Student Credit Cards
These credit cards are for a high school or college student. These cards help students build their own credit history and most have relatively low credit limits. Most student cards have some reward feature for everyday purchases. Our objective opinion is included on each card.
1. Citi Forward® Card for College Students
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| Interest Rate: | 17.24% Variable* |
|---|---|
| Intro Rate: | 0% APR for 7 Months |
| Grace Period: | 20 Days (Min.) |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: Introductory rate is available on purchases.
Our Opinion: Rewards students for staying within their credit limit and paying on time. If you stay within your credit limit and pay on time, you will receive 100 bonus points per billing period and a possible reduction in your interest rates. Rate reductions occur at a rate of .25% after three months in a row of staying within the limit and paying on time. You could receive up to 8 reductions, for a 2% total reduction. Get 2,500 bonus points when you sign up for paperless statements within the first three months of opening the account. Receive 3,500 bonus points when they make their first $250 in purchases within the first three months. Receive 5 points per $1 spent at movie theaters, restaurants, book stores, and video rental stores. Receive $1 spent on all other purchases. Points can be redeemed through the Thank You network for cash, gift cards, electronics, music, and more. This card is a good choice if you pay off your balance each month.
2. Citi® mtvU™ Platinum Select® Visa® Card for College Students
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| Interest Rate: | As low as 17.24% Variable* |
|---|---|
| Intro Rate: | 0% APR for 7 months if you qualify |
| Grace Period: | 20 Days (Min.) |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: The introductory rate will be 0% APR on Purchases for 7 months, if you qualify, based on your application and credit history.
Our Opinion: This is a good choice if you pay off your card each month and use the reward program. Earn 1 point per $1 for general purchases and 5 points per $1 spent on purchases made on entertainment such as dining, bookstores, music stores, videos and movies. Receive 2,000 Thank You Points twice a year for maintaining good grades. Receive 25 Thank You Points every month for payments made on time and remaining under the credit limit. Redeem points for tickets to the MTV VMA's, gift certificates, CDs, airline tickets, or a VIP pass for mtvU Spring Break. Earn up to 75,000 points per year. Receive 10% purchase discounts at the online MTV store the MTV store in New York City.
3. Discover® Open Road(SM) Card for Students
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| Interest Rate: | 14.99%* |
|---|---|
| Intro Rate: | 0% Interest* for 6 Months |
| Grace Period: | 25 Days (Min.) |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: There is a 0% introductory APR* on purchases for 6 months. See terms and conditions for complete details.
Our Opinion: Created for students who want to earn cash rewards for gas and auto maintenance. Earn 5% in cash rebates on the first $100 spent on gas and auto maintenance purchases (up to $1,200 each year). Cardholders earn up to 1% for general purchases. Receive 1% unlimited Cashback Bonus on all purchases after total annual purchases exceed $3,000. Purchases under the first $3,00 will earn .25%. Redeem rewards in $20 increments. Earn a double Cashback Bonus® by redeeming rebates for gift certificates from participating Discover® Card Partners. Earn unlimited rebates. Rebates do not expire if the account is active within a 36-month period. Standard benefits for account management and unauthorized transactions. This card will benefit those who will use their Cashback Bonus® award at participating retailers (to maximize the rebates) and who will pay their balance in full each month.
