Student Credit Card Offers

STUDENT CREDIT CARD OFFERS

Student credit cards can be extremely helpful for college students as they provide an excellent way to build a credit history. When looking for a student credit card, focus on finding an offer with a low long term APR and don't put too much emphasis on rewards and introductory offers. A student credit card should be used like a debit card; only spend what you can afford to repay unless absolutely necessary.

Because of new restrictions imposed by the CARD Act, some student credit cards require a co-signer. If you fall into this category, talk to your parents and see if they will co-sign. This will help you start building your credit history and help you get better rates on everything from credit cards to car loans after graduation.

Below you will find information on student credit cards as well as links to secure online applications. All links open in new windows. If a link fails to open, temporarily disabling your pop-up blocker will fix the problem.

Student Credit Card Tips

Having a Student Credit Card is Important: Running up credit card debt in college can lead to years of headaches. However, having a student credit card is essential. The key benefit provided by student credit cards is the establishment of your credit history. Without a student credit card, it may be difficult to qualify for credit cards after college and your lack of a credit history may make it more difficult to secure good rates on home and auto loans.

Use Student Cards Responsibly: While having a student credit card can go a long way in helping to establish your credit history, using it irresponsibly can erase these benefits. Consider your credit card bill your most important bill and always pay it on time. This will not only help you avoid late fees but, more importantly, it will demonstrate your ability to manage credit to future lenders.

Don't Spend Money You Don't Have: Having a $1,000 credit limit isn't the same as having $1,000. And if you run up balances, you will quickly learn it is much easier to get into debt than it is to get out of debt. With a 15% interest rate, carrying an average daily balance of $1,000 will cost you slightly more than $150 a year. Keep this in mind before making purchases you can live without.

Government Resources: CARD Act Consumer Protections | Federal Trade Commission | Consumer Financial Protection Bureau

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*Important Disclaimer: See online credit card applications for complete details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuing company's website.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.