College Student Credit Card
College Student Credit Card
There are literally hundreds if not more, credit cards for college
students on the market today. That's the easy part! The difficulty
arises in trying to choose the best credit card for college student that is right for your particular needs, lifestyle and personal budget.
There are basically two broad categories of college student credit cards. These credit cards for students are provided by the major credit card companies and are specifically targeted at the college student market but are not affiliated - non-affinity credit cards. These providers include, Visa, Mastercard, Discover etc.,
The second are affinity student credit cards, which are credit card issuers who are affiliated with particular colleges. Among
the most well-known of these college student credit card providers
are Chase student credit card and the Bank of America, who happen
to be the largest college credit card providers.
While the above two approach represent two different means of targeting students with credit card offers, the credit card companies' intent on seducing you with credit cards with reward and incentive schemes remains very much the same. Let's take a look at one of the affinity- related student credit card offer - Chase student credit card.
Chase And Credit Card Services
If you are a college student, you will have a wide variety of Chase credit cards to choose from. These range
from low interest rate credit cards with benefits to Chase credit cards with rewards for purchases on clothing,
books and other essential students' merchandise.
When it comes to Chase and credit card services, this card company offers a wide ranging credit card credit facility that caters for the diverse needs of the general population. These
cards carry many benefits and represent some of best rewards and
incentive credit card offers to be found.
What this means for you if you're a student, is that Chase credit
card services provide a host of chase student credit card offers
that may not only provide a whole lot of benefits but can help you to build a positive credit card history as well.
Since one variety of the Chase student credit card services relate to affinity cards that are affiliated with particular colleges or charitable organisations, you have the option of choosing between different chase college credit card
offers, depending on where your loyalty lies. That is, whether to choose a Chase college student credit card that support a charitable organisation or or one that supports your college or university.
To select the best Chase student card, simply compare the different features of these credit cards for students. By taking a little time to do a thorough college student credit card comparison and fully understanding how the different benefits can meet your lifestyle choices and needs,
you will be better placed to make an informed choice as to the
best credit card for college student to meet your lifestyle.
Other Credit Cards For college Students
In addition to chase college students credit cards, there is a wide variety of credit cards for college students being offered by some of the other major credit card providers. Although these
credit card credit providers' focus is not on affinity college
student credit cards, they nevertheless have a number of student credit card offers, many of which carry incentives
and rewards.
Before you apply for student credit cards, here are a few examples of college student credit card offers that are currently available.
Chase Student Credit Card - Flexible Rewards Card
This Chase student credit card offers:
0% Introductory APR for 6 months on purchases & balance transfers
Redeemable points for branded goods and Gift Certificates
1 point per every eligible dollar Spent
No annual fee
Citi Student Credit Card
Citi student credit card for college students offer a range of credit cards to suit your needs. Among the choices of college student cards are Citi Platinum Select Visa, Citi Platinum MasterCard,
Citi Dividend Platinum Select Visa etc., Although these student credit card offers do vary, in general, you can earn up to 5% cashback on purchases at supermarkets, gas stations, drug stores
and on other eligible purchases.
Depending on the type of Citi student credit card, you can get a 1% cash back on other purchases made elsewhere on this credit card for college student option. Further key features include:
0% APR on purchases, balance transfers and cash advances for 6 months
No co-signer required
A number of additional benefits
Discover Student Credit Card
One of the features of the Discover student credit card is that it is designed to help you build your credit history.
Other key features of the Discover college student credit card include:
0% APR For 6 Months
No Annual Fee
Full 5% Cashback on purchases
Up to 1% Cash back on other purchases
Cashback Bonus Rewards on all purchases
No charge fraud liability
Manageable online
Plus other benefits
Prepaid Credit Cards
The above college student credit cards are by no means the only
type of cards open to you. Many students who do not work, earn enough or those who have not established a credit history, may find it difficult to qualify for a credit card.
There are credit card providers who will, under these circumstances,
offer special interest rate cards or other types of credit cards for people with no credit history - such as secure credit cards. Some of these credit cards are targeted specifically at
college students and may even have no annual fees; while others may not require a parent to co-sign the student credit card application.
A further student credit option to consider is prepaid student credit cards, that can be used any where regular credit cards are accepted.
If you plan to apply for a student credit card, do remember to research thoroughly and select the best college student credit card deal for your particular circumstances. You will find some further
information on how to choose the best student credit
card here.
Do also bear in mind that you will be entering into a legal agreement. You must ensure you make prompt repayments and work to build a healthy credit card history in the process.
The content on this site is purely for information purposes only and is not intended to replace your seeking professional financial advice.
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