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December 17, 2023

How To Choose The Best Student Credit Card?

Discover how to select the ideal student credit card with tips on APR, credit limits, fees, rewards, and security. Find the perfect fit for your financial needs with personalized guidance from Bright Money, ensuring a well-informed decision tailored to your unique circumstances.

For many college students, a credit card serves as both a financial tool and an introduction to responsible money management. A study reported that about 40% of college students had at least one credit card, with the average number of cards being around two per student. However, with the plethora of options available, selecting the right student credit card can be a daunting task. 

But before we get into the topic, it is recommended to first read about how a Credit Card works in detail by Bright Money!

This guide aims to demystify the process and provide insights into the key factors to consider when choosing a student credit card.

How To Choose The Best Student Credit Card?

To choose the best student credit card, prioritize a lower APR, a reasonable credit limit, minimal fees, and rewards that match your lifestyle. Consider credit-building opportunities, understand introductory offers, and prioritize online access and robust security features. Research customer service reputation and opt for issuers providing educational resources. 

Bright Plan by Bright Money assists students in this process by offering personalized financial guidance, analyzing spending habits, and recommending credit cards that align with individual financial goals, making the selection process more informed and tailored to their unique needs.

Key Factors to Consider

1. Annual Percentage Rate (APR):

Understanding the Annual Percentage Rate (APR) is crucial when choosing a student credit card. The APR is essentially the cost of borrowing money on an annual basis, encompassing both interest rates and additional fees. A lower APR means lower overall costs if you carry some balance on your card.

When evaluating APR, it's important to distinguish between introductory rates and standard rates. Some cards may offer a 0% APR for an initial period, which can be advantageous for avoiding interest charges. However, be aware of how long the introductory period lasts and what the standard APR will be once it concludes.

Example: Sarah chose a student credit card with a 0% APR for the first 12 months. After the introductory period, the standard APR would be 15.99%. She plans to pay off her balance within the introductory period to avoid accumulating interest charges.

2. Credit Limit:

The maximum amount you may borrow on your credit card is the credit limit. At first, It might be difficult for students new to credit to get a large credit limit. Choosing a credit card with a credit limit that fits your spending patterns and financial obligations is crucial. According to a report, the total outstanding card balances for individuals aged 18 to 29 was approximately $61 billion.

Example: Michael opted for a student credit card with a conservative $500 credit limit. He understands his spending habits and wants to avoid the temptation of overspending. He plans to use the card responsibly to build his credit history gradually.

3. Fees:

Understanding the various fees associated with a card is paramount in making an informed decision. Common fees include annual fees, late payment fees, and cash advance fees.

Annual fees are charged yearly for the privilege of having the card. Some student credit cards, however, come with no annual fees, making them more suitable for those on a tight budget.

Example: Emily chose a student credit card with no annual fee to keep her expenses low. She's committed to making timely payments to avoid late payment fees and plans to avoid cash advances to sidestep high cash advance fees.

4. Rewards and Incentives:

Many credit card issuers offer rewards programs to attract students. These programs can include cash back, travel rewards, or points redeemed for many benefits. When choosing a student card, carefully evaluate the rewards structure and select a card that aligns with your spending preferences and lifestyle.

Example: Alex chose a student credit card offering 2% cash back on grocery purchases, aligning with his spending habits as a student living off-campus. He plans to maximize these rewards by using the card for his routine grocery shopping.

5. Credit Building Opportunities:

Students can use credit cards as a useful tool to establish credit history. Selecting a credit card that notifies the main credit agencies of your credit activity is important. Over time, good credit behavior can raise your credit score. Examples include paying your bills on time and maintaining low credit use.

Example: Jason chose a student credit card known for reporting credit activity to major credit bureaus. He plans to use the card responsibly, making timely payments and keeping a low balance to build a strong credit history for future financial milestones.

6. Introductory Offers:

Introductory offers can be enticing perks some cards offer, such as a 0% APR for the first few months or bonus rewards. While these offers can provide immediate benefits, it's essential to understand the terms and conditions fully. The 0% APR may only apply to certain types of transactions or have a limited duration. It's essential to be aware that the interest rate may increase significantly after the introductory period. Before choosing a card based on its introductory offer, carefully consider your long-term financial habits and whether the benefits outweigh the potential downsides.

