The 3 Best Student Credit Cards – Which Student Credit Card To Get?

Student credit cards are designed for US college students over the age of 18, and are, in my opinion, something that each college student should have so that they can start building up a credit history and have a good credit score by the time they graduate (which is essential for employment checks, housing rental, and mortgage loans). A credit card will also come in handy when paying for everyday expenses such as groceries and utilities. What I like most about student cards is that many of them offer a rewards system and additional incentives when students get good grades and pay their bills on time. Some cards even offer a points system that gives you points for every dollar you spend. You can even find some student cards that offer 0% introductory APR (annual percentage rate) on purchases, which lets you hold a balance from one month to the other without incurring interest for a predetermined period of time.
To help you choose the right student credit card for yourself, I have put together a list of the best student credit cards available in the US market right now. All the cards below have no annual fee.
Discover It Student Card. This cash back card, issued by Discover Financial (NYSE:DFS), gives you 5% cash back on rotating categories that change every three months, such as gas, dining, movies and more. Earn 1% cash back on all your purchases. Enjoy 0% intro APR on purchases for the first 6 months, 12.99%-21.99% standard variable APR thereafter. This student card has even made it to our list of Best Credit Cards 2013. Choose your card design from hundreds of designs. Read our review of Discover Student Card here.

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Citi Forward Card for College Students. This rewards card issued by Citi (NYSE:C) gives you 2,500 bonus points when you spend $500 within the first 3 months of card membership. You will also earn additional points for every dollar you spend on restaurants, book stores, video rental stores, movie theaters and record stores. Earn 1 point for every dollar you spend on other purchases. Receive 100 points each month that you stay within your credit limit and pay your bills on time. Enjoy 0% intro APR on purchases for the first 7 months. After this introductory APR period your APR will be 13.99%-23.99% depending on your creditworthiness. Read our review of Citi Forward Card for College Students here.

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Citi Dividend Card for College Students. Earn 5% bonus cash back from Citi in quarterly categories with previous enrollment. Free enrollment each quarter for new categories that earn additional cash back. Earn a full 1% cash back on all other purchases. No Annual Fee and no co-signer required. Enjoy 0% intro APR on purchases for the first 7 months, and 13.99%-23.99% APR after that. Read our review of Citi Dividend Card for College Students here.

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Best Student Credit Card Tips
Student credit cards are a great way for you to build good credit, which will be very important for you in the near future when you want to get a mortgage or loan. Apart from building a good credit history, having a student credit card will give you access to a line of credit and cash, as well as help you earn rewards or cash back when you make purchases.
Some student cards reward you if you have a good GPA and pay your bills on time and most cards give you between 1%-5% cash back when you make purchases with the card. Remember to always read the terms and conditions of the cards you’re comparing in order to find the one that will give you the most rewards on the things you spend more money on. Remember to always look for the card that offers the most exciting rewards.
Many credit cards for students offer a 0% introductory APR for purchases, which is something you should keep in mind when looking for a credit card and planning on holding a balance. Remember that this introductory interest rate expires after a number of months, after which you will have to pay a highinterest rate starting from 12.99% or more. So you shouldn’t use your card as a supplemental student loan.
If you are careful, your student credit card will be a huge advantage to you, now and in later life.
source : http://www.dailymarkets.com/student-credit-cards/