Student Credit Card

First of all, no one is telling you to cut up your plastic and return to the stone age. Credit cards are an indisputable fact of college life and there are many good reasons to have one. Credit cards give you protection for your purchases, allow you to shop online, and provide a cushion in case of emergencies. If you don't already have a card, you'll have plenty of opportunities to apply for one once you hit campus. Many credit card companies set up booths and tables at the beginning of the semester, offering sign-up incentives such as t-shirts or water bottles.
But before you sign on the dotted line, keep these facts in mind :

There are very few credit cards available that are specifically designed for students, but there are a number of credit card companies that offer their regular cards to students; both graduates and undergraduates, and we have listed them all below.As long as you are at least 18 you can apply for any of the visa credit cards detailed.Your credit card application will still be subject to the issuer's usual acceptance criteria, but at least you won't be wasting your time applying for a card you have no hope of being accepted for, and potentially damaging your credit rating!

Student credit cards are a great way to establish your credit history. You are studying hard at school to gain the skills necessary for a successful career. After graduation you will find a great job and want to make some large purchases that require financing. Without a previous credit history, you may not qualify for a car loan or a mortgage. A student charge card make it possible for you to establish your credit history while you are still studying so that when you land your dream job you can qualify for more credit such as a car loan or mortgage.

Credit Cards Are Not "Free Money"

In fact, they're really high interest loans in disguise. Here's a breakdown of some typical credit card fees:

Finance charge
This is an interest charge (can be as high as 20 percent) on the unpaid portion of your bill each month

Annual fee
Some companies charge yearly membership fees of anywhere from $20 to $100 Cash advance fee

Avoid cash advances -- fees are steep, and interest rates are usually higher Late payment fee
Paying late can also result in hiked interest rates, Carrying a Balance Can Be Costly. Not paying off the entire amount in your account each month can lead to big finance charges.

Featured Student credit card

Student Credit Card -Gold fish credit card
0% interest on transferred balance* for 6 months after your account is opened. Typical 14.9%APR variable on transactions.

Student Credit Card -Scottish widows credit card
0% on balance transfers for 6 months (13.9% typical APR).
Adjust your interest rate and Cash back.
Up to 0.5% Cash back on every card purchase.
Online or offline account management.

Student Credit Card -Accucard credit card
0% on balance transfers for 6 months
(typical APR 13.9% variable)
earn up to 0.5% Cash Back
free purchase & travel accident insurance
smart chip security and more

Student Credit Card -Egg credit card
0% interest on new purchases until 1 July 2005.Then at 14.9% pa (variable).

Student Credit Card -Citi credit card
Request your Citi Platinum Visa Card today and you won't have to pay any interest for six months* on purchases and balance transfers. And if that's not enough don't forget that there is no annual fee and a typical 14.9% APR (variable) on purchases, 14.0% per annum on balance transfers and 16.6% per annum on cash advances.

Student Credit Card -Natwest credit card
With natwest credit card you have a Typical 18.4% APR (Variable) 0% interest on purchases for six months from account opening 5.8% p.a. on balance transfers, fixed until the balance is cleared.