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  Category: Articles » Finance » Credit » Article
 

5 Tips for Finding the Best Student Credit Card




By Beth Derkowitz

There are a wide variety of credit card offers available specifically to students. Some companies even set up booths on campus, and there are more that provide information online. Here are five tips to help you choose the best student credit card for you:

1. Consider your monetary habits. Before choosing which credit card to apply for, consider what you will use it for and how you will pay it off. Many students use credit cards to pay for large purchases like textbooks, so it might be wise to look for a low fixed APR if you are likely to carry a balance. Look at the terms of each credit card agreement and consider how they will work with your own monetary habits. This can help you to save money in the long run.

2. Consider which features are most important to you. Many student credit cards offer the same sorts of features that regular cards do, including rewards programs and introductory rates. Think about which features you will get the most out of and look for cards that include them.

3. Read the fine print. If you have never had a credit card before, a lot of the details can be confusing or seem unimportant. By reading through the entire agreement carefully, and asking questions about anything you don't understand, you can get the most out of your card and avoid unpleasant surprises later on.

4. Compare several cards to find the best one. Signing up for a credit card at a booth set up on campus is easy and fast, but not necessarily the best option. Take an application home or to the campus computer center and look for more credit card offers to compare and determine which one really serves your needs best.

5. Check several sources of information. The Federal Reserve publishes a survey of credit card terms every six months, and there are a wide range of websites where you can compare credit card offers and apply online.
 
 
About the Author
To find and apply for a student credit card, Beth Derkowitz recommends Find Credit Cards. Please see http://www.findcreditcards.org/type/student.php for more information.

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  Some other articles by Beth Derkowitz
5 Tips for Finding the Best Visa Credit Card
Visa credit cards are one of the most common types of credit card, and they are widely accepted all over the world. Visa is a method of payment, ...

5 Tips for Finding the Best Secured Credit Card
Secured credit cards can be ideal for those who have no credit or damaged credit. In general, the credit line for ...

5 Tips for Finding the Best Rewards Credit Card
Rewards credit cards offer benefits based on how much you spend within a certain time period. In general, you can accumulate points towards your rewards with every purchase, ...

5 Tips for Finding the Best Prepaid Credit Card
With prepaid credit cards, the credit limit is determined by how much money you deposit in advance for yourself to use. Since there is no line of credit, they are not technically credit cards at all, but ...

5 Tips for Finding the Best Platinum Credit Card
Platinum credit cards have a reputation for exclusivity and prestige, but they are open to a wide range of consumers. One ...

5 Tips for Finding the Best No Credit Credit Card
Even with no credit history, there are several types of credit cards that may be available to you. College students often have access credit card offers during orientation. ...

  
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