Today there is a wide array of credit cards designed specifically for college students. One of the major selling points for these cards is that they may be used by students to establish a good credit history and that they come with features that are attractive to the college set. For example, the cards themselves often come with bright, contemporary designs and key cards that offer easy access.

Learning about Building Good Credit

Some of the financial institutions that offer student credit cards also offer numerous opportunities for students to learn about establishing good credit for the future. These tools can include online tutorials and, sometimes, access to live consultants. The best feature for students who are on a tight budget can be the low interest rates and easy online banking options.

Students can apply for these cards online and will receive a response almost immediately. Some cards feature a zero percent introductory rate and no interest on cash advances for up to six months. Others also offer cash back rewards and zero liability on unauthorized purchases. Some even come with access to student fares on specific airlines as well as travel rewards that earn flights home.

College students can often get credit cards even if they have no income at all and are using student loans for living expenses. Some student cards charge higher rates and offer perks that appeal to students. Discounts in major chain stores that cater to students are common. As a student, you should still be looking for a credit card that meets your needs, so compare interest rates, fees, and perks before you make a choice. Remember that numerous credit card applications can have a negative effect on your new credit rating, so shop wisely and apply for a card you're pretty sure you want.