Credit Cards for Students

Student Credit Cards just like Student Loans are ways to establish a credit history.
In today's economy finances are of paramount importance and one's credit history is her or his financial reputation. The credit rating of an individual is helping lenders determine if someone is creditworthy or not. In addition, any company or individual, with a legitimate business need, can review your credit report. For example, a credit report can be used to determine one's eligibility to rent an apartment. Student Credit Cards, if used wisely, can be great help to establish a good credit history.

Citi® Dividend Platinum Select® Card for College Students

Annual Fee: None Ongoing APR: Prime + 7.99% (Currently 12.99%)

You've got the power to build your future. 0% APR* for 6 months on purchases, cash advances and balance transfers as long as you do not default under any Card Agreement* Earn 5% cash back on purchases at supermarkets, gas stations, convenience stores, and utilities including cable for 6 months and 2% thereafter. Earn 1% cash back on all other purchases No minimum income or cosigner required Build your credit history No balance transfer fee with this offer *See Terms and Conditions. Get More Info         Apply

Bank of America Student Platinum Plus® Visa® Credit Card

Annual Fee: None Ongoing APR: Prime + 10.99% (Currently 15.99%)*

Financial freedom while you build credit! Receive a $25 statement credit after qualifying transactions No cosigner required No annual fee Online Banking Service Total Security Protection® Mini Card available Photo expressions option available Card issued by FIA Card Services, N.A. See website for important rate and fee information. Get More Info         Apply

Citi® Bronze®/AAdvantage® Card for College Student

Annual Fee: None Ongoing APR: Prime + 9.99% (Currently 14.99%)

Your next flight may cost less than your next pizza. No annual fee for your card and free membership in American Airlines AAdvantage® program* Earn 1 AAdvantage® mile for every $2 you spend — up to 25,000 miles per year* No blackout dates on AAdvantage® award travel* AAdvantage® miles may never expire* $0 liability on unauthorized charges Access to credit education tips and tools No minimum income or co-signer required Special Student Deals *See Terms and Conditions. Get More Info         Apply

Chase + 1SM Student MasterCard®

Annual Fee: None Ongoing APR: As low as Prime + 9.99% (Currently 14.99%)*

All that you expect and then some 0% Introductory APR on all purchases and balance transfers for up to 6 months* No Annual Fee Get music, movies, electronics, and more with your Karma Points in the Chase+1 store *See Pricing & Terms. Get More Info         Apply

Capital One® No Hassle CashSM Rewards for Students

Annual Fee: $29.00 Ongoing APR: 14.90%

Establish Credit™Save For Your Next Big Purchase More cash back—25% annual bonus on the cash you've earned during the year* No catch—1% cash back on purchases you make from day one No limits—No limit on cash back No Expiration—Rewards won't expire for the life of your account Great savings—At Capital One Saving ZoneSM on Yahoo! Shopping Don't forget—0% APR on purchases until October 2008 *See website for Disclosures. Get More Info         Apply

Fidelity Investments® 529 College Rewards® American Express® Card

Annual Fee: None Ongoing APR: Fixed 16.99*

Start Saving For College! Earn 1.5% on net retail purchases charged to the card Fidelity 529 Dollars earned will be transferred to your Fidelity Managed 529 Plan Account Automatically 0% Introductory Annual Percentage Rate (APR) on balance transfers and cash advance checks for your first 12 billing cycles. With American Express SelectsSM, enjoy special online offers for your family from merchants around the world Card issued by FIA Card Services, N.A. *See website for complete Terms and Conditions of card usage and application disclosure. Get More Info         Apply

Discover® Student Card - Monogram Collection

Annual Fee: None Ongoing APR: 16.99% Fixed

Displays your Initials! Choose your personalized card design 0% Interest* on Purchases for 6 Months No Annual Fee Easy Online Account Management Options *View rates, fees, rewards and other important information. Get More Info         Apply

Discover® Student Open RoadSM Card

Annual Fee: None Ongoing APR: 16.99% Fixed

Get the card that's right for you, now and down the road. 0% Interest* on Purchases for 6 Months Build Your Credit History Full 5% Cashback Bonus® on gas and auto maintenance purchases* Up to 1% Cashback Bonus® on all other purchases* $0 Fraud Liability Guarantee No Annual Fee *View rates, fees, rewards and other important information. Get More Info         Apply

Citi® Platinum Select® Visa® Card for College Students

Annual Fee: None Ongoing APR: Prime + 5.99% (Currently 10.99%)

