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In the past few years, student credit cards have developed excellent features to help students manage credit card expenses, payments, and debts and reward students for effective financial management. Some, for instance, offer rewards that can be redeemed in the campus bookstore, on iTunes, or to buy concert tickets or pizza in local restaurants. Although some student credit cards are specifically designed for college students, you should also consider standard credit cards oriented towards consumers who are building credit or may have a fair credit rating.
The best credit cards for students may also offer convenient ways to help parents transfer money to kids and then track their child’s use of the card to ensure that the student is using it responsibly. Best of all, students can use these credit cards to build up their independent credit history and good credit score so that once they leave school they will be in a solid position to potentially borrow money from banks or lenders.
As with any credit card, you should first check the APR and other rates, fees, and charges including any annual fees. Carefully compare those for each student credit card – while taking any rewards and benefits into consideration. If some of the terminology card companies use to explain their plastic sounds like Greek to you, don’t worry. You can refer to the glossary provided on our site for user-friendly translations that don’t require an advanced post graduate degree to understand.
In general college students seek the following type of credit cards:
Whatever the reason, students often look for a quick fix to meet their needs during their full time job of earning a degree. Before you sign up for the instant approval student credit cards that offer you a free t-shirt, make sure you understand the terms and conditions.