Getting a student credit card while in college is the first step to start building your credit history. In fact, it's the easiest time to get a new credit card. Credit card companies offer all sorts of incentives on campus when you apply - such free-shirts and mugs. However, these shouldn't be the only reasons to apply for a student credit card. Look for cash back or reward points. You are going to use the card anyway, why earn something back?

Besides building a strong credit, you can take advantages of many perks offered by student credit cards. Pay your textbooks, school supplies, and campus meals with a credit card and earn cash back or reward points. Some cards even reward you points for maintaining a good GPA and paying on time. Although the credit may be low - typically $500 to start with, and you can't use it to buy big items like a premium laptop or HDTV, you can still use it to buy stuff like coffee and notebooks. Every little thing adds up. By the end of the semester you will be surprised how much you have earned.

Credit cards are for college students are very easy to qualify because credit card companies don't expect you to have income until you graduate from college. So credit lines are limited, although you can ask for an increase after being a card member for a year. The introductory apr on college student credit cards can be as low as 0% for up to 6 months (good enough to cover the entire semester's expenses). However, once the promo period ends you can be hit with 12.99 apr or higher. Be sure to pay off the balance by then. Since most of the student credit cards now carry cash back or reward points programs. Pay your tuition bills and supplies with these credit cards then pay the full balance each month. You will earn A+ credit in no time.

Citi® mtvU™ Platinum Select® Visa® Card for College Students   0% APR* on purchases and balance transfers for 6 months Earn 5 ThankYou Points® for every dollar you spend at restaurants, bookstores, record stores, movie theaters and video rental stores Earn 1 ThankYou Point for every dollar you spend on all other purchases Earn 25 ThankYou Points every month when you pay on time and don't go over your credit limit Earn up to 2000 ThankYou Points twice a year for maintaining a good GPA Redeem points for gift cards, travel, electronics, music, and more No Annual Fee Intro APR Intro Period APR Annual Fee Balance Transfer Link to Offer 0% APR for 6 Months 17.24% $0 Yes Learn More

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Discover® Student Card   More Ways to Earn More Cash than Anyone Else(SM)* Unlimited Cash Rewards, Automatically Up to 20% Cashback Bonus® When You Shop Online* Double Rewards with More than 100 Cashback Bonus® Partners* Customer Service in Less than a Minute, Anytime You Want *View Discover® Card Rates, Fees, Rewards, and Other Important Information Intro APR Intro Period APR Annual Fee Balance Transfer Link to Offer 0% Interest* for 6 Months 14.99% $0 No Learn More

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