Example: David opted for a student credit card with a 0% APR for the first 15 months. He plans to use this period to pay off a large purchase without accruing any interest. However, he's aware that the APR will revert to a standard rate of 18.99% after the introductory period ends, so he plans to clear the balance before the period ends.

7. Online and Mobile Access:

In the digital age, having convenient access to account information is crucial for managing your finances effectively. When choosing a student credit card, opt for one with user-friendly online and mobile platforms. These platforms should allow you to monitor your transactions in real-time, track your spending patterns, and make payments seamlessly.

Example: Maria chose a student credit card with a mobile app that allows her to track her spending in various categories. She sets up personalized alerts for every transaction, helping her monitor her expenses and stay within her budget while studying abroad.

8. Security Features:

Ensuring the security of your financial information should be a top priority when choosing a student credit card. Look for cards that offer robust security features, like fraud protection and the ability to freeze the card if it's lost or stolen.

Example: Jack selected a student credit card known for its robust security features. He appreciates the real-time transaction monitoring, which alerted him to a potentially fraudulent transaction. He immediately froze the card through the app and contacted customer service to resolve the issue.

9. Customer Service:

Good customer service is invaluable, especially when issues or questions arise. Before committing to a student credit card, research the reputation of the credit card issuer for responsiveness, helpfulness, and clarity in communication.

Example: Sophie researched and found a student credit card issuer renowned for its exceptional customer service. When she encountered a discrepancy in her statement, the customer service team promptly investigated and resolved the issue, leaving her impressed with their efficiency and responsiveness.

10. Educational Resources:

As a student, you might be navigating the complexities of credit for the first time. Choose a credit card issuer that provides educational resources to help you in making informed financial decisions. Look for budgeting tools, financial literacy resources, and responsible credit card use tips.

Example: Luke opted for a student credit card issuer that offered financial literacy tools. He regularly utilizes their budgeting resources, which have helped him manage his expenses better and build a solid understanding of responsible credit card usage.

Conclusion

Selecting the right student credit card requires careful consideration of various factors, including interest rates, fees, rewards, and credit-building opportunities. It's essential to align the card's features with your financial goals and spending habits. By making an informed decision, you can use a student credit card as a stepping stone to financial responsibility and establish a positive credit history. Remember to regularly review your financial situation and update your credit card choice as your needs evolve.

Recommended Reads: Should I Pay Down Debt Before Saving Money?

How To Improve Your Personal Loan Eligibility?

FAQs

1. What factors should I consider when choosing a student credit card?

When selecting a student credit card, it's essential to consider factors such as the Annual Percentage Rate (APR), credit limit, fees, rewards and incentives, credit-building opportunities, and the availability of introductory offers. 

2. How does the credit limit on a student credit card work, and how should I determine an appropriate limit for my situation?

The credit limit represents the maximum amount you can borrow on your card. As a student, you may not qualify for a high limit initially. Choosing a card with a credit limit that aligns with your spending habits and financial responsibilities is crucial. 

3. What are the potential fees associated with student credit cards, and how can I minimize these fees?

Student cards may come with various fees, including annual fees, late payment fees, and cash advance fees. It's important to be aware of these fees and choose a card with favorable terms. 

4. How do introductory offers impact the choice of a student credit card, and what should I be cautious about?

Some student cards offer introductory offers, such as 0% APR for an initial period or bonus rewards. While these offers can be attractive, it's crucial to understand the terms and conditions. 

References

https://go.gale.com/ps/i.do?id=GALE%7CA248733618&sid=googleScholar&v=2.1&it=r&linkaccess=abs&issn=01463934&p=AONE&sw=w

https://www.newyorkfed.org/medialibrary/interactives/householdcredit/data/pdf/HHDC_2022Q4

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This is some text inside of a div block.
This is some text inside of a div block.

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Credit
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.

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Credit
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This is some text inside of a div block.
This is some text inside of a div block.
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This is some text inside of a div block.

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Credit
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Credit
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Credit
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This is some text inside of a div block.
This is some text inside of a div block.
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Credit
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This is some text inside of a div block.
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This is some text inside of a div block.
This is some text inside of a div block.

Heading

Credit
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
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This is some text inside of a div block.

Heading

Credit
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This is some text inside of a div block.
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This is some text inside of a div block.
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This is some text inside of a div block.
This is some text inside of a div block.
This is some text inside of a div block.
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