What’s the best student credit card?

The best strategy is to get a rewards credit card, funnel all/most of your normal spending through it, and pay you balance in full every month. That way you build your credit quickly, avoid interest, and earn rewards.

If that’s your strategy, then you’ll want to get the student credit card that will pay you the most (in rewards) for your normal spending profile. You can use this rewards calculator to quickly determine the best card for your spending:

http://www.creditcardtuneup.com/?card_type=College+Student

One of the best student cards is the Citi mtvU card. I wish I could get it for the 5% rewards at restaurants, movie theaters, etc. Use the calculator to compare it to others like the Citi Driver’s Edge for Students, etc.

http://www.cardoffers.com/introCreditCards/selected/category/card.asp?category=Student

Check this website for comparison between student cards and tons of useful information, such as who is best suited for the card. Student cards generally have high APRs because they are aimed at college students who don’t have any credit history. I just found out, though, that my College Visa card through my bank, Wells Fargo, has a great APR for a student card (13.9%), plus a pretty high starting limit for someone with zero credit ($800, and increase to $1100 after 2 months). You may want to check if your bank has any credit cards. The only downside to Wells Fargo is its poor rewards program, which I have to pay for, but I’ve obtained other rewards cards that I’ll use for rewards and keep this one for its low APR.

All the offers you see with 0% or low APR are only introductory or teaser rates to get you to sign up. Look at the fine print; they usually have a range of APRs you can qualify for. The thing about getting your first card (or any card, for that matter) is you won’t know exactly what the APR and credit limit are until you are approved.

Best wishes for college.

Students should not miss such offers as they provide a lot in savings and reducing the repayment burden. We look at 3 particulary interesting 0% Intro APR credit cards offers.

1. Discover® Student Clear Card

Coming straight from the major credit card issuer Discover, the Discover® Student Clear Card, comes with no annual fee, 0$ fraud liablility guarantee with the 0% Intro APR* on purchases for 6 months. The Discover® Student Clear Card offers easiest online account management options which save a student lot of time in managing their credit card account details.

2. Universal Entertainment Student MasterCard®

This credit card issued by Chase comes with a 0% Introductory APR for up to 6 months. This credit card has a good reward program which offers 1 point for every dollar spent and comes with No annual fees. Keeping in mind the entertainment needs of students the Universal Entertainment Student MasterCard® offers two movie tickets after the first purchase and double points on select Universal Studios Theme Park purchases. It also gives the students option to recieve opening Weekend Tickets to Universal Movies and Discounts on Universal Studios Theme Park tickets and merchandise.

3. Chase Student Flexible Rewards Card

This credit cards has a 0% Introductory APR on all purchases and balance transfers for up to 6 months. The reward progams that comes with Chase Student Flexible Rewards Card gives 1 point per eligible dollar, and students can redeem their points for merchandise. This credit card has no annual fees. Apply online for a best student credit card at: http://www.credit-card-gallery.com/Student_Card.html

I recommend the Chase student flexible rewards card. APR is high for student credit cards so it is a good idea to always pay your bills in full every month.

None really.

If you work to pay it off then get only one

Amex or any low apr visa and mastercard that usually is offered with your own personal bank being cheapest apr.

Dont go hog wild!

Spend only what is needed and remember its not free money, you must work to pay it off.

you might want to go here to compare them http://www.bestcreditrates.net