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Obtaining a credit card while in college provides a number of benefits to those entering the adult world. Whether you need to learn how to budget money, need a convenient way to pay bills, or start building a solid credit history, student credit cards are a great way to do all that and more.

Student credit cards typically have low spending limits, but building that credit history starts immediately. And a good credit history is important later for getting car loans and eventually a mortgage. A student credit card can also be a lifesaver if a financial or personal emergency comes up when you're otherwise short on cash. And let's not forget the convenience of using a student credit card versus always searching for an ATM machine when you're low on time.

When looking for a student credit card, there are a number of factors you should consider. Some of these include:

  • Annual fees. Many student credit card companies charge no annual fees for those in school. However it's imperative to read the fine print and understand what charges you may or may not incur.
  • Interest rates. Credit cards are a great way to build credit but there's a cost associated with borrowing money. Consider what the annual APR is with any credit card you consider before applying. If you plan paying off your credit card every month, then the interest rate isn't a factor but should something come up it's good to know what the charges will be.
  • Penalties. Credit card companies make money when your payment is late or when you go over the credit limit. Understand what penalties exist with any credit card you're considering. has reviewed and ranked the best student credit cards available today. We hope these reviews help you find the right student credit card and begin building your credit history today!


Student Credit Card Reviews

6 ways to up your odds of getting a mortgage

1. Get Your Paperwork in Order You'll need W-2 forms for the past two years, paycheck stubs from the past few months, proof of previous mortgage or rent payments for the past year, a list of all your debts, including credit cards, student loans ...

Published:  Sat, 22 Oct 2016 05:02:00 GMT

9 Legit Things To Do if You Want to Save Money

"A vacation to Paris is 25 percent off," says Boudreaux. Meet you there, tout suite. If you have major debt - whether you've got credit cards, student loans, or home loans - now's the time to look into refinancing. Interest rates are at historic ...

Published:  Fri, 21 Oct 2016 16:27:00 GMT

How to Tell If You're Really Ready to Buy a Home

If buying a home prevents you from being able to save or from getting out of higher-interest rate debt such as credit cards, student loans, personal loans, etc., put the housing project on hold or pause and ask yourself whether buying a house is really the ...

Published:  Tue, 18 Oct 2016 01:00:00 GMT

Rock Band Coming to Collier Schools to Promote Financial Literacy

For the first time, they have access to credit cards, student loans and auto loans. They may be paying rent and utility bills for the first time. The curriculum in Collier County schools includes two courses with a focus on economics and financial literacy ...

Published:  Fri, 14 Oct 2016 02:56:00 GMT

Dave Ramsey: Don't touch 401(k) to pay off credit cards, student loans

Dear Dave: My wife and I make $100,000 a year combined, and we have about $12,000 in credit card debt. We also owe another $80,000 in student loans, and our kids' private school education costs $1,000 a month. Is it OK for me to take a loan against my ...

Published:  Thu, 08 Sep 2016 12:52:00 GMT

Discover Financial Services: A Well Managed Company With Multiple Growth Opportunities

With the current offerings of DFS (credit cards, student loans, personal loans, home equity), it can be seen that DFS is focusing on millennials and students. It may be viewed as subprime or risky but in my view, it is positive for the long-term success of ...

Published:  Mon, 17 Oct 2016 05:39:00 GMT

'How I Paid Off Credit Cards, Student Loans And Saved $150K For A New Home'

This story originally appeared on LearnVest. In today's economy it's harder than ever for Millennials and even Gen Xers to save up a down payment for their first home. But Jake Hawkins*, a 39-year-old media production company owner, did just that. Here ...

Published:  Fri, 27 May 2016 06:09:05 GMT

Big 3 Credit Bureaus Settle Dispute With AG Jim Hood

The reports are the basis for determining whether and on what terms consumers are offered credit cards, student loans, auto loans, mortgages or rental housing. The information on the reports may impact the security clearance of a member of the military ...

Published:  Wed, 19 Oct 2016 10:00:00 GMT

How interest rates work - and how Donald Trump or Hillary Clinton might affect your credit

While a single $5 bump may seem small, remember that rate increases add up: Once all your creditors - credit cards, student loans, car loans and others - start raising your rates, you'll see a bigger difference. "I'm not a person that thinks Janet ...

Published:  Thu, 20 Oct 2016 15:43:00 GMT

Conservatives win big in landmark ruling against Consumer Finance Protection Bureau

The director was given unilateral authority to set fines and enforce a broad range of laws governing mortgages, credit cards, student loans and other consumer financial products. The agency says it has returned more than $11 billion to consumers so far.

Published:  Tue, 11 Oct 2016 13:11:00 GMT

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