This section displays student credit cards which can help build credit history. Students can earn points towards travel rewards to help cover the cost of trips home or even spring break. Most of the cards offer cash back rewards when used at gas stations and grocery stores. Compare the details below of the leading student credit card offers. Once you find the credit card that suits your needs, click the “Apply Now” button to access the secure online application and start gaining rewards now!

If you are a new student on campus, you have seen the credit card companies pushing credit cards for the school events. College is an important time of your life, and by using a credit card responsibly, you can begin to build your credit while learning responsibility in using credit cards. If you choose carefully, you can find a card that may even offer incentives.

When using credit cards, it is important that you use common sense. One of the benefits of building your credit history is to help you buy a car or home once you graduate. When using a credit card, it is important to keep in mind that your payment history will become part of your permanent record, much like your financial college transcript. By paying on time, you are raising your credit score to qualify for even greater rewards later on.

Some of the incentives offered on student credit card include cash back. These can range from 1% up to 5%. When being offered these rewards, you will want to find out what the exact terms are, if there are certain types of purchases that you must make to qualify, and what the interest rate is. Balance the interest rate with the cash back incentive and find the one that makes the most sense for the long run.

If cash back rewards aren’t the best offer, look for cards that offer points you can redeem for airline tickets (great if you need to fly home for school breaks), gift cards and even VIP passes for certain trips. Find the card that matches your personal needs the best.

The interest rate on the cards will vary. Make sure to find out how long the introductory period is. Some offer 0% introductory rate for the first several months, but it is the long term interest rate you want to know. Find out if the introductory rate is for new purchases, or just for balance transfers. Doing a little research and asking a lot of questions will help you find the best card. Credit card companies want your business, so make sure to get them to compete. It can really pay you dividends for doing a little research.

Never rely on your credit card as a source of income. Use it responsibly. Being a student has a lot of expenses associated with it, so it’s best to keep your available balance open for emergencies. Don’t use it for going out on the town, since that money isn’t free. Learning good spending habits during college makes the learning process more complete. Financial responsibility may be the most important thing you learn during the college years.

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