Are you a student interested in
building or establishing good credit? Student credit cards, specifically designed for students with little or no credit history, can be a terrific tool for building credit. The fastest way to a good credit score, typically between 680 and 739, is to obtain a student credit card AND
use it wisely. Fortunately, students have a variety of credit card companies that are willing to extend them credit.
Even though your a student, you can earn rewards with a student credit card.
Think student credit cards are just about building credit? Think again. Many student credit cards also include rewards and low introductory interest offers. Some of the best features include; low interest rates, 0% interest on balance transfers, and points for savings on music, movies, entertainment and more. American Express offers a blue student card. Some cards, such as Citi Bank provide instant approval within 60 seconds.
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Editor's Rating:
7.0
-
Consumer Rating: (3 ratings)
7.7
| Intro APR: |
0% |
| Regular APR: |
16.90% |
| Annual Fee: |
$29 |
| Intro Period: |
Until February 2009 |
| Balance Transfer: |
Yes |
| Credit Needed: |
Limited
|
Don't know your Credit Score? Click here
- Start building your credit today and earn cash, simple and fast
- 25% annual bonus on cash earned during the year and 1% cash back on all purchases
- No limit on cash back and rewards won’t expire for the life of your account
- 0% intro APR on purchases until February 2009
- $0 Fraud Liability for unauthorized use if your card is lost or stolen
-
Editor's Rating:
8.5
-
Consumer Rating: (1 ratings)
10.0
| Intro APR: |
0% |
| Regular APR: |
13.49% |
| Annual Fee: |
None |
| Intro Period: |
6 Months |
| Balance Transfer: |
Yes* |
| Credit Needed: |
Good
|
Don't know your Credit Score? Click here
- 0% APR* for 6 months on purchases, cash advances and balance transfers.
- Earn 5% cash back on purchases at supermarkets, gas stations, convenience stores, and utilities including cable for 6 months and 2% thereafter.
- No minimum income or cosigner required
- No annual fee
- FREE Online Account Management
-
Editor's Rating:
7.5
-
Consumer Rating: (1 ratings)
10.0
| Intro APR: |
0% |
| Regular APR: |
12.49% |
| Annual Fee: |
None |
| Intro Period: |
6 Months |
| Balance Transfer: |
Yes* |
| Credit Needed: |
Good
|
Don't know your Credit Score? Click here
- 0% APR for 6 months on purchases, cash advances and balance transfers
- No minimum income or cosigner required
- No annual fee
- $0 liability on unauthorized purchases
- FREE Online Account Management
-
Editor's Rating:
8.5
-
Consumer Rating: (2 ratings)
7.5
| Intro APR: |
0% |
| Regular APR: |
14.99% |
| Annual Fee: |
None |
| Intro Period: |
6 Months |
| Balance Transfer: |
No |
| Credit Needed: |
Good
|
Don't know your Credit Score? Click here
- Earn more cash in more ways than anyone elseSM*
- Unlimited cash rewards, automatically
- Up to 20% Cashback Bonus® when you shop online*
- Double rewards with more than 100 Cashback Bonus Partners*
- Customer Service in less than a minute, anytime you want
-
Editor's Rating:
8.0
-
Consumer Rating: (2 ratings)
9.5
| Intro APR: |
0% |
| Regular APR: |
14.49% |
| Annual Fee: |
None |
| Intro Period: |
6 Months |
| Balance Transfer: |
Yes* |
| Credit Needed: |
Good
|
Don't know your Credit Score? Click here
- 0% APR for 6 months on purchases, cash advances and balance transfers
- Earn rebates towards any car, new or used**
- Build your credit history
- Free Online Account Management
- $0 liability on unauthorized purchases
-
Editor's Rating:
8.5
-
Consumer Rating: (1 ratings)
9.0
| Intro APR: |
0% |
| Regular APR: |
14.99% |
| Annual Fee: |
None |
| Intro Period: |
6 Months |
| Balance Transfer: |
No |
| Credit Needed: |
Good
|
Don't know your Credit Score? Click here
- Double Cashback Bonus on grocery store purchases in November and December*
- 0% Interest* on Purchases for 6 Months
- Build Your Credit History
- Full 5% Cashback Bonus® on gas and auto maintenance purchases*
- Up to 1% Cashback Bonus on all other purchases*
-
Editor's Rating:
7.5
-
Consumer Rating: (2 ratings)
8.5
| Intro APR: |
0% |
| Regular APR: |
14.49% |
| Annual Fee: |
None |
| Intro Period: |
6 Months |
| Balance Transfer: |
Yes* |
| Credit Needed: |
Excellent
|
Don't know your Credit Score? Click here
- 0% APR* on Balance Transfers for 6 months
- No annual fee for your card and free membership in the American Airlines AAdvantage® program.*
- Earn 1 AAdvantage® mile for every $2 you spend on purchases – up to 25,000 miles per year.*
- Redeem AAdvantage® miles with over 20 of the world's top airlines, major car rental companies and hundreds of luxurious hotels worldwide.*
- No minimum income or cosigner required.*
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In today’s economic environment, credit history is critical.
Even more important then just a few years ago, an individual's credit history has become the most important factor in determining whether or not someone should trust you with their assets. As a student, you are in an optimal position to begin a sound record of personal financial management. The key is to establish credit under your name and social security number, and to avoid racking-up a bunch of credit card debt by the time you graduate. Check out Credit Cards 101 for college students.
Below are college and graduate school costs that CompareCards.com considers appropriate / non-appropriate to charge on a credit card:
Appropriate charges:
• Text books
• Housing accessories
• Computer
• Travel Expenses
• Gas (if cash isn’t an option)
• School Supplies
Non-Appropriate charges:
• Meals over $20
• Shopping related items
• Rent
• Utilities
• Subscriptions (e.g. cell phone, magazine)
Student credit cards are very different from low interest student loans.
Not to be confused with low interest student loans, student credit cards do not defer payments. Even the best student credit cards begin charging you interest following the established grace period and there will be a minimum balance due each month. It’s important, to ensure that your credit score remains good, that you make your payments on time each and every month. But, for the student who is willing to manage their new card wisely, the rewards can be significant.
A bad credit score is not the end of your credit options.
If you have gotten off to a bad start with building credit as a student, you still have options available to you. Many of the credit card companies offer solutions that can help you begin to repair it. The biggest factor after obtaining a new student credit card is to make your minimum payment every month and to submit payment on time. Even one missed payment can damage your score even further. Though already having a negative history can make getting a new student credit card a bit tougher, following the above recommendations can help you wipe away all of your negative credit history in a relatively short time.
Tap into available resources from your school before considering bad credit student loans.
The most important thing to remember about bad credit student loans is that it doesn’t have to be permanent. With proper action, your credit can be repaired. Get a copy of your current credit score in hand.