You establish great friendships in college. Establish great credit too. 0% APR* for 6 months on purchases, cash advances and balance transers No balance transfer fee with this offer* $0 liability on unauthorized purchases No minimum income or cosigner required No annual fee Free Online Account Management Great student discounts *See Terms and Conditions. Get More Info         Apply

Citi® Driver's Edge® Visa® for College Students

Annual Fee: None Ongoing APR: Prime + 9.99% (Currently 14.99%)

School's hard. Getting this card is not. 0% APR* for 6 months on purchases, cash advances, and balance transfers Earn rebates towards any car, new or used. Any make, any model — purchase or lease.* No minimum income or co-signer required 24/7 free online access $0 liability on unauthorized purchases No annual fee No balance transfer fee with this offer* *See Terms and Conditions. Get More Info         Apply

Discover® Student Card - Clear

Annual Fee: None Ongoing APR: 16.99% Fixed

0% Interest* on Purchases for 6 Months 5% to 20% Cashback Bonus® at top online retailers* No Annual Fee Easy online account options that put you in control $0 Fraud Liability Guarantee Cool, Clear Design *View rates, fees, rewards and other important information. Get More Info         Apply

Citi® mtvU™ Platinum Select® Visa® Card for College Students

Annual Fee: None Ongoing APR: Prime + 7.99% (Currently 12.99%)

Get serious rewards. 0% APR for 6 months on purchases, cash advances and balance transfers $0 liability protection No annual fee Earn 5 ThankYou Points® for every dollar you spend at restaurants, bookstores, record stores, movie theaters and video rentals stores Earn 1 ThankYou Point for every dollar you spend on all other purchases Earn 250-2000 ThankYou Points twice a year for maintaining a good GPA No balance transfer fee with this offer *See Terms and Conditions. Get More Info         Apply

The PAYjr Visa Buxx Card

Monthly Fee: $3.95

Optional use of Chore & Allowance system! Parental control and visibility over card usage No minimum balance required Design Your Own Card Reloadable Prepaid Safer than Cash Shop Online Not a Credit Card Get More Info         Apply

Discover® Student Card

Annual Fee: None Ongoing APR: 16.99% Fixed

Easy online account options that put you in control 0% Interest* on Purchases for 6 Months 5% to 20% Cashback Bonus® at top online retailers* No Annual Fee $0 Fraud Liability Guarantee *View rates, fees, rewards and other important information. Get More Info         Apply

Discover® Student Card - Tropical Beach

Annual Fee: None Ongoing APR: 16.99% Fixed

Tropical Beach Design! 0% Interest* on Purchases for 6 Months 5% to 20% Cashback Bonus® at top online retailers* No Annual Fee Easy Online Account Management Options $0 Fraud Liability Guarantee *View rates, fees, rewards and other important information. Get More Info         Apply

Card Lab Custom Visa Gift Card

The Customized Visa Gift Card Perfect for any occasion or holiday - makes the impersonal gift personal again Upload your own photo or choose one from our huge design gallery Customize your card with an embossed message Cards are available in denomination of $10 to $250 and are accepted anywhere Visa debit cards are accepted Online access lets you easily check your balance and transactions Cards are only $5.95 and are delivered in 5 to 10 business days *See web site for details. Get More Info         Apply

Western Union® Prepaid MasterCard®

Monthly Fee: $4.95

Credit problem? No problem! Carry your money safely and conveniently. Shop online anywhere MasterCard debit cards are accepted. Check your Card balance anytime online or over the phone. Reload your Card at any participating Western Union Agent location in the United States. No credit checks! No lengthy applications! Shop wherever MasterCard debit cards are accepted — even online Efficiently manage your money and pay bills because you control how much you put on the Card. Easy to Get, Easy to Use The power of cash. The convenience of plastic. Get More Info         Apply

Wired Plastic™ Prepaid Visa® Card

Monthly Fee: $3.95

Guaranteed Approval*. Earn Reward Points on Every Purchase. Receive your new Visa® card in as little as 3 days No Upfront Payment Required Overdraft Safety Program Rewards Program Integrated Bill Pay Service Convenient Loading Options *See Terms and Conditions. Get More Info         Apply

Students usually have no credit history. With no credit history, there is no credit rating, and with no credit rating, it is hard to get a decent credit card. This dilemma may prove to be difficult to overcome for many students. This is why banks came up with student credit cards, in a way, to help students build a credit history from the ground up. Student credit cards are often scaled back versions of an issuer's regular credit cards, but they accomplish their primary purposes: they can be used for purchases and help in establishing credit.