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Cheap-Textbooks.com™Free Student Credit CardsThere are a number of companies offering college free student credit cards. Credit cards for students offer some unique benefits including Visa student credit cards. Browse below for some of the most popular credit cards for college students. |
Discover® Student Card
Sign up for a Discover® Student Card today and be a part of America’s #1 Credit Card Rewards
program. Apply Now!
- Earn more cash in more ways 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
Chase Freedom(SM)
FINDING YOUR STYLE ISN'T EASY, CHOOSING YOUR REWARDS IS.
Every purchase on your card earns you cash back with the Chase Freedom Rewards Card.
When you buy your clothes, gear and tunes why not choose to reward yourself?
Save with low introductory rates, get great cardmember benefits, and establish your credit history at the same time.
- 3% Bonus cash back on gas, groceries and fast food purchases for the first six months*
- 1% Unlimited cash back on everything else. No cap. No expiration.*
- 0% Intro APR on purchases only for up to 12 months.*
- No annual fee
Wired
Plastic™ Prepaid Student Visa® Card
The Wired Plastic™ Prepaid Visa® Card gives you the simplicity
and the convenience you need to manage your finances. Wired Plastic is
more than just a card - it's a full service account that takes care of
all of your financial needs in just one place.
- Free direct deposit – make payday faster, safer and more convenient
- Integrated bill payment – pay any bill online or over the phone, even if your biller doesn’t accept Visa.
- Access to checks – send a check to anyone directly from your account
- Access to cash – withdraw money at millions of ATM machines worldwide
- Add cash instantly – with over 50,000 convenient retail locations and a variety of other ways to add money to your account, adding cash is quick and simple
- More money in your pocket – no overdraft or bounced check fees, EVER
- No hassle – no ChexSystems checks or no minimum balance requirements
New Millennium Bank Secured Gold Visa® or Mastercard®
New Millennium Bank is now offering secured Gold Visa® and Gold MasterCard® credit cards for those individuals wishing to establish or repair their credit. With credit lines secured by their savings account in amounts between $300.00 and $5,000.00, these cards can be used just as you would any credit card at over 10 million establishments worldwide. People CAN apply to get both cards and they can even add a co-applicant name and get additional cards. Apply Now!
- Approved regardless of credit history
- Credit limits up to $10,000*
- Reports to all 3 bureaus
- Get cash at over 740,000 ATMs
- No credit check
Avoiding College Credit Card Traps by James Dimmitt
Congratulations college freshman! You're about to embark on one of
the most exciting times of your life. By now your parents, siblings,
and friends have offered you all kinds of advice on how to make your
transition to college smoother - how to get along with your roommate,
what classes to take and which ones to avoid, where to find the best
off-campus food, and how to stay safe on campus.
One thing they may have not warned you about is how quickly you'll be bombarded
with credit card offers. You'll find them in your textbooks, in your mailbox,
and on every campus bulletin board. You'll be offered free DVD's, t-shirts,
music downloads, and more in return for completing an application for credit.
Why all this fuss over you for a stupid piece of plastic? Because they love
to recruit new borrowers, especially in your age bracket. They know, from
numerous studies, that college students tend to be impulse buyers. And even
though your impulse purchases tend to be small - pizza, coffee, beer, CD's,
cigarettes, books, etc. - those small purchases can add up quickly.
Fifty-four percent of freshman students and 92 percent of sophomores have
at least one credit card. A recent study shows the average college student
graduates with between $1,500 - $3,000 in credit card debt.
Here are 7 tips to help you manage your college credit card needs:
1) Look for a card with the lowest fixed percentage rate and a low or no
annual fee. Read the fine print carefully - many low or 0% introductory rate
offers expire in 6-12 months.
2) NEVER use your credit card for a cash advance. The fees and repayment
structure associated with a cash advance are outrageous.
3) Have a budget! Your credit card is not free money. Budget your money so
that you can pay off your balance at the end of each month. If you can't
pay off the balance, always make more than just the minimum payment.
4) Pay your bills on time, otherwise you'll pay a late fee between $25-40
every time your late with a payment. Late payments will also increase your
chances of having your percentage rate raised on ALL your credit accounts.
5) Request a low credit limit somewhere between $700-$1,500. The object is
to have credit available to meet some of your expenses and in case of an
emergency.
6) Less is better. You don't need more than one or two cards at the most.
The more you have the more tempted you'll be to use them or to "max" them
out.
7) Consider using a debit card instead. A debit card is linked to your checking
account and purchases are automatically deducted from your account balance.
Of course, make sure you have money in your account to cover any purchases
you make.
Using a credit card is a big responsibility whether you're a college student
or an adult. Managing your credit wisely establishes a positive credit history
which will serve you now and well into the future.
Copyright 2005, http://www.yourfreecreditreportnow.com
About the Author
James is editor of "TO YOUR CREDIT", a free weekly newsletter with tips to help you manage your personal finances. Subscribe today and receive his e-book "IDENTITY THEFT- How To Avoid Becoming the Next Victim!" and other bonuses by visiting http://www.yourfreecreditreportnow.com
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