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Credit Cards for Students
Looking for your first student credit card or considering a switch? Credit cards for students have low income requirements, flexible payment terms and are a good way to build your credit. If you remain in good standing it's possible to periodically lower your APR (AKA interest rate charged...). Read: Five Things your Credit Card Company Does Not Want you to Know. Many of the applications for credit cards for students offer useful rewards and benefits. If you review them carefully and manage them responsibly you can find valuable college student credit cards.
Selecting the student credit card for you
There are many credit cards for students. To find the right credit card for you, check the "Credit Needed" column on the right. If you are unsure of your credit score, read our article on credit cards for students and your credit score.
The new Discover it® card is out to change the way people think about credit cards.
Fair...No annual fee. No overlimit fee. No foreign transaction fee and no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying late.*
Generous...5% cash back in categories that change throughout the year like gas, restaurant, movies, and more up to $1,500 in purchases with free and easy sign-up. And 1% cash back on all other purchases.*
Plus a Cashback Conciergesm who guides a free, personalized online tour to help you get the most rewards for how you use your card. *Click apply for Terms and Conditions.
The new Discover it card is out to change the way people think about credit cards.
Fair...No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first
late payment. And we won't increase your APR for paying late.*
Generous...5% cash back in categories that change throughout the year like gas, restaurant, movies, and more up to $1,500 in purchases with free and easy sign-up. And 1% cash back on all other purchases.*
Plus a Cashback Conciergesm who guides a free, personalized online tour to help you get the most rewards for how you use your card. *Click apply for Terms and Conditions.
There are three fundamental types of student credit cards:
Bank cards, issued by banks (for example, Visa, MasterCard and Discover Card)
Travel and entertainment (T&E) cards, such as American Express and Diners Club
House cards that are good only in one chain of stores (i.e. a Sears charge card)
Many people, especially students, are rejected after filling out a credit card application because of poor (or lack of) credit. For students who might not qualify for a traditional student credit card, there are prepaid credit cards. A prepaid credit card account is opened by depositing money from your checking account (or parents checking account), into the prepaid credit card account. A prepaid credit card can be used anywhere a regular credit card is accepted. Visit: prepaid credit cards to learn more.
