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Student Credit Card Options

Apr 23, 2008
When one thinks of a student credit card, you probably think of a credit card that offers no rewards and awful rates. You'll actually be surprised at how many options you'll have when you apply for a card that is designed for a college student. Even though establishing credit can be a tedious task, if you have self discipline and responsible spending habits, building credit for yourself and avoiding debt shouldn't be hard
at all.

Now that you know that student credit cards offer many different options, we can take a look at what kind of options are out there and which ones will work out for you. Let's take a look at every option that's available and let's break down the rewards that might benefit you.

Gas rewards cards

A gas reward card is self explanatory. This is a card dedicated to a student looking to save on travel. This card is ideal for a student that tends to travel back and forth to school or lives on campus and likes to visit home every few weeks. A gas card will generally allow you to save with gas fillips anywhere from one to five percent. The nice thing about a gas card is that most credit card companies will give you a nice intro rate that can be as high as ten percent.

Points / Cash Back rewards

In my opinion, the cash back and point based system is probably one of the best systems out there. A system like this is pretty simple to understand. For every dollar you spend, you'll either get a point or cash back for your purchases. Once you build up enough points, you'll be able to use these points toward goods such as gift cards, travel tickets, and so much more.

Travel based rewards

Travel rewards are very similar to the gas rewards but instead it's applied to the air. This reward isn't used that often by students because college students don't tend to fly as often to take advantage. If you're a student that flies every three months or so, you might be able to take advantage of these rewards but other than that, I'd highly recommend the other rewards. A travel card works just like a gas card. For every dollar you spend, you'll get "airline miles". From there, these miles can be used toward your next flight.

Hopefully by now you can see how many options you'll have when you're looking for a credit card designed for a student. Depending on what rewards work for you, I'm sure you can find one that benefits you one hundred percent. It's important to remember that it's essential to pay your bill off in full each month to take advantage of the rewards. If you fail to do so, the interest will build up and not even be worth it. If you do your research properly and know exactly what reward you want, your credit card search shouldn't be hard at all.
About the Author
Find a student credit card and more of Tom's work at FINDcollegecards.
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