Student Credit Cards

The student credit cards listed below are the best choice for those whose income and expenditure revolves around buying books and beer! If spiraling education and partying costs are restricting your Student experience, these cards will provide you the freedom you need. Compare the following credit cards, then apply online for your choice of card by clicking on the “Apply” button and completing a secure application.

(No Suitable Student Credit Cards Available at Present)

Student Credit Cards Information

Getting your first credit card is something that should be taken seriously and monitored very closely. Many credit card companies are willing to give out Student Credit Cards, but there are a few things to look at when you are making your decision. Many of the most popular cards will offer an introductory low interest rate period. It is important to read about how long this rate will last, and what types of purchases are eligible. Another factor to consider is the annual interest rate. Once that introductory period is over, many of these cards will have different rates, you want to look for the lowest one. A third factor to look at is the credit limit that is offered. Some of these student cards have a cap, and others will base it on your credit score.

Some of the more popular Student Credit Cards come from well known companies like Virgin, Halifax, RBS, and Capital One. Going with one of these well established companies will ensure you good customer service if any problems should surface. These companies are also ones that can typically offer more promotional deals or work with you in the future to lower the interest rate or eliminate fees. The cards from the companies mentioned above share some of the same characteristics. They offer zero percent interest rates on balance transfers for a specified amount of time. This can really help eliminate debt that you might have from a previous card. They also offer higher interest rates, but that is typical of a student card.

The best way to get a lower interest rate card is to establish a good credit history with one of these Student Credit Cards. This will allow you to apply for lower interest rate cards in the future. One of the main reasons the interest rates are high is because most students don’t have a high enough paying job to get lower rates. The companies also do not want students to run up a huge debt, and the high rates might just be enough to keep them from doing so.

Some other added benefits of all of these cards are specific to students. Most of the cards have automatic identity theft protection included with their cards. This is an important feature for people that are just starting out with the process of establishing good credit. Many of the Student Credit Cards also do not charge any fees for the first occurrences of going over the limit or having late fees. Those fees can ruin a credit score, so these companies are truly trying to help young people establish good credit.