a credit card to build some credit. I’ve already been denied by Chase for their student card. What other banks have good cards for students, or are all the cards pretty much the same?
let me clarify, I have an income. I work in retail. Would that suffice?
If you are under 21, you MUST either have a parent co-signer or have a job to show you can actually pay the bill each month. Sorry, but this is a new law that is actually helping save you from you, believe it or not.
what is the best student credit card out there?
I’m a college student with no credit but I want to get a credit card. What are some of the best credit cards for students? I’m planning to make small purchases and paying them off the next month to build credit. What other ways can I build my credit?
I Totally denounce the anti-credit card for college kids. A checking account will not sufficiently boost credit. While budgeting is great, I recommend mint.com.
IF you are wise and use the card for only things like REAL needs, e.g. gas, food, etc., you can get a ticket on the capitalism bus early.
Some rules:
Low Rates, Rewards, NO ANNUAL FEE!
Pay IN FULL every month from your checking and/or savings account. The web makes it SO easy to manage money/pay bills.
Do not exceed 35-40% of available credit for more than one billing cycle preferably never.
If you can do that with one, then apply for three and NEVER EVER close them. That shows a lengthy credit history.
DO NOT fall for retail % discount gimmicks. EVERY time you aplly for a credit card, your FICO score goes down.
That’s a good question.
My first card was from Citibank because they were the only ones on campus and not necessarily the best. Since you are just starting out and trying to build your credit they will probably only offer you a secured card (that means you will need to put down a collateral). If you get an unsecured card then you are 1 step ahead from the bottom.
Building credit requires you to be able to pay off debt (with interest) over time, and not just paying off your bills each month before you get charged any interest. That does not build any credit because it does not demonstrate that you can pay off debt larger than your income. This is how credit affects how you can get a loan for a car or a home.
The best place to get started is to go to your local bank where you have a bank account and talk to them about getting student credit. They will have tons of information for you.
If your bank isn’t in the area because you are away at school, look into opening a student account with a community credit union, usually they have bundles that cater to students going to school in the area.
Hope this helps.
-Sprout
http://www.baconvsprout.com