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:
8.0
-
Consumer Rating:
0.0
| Intro APR: |
N/A |
| Regular APR: |
17.24% (V) |
| Annual Fee: |
None |
| Intro Period: |
N/A |
| Balance Transfer: |
No |
Don't know your Credit Score? Click here
- The credit card that rewards you for good behavior.
- Up to a 2% purchase APR reduction when you make a purchase, stay under your credit line and pay on time 3 billing periods in a row.
- 3,500 bonus points after $250 in purchases are made within 3 months of account opening.
- 2,500 bonus points when you sign up for paperless statements within 3 months of account opening.
- 5 reward points for every $1 you spend on dining, books, movies and music. 1 reward point for every $1 you spend on other purchases.
- 0% APR for 6 months on purchases.
-
Editor's Rating:
0.0
-
Consumer Rating:
0.0
| Intro APR: |
N/A |
| Regular APR: |
As low as 17.24% (V) |
| Annual Fee: |
None |
| Intro Period: |
N/A |
| Balance Transfer: |
No |
| Credit Needed: |
Good
|
Don't know your Credit Score? Click here
- 0% APR* on purchases for 6 months if you qualify based on your application and credit history.*
- Earn 5 ThankYou Points® for every dollar you spend at restaurants, bookstores, record stores, movie theaters and video rental stores.
- Earn 1 ThankYou Point for every dollar you spend on all other purchases.
- Earn 25 ThankYou Points every month when you pay on time and don't go over your credit limit.
- Earn up to 2000 ThankYou Points twice a year for maintaining a good GPA.
- Redeem points for gift cards, travel, electronics, music and more.
-
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: |
Yes* |
| Credit Needed: |
Good
|
Don't know your Credit Score? Click here
- 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, movies and many more.
- 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:
9.0
-
Consumer Rating:
0.0
| Intro APR: |
* |
| Regular APR: |
* |
| Annual Fee: |
N/A* |
| Intro Period: |
* |
| Balance Transfer: |
Yes* |
Don't know your Credit Score? Click here
- A safe alternative to credit card debt.
- Ability to use anywhere MasterCard debit cards are accepted, including ATMs.
- Instant and convenient access to funds and allowances.
- Have funds deposited directly onto your card-easier access to your paycheck.
- Safe and easy way to have funds when studying and travelling abroad.
- Receive Prewards, which are like coupons, put directly on your card.
-
Editor's Rating:
8.5
-
Consumer Rating: (1 ratings)
9.0
| Intro APR: |
0%* |
| Regular APR: |
14.99%* |
| Annual Fee: |
None* |
| Intro Period: |
Up to 6 Months |
| Balance Transfer: |
Yes* |
| Credit Needed: |
Good
|
Don't know your Credit Score? Click here
- Double Cashback Bonus automatically on your first $250 in purchases each month at any gas station and any restaurant.
- 5% to 20% Cashback Bonus at over 100 top retailers through our exclusive online shopping mall, ShopDiscover(SM)
- Up to 1% unlimited Cashback Bonus on all other purchases automatically
- Flexible redemption options: choose from Partner gift cards, merchandise, Discover® gift cards, credit to your Discover card account or an electronic deposit to your bank account
- Turn your Cashback Bonus into bigger rewards by redeeming for gift cards or eCertificates from over 100 brand-name Partners such as Bed, Bath & Beyond®, Red Lobster® and Lands' End®.
-
Editor's Rating:
0.0
-
Consumer Rating:
0.0
| Intro APR: |
0%* |
| Regular APR: |
14.99%* |
| Annual Fee: |
None |
| Intro Period: |
6 Months* |
| Balance Transfer: |
Yes* |
| Credit Needed: |
Good
|
Don't know your Credit Score? Click here
- 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, movies and many more.
- 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:
0.0
-
Consumer Rating:
0.0
| Intro APR: |
0%* |
| Regular APR: |
14.99%* |
| Annual Fee: |
None |
| Intro Period: |
6 Months* |
| Balance Transfer: |
Yes* |
| Credit Needed: |
Good
|
Don't know your Credit Score? Click here
- 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, movies and many more.
- 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
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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.
* See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click on the “Apply Here" button and review info on the secure credit card terms page.
