| Choosing the best student credit card | | | | As long as you're swiping that credit card, |
| certainly doesn't have to be a complicated | | | | you might as well get some payback for it, |
| process. Sure, there are a few things every | | | | right? Well that's exactly what you can |
| applicant should keep in mind, but most of | | | | expect with the best student credit cards - |
| the credit card offers made available to | | | | those that offer rewards programs. Look for |
| college students these days are pretty | | | | rewards that best suit your own needs. |
| decent. So how do you choose the best | | | | Common credit card rewards give you a |
| student credit card? | | | | percentage of each and every purchase back in |
| | | | the form of cash, airline miles, gas rebates, |
| It's not all About Free T-Shirts! | | | | or other desirable merchandise. Those |
| | | | rewards really add up fast for typical |
| If you take one thing away from reading this | | | | students who purchase college books and pay |
| article, please make it this piece of advice | | | | for other school related expenses with their |
| - don't choose a student credit card solely | | | | student rewards credit card. |
| on fact that they're giving away a free | | | | |
| t-shirt or other trinket to those that sign | | | | Avoid the Annual Fee. |
| up. That's a really major "gotcha" right | | | | |
| there. The key to choosing the best student | | | | Charging annual fees is a fairly common |
| credit card is actually comparing several | | | | practice for credit cards geared towards |
| good deals side by side in order to make the | | | | students. If you're getting good rewards and |
| most educated decision on what is best for | | | | a decent interest rate, there's not much |
| you and your finances. Signing up for any | | | | shame in paying a minimal annual fee (such as |
| old card because of a silly freebee just | | | | $20 per year). But do read the fine print |
| won't do. | | | | first and avoid cards that charge excessive |
| | | | annual fees just to be a cardholder. You can |
| Investigate the Interest Rate. | | | | do better. Credit card companies are always |
| | | | looking to attract lifelong customers from |
| Hopefully, you'll be able to pay off the | | | | the student demographic group. The very best |
| balance in full every month on your new | | | | student credit cards appreciate this fact and |
| student credit card. If this is the case, | | | | will have no annual fee at all. |
| you'll never need to even worry about the | | | | |
| interest rate. But in the real world, the | | | | So rest assured, you'll find the perfect card |
| notion of never carrying a balance is sort of | | | | to fit all of your needs in little or no time |
| unrealistic. Average student cards | | | | at all. Just do the research and comparisons |
| frequently come with high APR's in the 20 | | | | and you'll be well on your way to choosing |
| percent plus range - that's a real ouch | | | | the best student credit card possible! |
| factor. If you expect to carry a balance | | | | |
| from time to time, know the best student | | | | Find the best college student credit card |
| credit cards will beat that interest rate | | | | application at CollegeStudentCreditCards.net |
| substantially. | | | | Also earn free flights with airline miles |
| | | | credit cards or get free gas with gas credit |
| Rewards are a Great Bonus. | | | | cards. |
| | | | |