I recently got my ssn I would like to apply for a credit card I want to know which card is best for students?

Answer 1

As long as there is no fee, then it doesn't matter what kind of card AS LONG AS YOU PAY YOUR BILL ON TIME AND IN FULL EVERY MONTH. Got that? You use this card for CONVENIENCE, not for CREDIT. If you need to go into debt just to live, then a credit card is the worst thing you could do. So if it's just to avoid having to carry cash around, to be able to shop on-line, to be able to rent a car, etc -- go for it. Just make sure that payment in full is in the mail a week before the due date every month. But if you're the kind of person who will use it to go into debt, then get a debit card instead. It's just as convenient, but won't tempt you to get involved in high interest debt.

Then is you get the card, look for something that will give you cash back or other priviliges. For instance, Ford offers credit cards and every purchase you make (not just Ford products, but groceries and vet bills, etc) earns you dollars toward your next auto purchase, etc.

Answer 2

I picked up a brochure for a credit card in the college bookstore. It was for a Visa credit card and I got that one and it's convenient for all the places I need. I don't think there is any specific credit card for students, but the Visa seems to be used in stores, bookstores, online, etc.

Answer 3

Firstly, I think getting a credit card when you are a student is a good thing because you can build a credit history. Remember, that to build a good credit history, you would like to pay on time and preferably pay in full every month.

Without further a due, here are a list of credit cards which I think are good.

Citi Student Credit Cards

Citi MTVU Platinum Select Card :

This is a reward credit card that is based on Citi's Thank You Redemption Network reward program. This reason why I like this credit card is because it has a few interesting features that you do not find in other cards :

For example, you can earn five points for every dollar you spend at (1) bookstores, (2) record stores, (3) restaurants (including fast food), (4) motion picture theaters and (5) video entertainment rental stores and earn one point for every dollar spent on other purchases.

But in addition to that, you earn 25 points each time you pay your minimum bills on-time and if you do not exceed your credit limit.

You can also earn point twice a year for getting good GPA scores (4,000 points for a perfect score).

This is the most unique student credit card at the moment, which pays you 5 points for the most practical student expenditures and also rewards you for timely payments and good grades.

You can also redeem points to reduce your student loan.


Citi Dividend Platinum Select Card for College Student :

This is a cash rebate credit card with identical reward program features as the regular Citi Dividend Card. You earn 5% rebate for purchases at standalone supermarkets, gas stations and drugstores and the usual 1% rebate for other purchases. This is probably the best cash rebate credit card for students.

Discover Student Cards

Discover also has student credit cards that have great shopping rewards. With Discover cards, you earn cash rebates which you can double in value if you exchange them for gift certificates of merchant partners. You can also earn 5% rebates from various partner merchants. Discover cardholders can also shop online via "SHOP DISCOVER" and get discounts when using their card for online purchases from merchant partners.

Chase Student Cards

Chase has a couple of student credit cards like the Chase Flexible Rewards and Universal Entertainment Mastercard. They are also the largest student credit card issuer and they administer most of the college student credit cards for Colleges. (these though are basic cards with no rewards).


Most student credit cards have standard apr - prime rate plus 9.99% and almost all have a 0% apr on balance transfers for six months. Since you have just got your ss, this should not be a factor in your decision.

FWIW - take a look at the Citi Student credit cards. I think they are the better ones to look at.

Answer 4

I know many people that have found so much debt in college that it has forced them to put college on the back burner.

credit cards make college easier, artificially easy. anyone can fall into that trap.

if you need a credit card, get one with a rewards program. spend $100 and get $3 back, or whatever.. and remember to shop around.

Google "credit card cash back"

Answer 5

Those credit cards are tempting but read the fine print. They offer a low percentage rate the first six months,then sock it to you afterwards with 18-24 percent.

Answer 6

Stay away from credit cards try and build your credit another way,maybe by getting a loan and pay it back. But if you do get a card, try and get just one.

Answer 7

You can try to get Citi's student cards. Dividend PS and mtvU is great with rewards.

You might try Amex Blue for students, but I've heard Amex is getting a bit more stingy on approvals.

Answer 8

Visa or Mastercard seem to be the most widely accepted. But charge rates per offering partner (For example, Citibank VISA and Chase Manhattan Mastercard would probably have different rates and policies) vary so choose wisely.

Answer 9

You should not get a credit card unless you know what you're doing. Since you asked this question, you shouldn't get one.

Answer 10

Check out this website:

http://www.creditcards.com/

You can compare credit cards and their offers side-by-side.