Compare student credit cards and other credit based items such as student loans - Students: apply online fast with a credit card company of your choosing when you feel you are educated and ready. A college credit card can be a student's first step in building good credit
A student's first step in obtaining a credit card is to become educated about wise credit usage.

Student Credit presents helpful information and numerous card choices. Our web site offers a blog discussing ways to positively use credit while in college, including credit insight, common mistakes to avoid as well as additional info and articles which help parents and students find a credit card right for their own needs. SCC provides an objective guide to student credit cards for college and high school. Once you decide you are ready to apply for credit, please take your time, compare all credit card offers, companies and designs and learn the basics of good spending.

The proper credit card usage begins with following through on implementing and following through on a budget which is planned by the college student, parent or financial advisers. Credit planning is relatively easy but some students find it hard to actually execute the budget they set forth. It does require some self discipline to make sure their financial planning is followed through with. One's budget needs to be a realistic one they can live with. A tip: when you plan your credit budget, use real life financials when it comes to ALL the expenses you have each month and the spending habits you know you have. A smart budget can help in planning and paying for expenses each month.
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If executed properly a good budget may assist a college student with paying bills before the due date. Common goals of budgets are to pay in full the debt accrued on their credit card each month... not just paying off the interest. This is a potential way to help increase one's FICO score, but certain students experience difficulty with paying off their entire balance each month. Some credit counseling services teach proper usage of credit cards.

Derogatory credit profiles can create a negative effect on a person's future ability to purchase items such as homes and cars. It's never too late increase one's credit score, however the later one tries the more difficult it will be.

The top student credit cards are the cards which adequately meet the needs of a college student. Almost any credit card may be used along with student loans to cover school expenses. If college students pay off credit card balances in full each month, it just might increase credit scores over a period of time, but only if this pattern is consistently done.

All college students, There is still time  to apply for a credit card. On February 22, 2010 credit card companies will be restricted from direct mailing of credit card applications to a student. There will be more oversight and transparency for universities which do legally work with and receive large bounties from the top credit card companies. Furthermore, starting February 22, 2010 all students under the age of 21 will have to have a credit worthy co-signer OR the student must provide proof of income from their employer of from independent sources.usage and

Many experts are indicating that prepaid debit card and prepaid credit card usage is increasing, while there is also an increase in applicants for these cards and after February 22, 2010 the prepaid cards are positioned to potentially become a new norm. UPDATE: ...but maybe not as persons under 21 may possibly qualify for a student credit card with proof of income and/or a cosigner. Each person's situation is different, but students are still getting credit cards.


July 2013 Student Credit Cards Available Right Now:

Discover it® for Students


  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. No late fee on your first late payment. And paying late won't increase your APR.*
  • Generous. 5% cash back on up to $1,500 in Restaurant and Movie purchases from January through March 2014 with free and easy sign-up. And 1% cash back on all other purchases.*
  • Human. Talk to a real person any time with 100% U.S.-based service.
  • Safe. Because you're never responsible for unauthorized purchases with our $0 Fraud Liability Guarantee.
  • 0% intro APR* on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99%.
  • *Click "Apply" to see rates, rewards and other information.
Disclaimer :: See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Here" button, you can review the credit card terms and conditions on the issuers website.


Welcome to Student Credit Consider the following student credit cards available for college students and non-students and under 21. Find first time credit cards, credit card deals featuring rewards, points and more.


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A student credit card brings newfound freedom, but it also brings new responsibility.

It is the college student's responsibility to maintain good standing with your credit card company by paying your bill on time (as well as making much more than the minimum payment). If you feel you are in over your head in debt, an easy way to determine this is to examine your spending habits. Five credit overspending signs include:

1) Usually paying only the minimum payment required.
2) Making a late payment more than once.
3) Meeting and exceeding your credit limit.
4) Using one card to pay monies due on another credit card you have.
5) Studying less but working more to pay for expenses on your student credit card.

A student with multiple student credit cards might find the assistance of a credit counselor useful and helpful if the student has overextended themselves with credit and now have have gotten themselves into trouble with their finances.

Some advice for any student starting out in the world is to protect their credit score at all times. Student credit cards can be a benefit any also a major headache depending on how the credit cards are used. Responsible spenders never use in excess of 50 percent of a credit line, making all payments on time, and paying more than the minimum payment ever single month.

Student Credit Card Registration Services
Student credit card protection has become very popular with today's online generation of college students. Certain student credit cards comes with built in protection, but some students turn to credit card protection and registration services.

Students that register credit cards in protecting service programs often get unique advantages if their credit card is stolen or misplaced. By calling the protection plan's toll free number, the credit cards that are registered may be conveniently cancelled then the credit card companies are immediately notified. Also, some registration services offer college students protection from unauthorized charges accrued if a stolen student credit card is charged. These registration companies will quickly contact the student credit card companies immediately to report credit cards: lost or stolen. Under the Fair Credit Billing Act, a credit card holder is responsible for up to $50 of fraudulent charges. The top credit card labels: American Express, Visa, and MasterCard offer liability policies which provide total reimbursement for any charges which are illegal.
Side Note:
First, a student must apply for a student credit card before worrying about card 'registration' services.

It is noteworthy that sometimes student credit card registration services come with that credit card companies do not. An example is that a student may use their registration service to initiate a change of address on every card they carry.

Note that not students enroll in the said registration services. In fact many college students have only one credit card and contact them directly with any issues. It's wise to keep a copy of your billing statement in a safe place as your account number and the credit card company's toll free number are listed on it and you'll need this information if your student credit card is lost or stolen. Are you a student who needs to learn more about how to properly use credit? Read our student credit card articles:


The Sallie Mae Credit Card

The new Sallie Mae MasterCard is ideal for College Students with an established, healthy credit profile; specifically students who have borrowed a Sallie Mae student loan. This credit card allows you to earn cash back to help pay down your eligible Sallie Mae student loan (terms and conditions apply.) Earn up to Cash Back on...

How the 2009 CARD ACT Affects College Students in 2012

The Credit CARD Act of 2009 brought about a number of changes in how credit card companies can conduct business properly. A number of these changes, including the ability to apply for and receive a credit card, directly affect college students now in 2012. Pre-paid debit card companies are taking advantage of the “gaps” left...

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