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You are now leaving the Bright website and entering a third-party website. Bright has no control over the content, products or services offered nor the security or privacy of information transmitted to others via their website. We recommend that you review the privacy policy of the site you are entering. Bright does not guarantee or endorse the products, information, or recommendations provided on any third-party website.

You are now leaving the Bright website and entering a third-party website. Bright has no control over the content, products or services offered nor the security or privacy of information transmitted to others via their website. We recommend that you review the privacy policy of the site you are entering. Bright does not guarantee or endorse the products, information, or recommendations provided on any third-party website.

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December 17, 2023

What is a good Student Credit Card?

Get to know about student credit cards, understand eligibility criteria, and discover the art of responsible debt management.

Introduction

Student credit cards share similarities with regular credit cards but come with a student-centric approach. The term "student" credit card is somewhat nostalgic, harking back to when credit cards were handed out to students without stringent regulations. However, recent regulations prioritize consumer protection, making the approval process more stringent.

In this guide, we'll unravel what is a good student credit card, explore its eligibility, guide you through selecting the best one for your needs, and learn how to pay off credit card debt responsibly.

Taking control of your finances has never been easier with the Bright Money app. Bright Money's app can help you develop a financial plan if you want to pay off debt or save.

Read more: What is a good credit score for a college student?

What is a Student Credit Card?

Student credit cards, at their core, resemble traditional credit cards. They require a credit history check and proof of income and may necessitate a co-signer for applicants under 21 without a full-time income. Despite the name, these cards aren't exclusive to students and follow the same approval process as regular cards. Student credit cards cater to the younger demographic and often come with safety-net features like a low credit limit until you prove your ability to pay balances, a higher-than-average variable annual percentage rate due to a limited credit score, and incentives for good grades, such as cashback or a higher credit limit.

What Are the Eligibility Criteria for a Student Credit Card?

Student credit cards are designed for individuals aged 18-21 with limited or no credit history. Before the Credit Card Act of 2009, credit card companies targeted students as young as 17, but now, applicants under 21 must provide proof of independent income or find a co-signer. Income requirements typically involve part-time or full-time employment. Additionally, having a U.S. Social Security number or an Individual Taxpayer Identification Number is typically necessary.[1][2]

Discover the Bright Money app if you're looking for expert advice and a comprehensive approach to financial management.

How to Pick a Good Student Credit Card?

Finding the right credit card involves a combination of art and science. No single card suits everyone, but by evaluating your options and asking pertinent questions, you can identify a card that aligns with your spending habits and credit situation.

  1. Check Your Credit: Begin by assessing your credit score, as it influences the cards for which you're eligible.
  2. Identify Your Credit Card Needs: Determine the type of credit card that suits your requirements. Three general categories include cards for improving limited or damaged credit, cards saving on interest, and cards earning rewards.
  3. Ask the Right Questions: Use comparison tools to narrow down your options, considering your credit score and monthly spending. 
  4. Apply for the Highest Overall Value: After narrowing your choices, apply for the card offering the highest overall value.

Read more: How to choose the right credit card for you?

What Are the Features of a Good Student Credit Card?

Choosing the right student credit card involves considering features that align with your financial goals and habits. Here are some key features to look for:

  • No Annual Fee: With students' financial limitations, a good student credit card shouldn't burden you with an annual fee. 
  • Reporting to All Three Credit Bureaus: Your student credit card should report your activity to all three major credit bureaus (TransUnion, Equifax, and Experian). This reporting is essential for building and improving your credit history, which is crucial for future financial opportunities.
  • No Foreign Transaction Fees: A card without foreign transaction fees is essential for students interested in studying abroad or traveling internationally. These fees, usually 1% to 3% of the transaction, can add up quickly, impacting your budget.[3]
  • Credit-Monitoring Tools: These tools can help you track your credit improvement with each on-time payment, providing valuable insights into your financial health.

Read more: How many credit cards should I have?

How to Use a Student Credit Card the Right Way?

Once you have your student credit card, using it responsibly is essential for long-term financial well-being. Follow these tips:

  • Make a Budget and Stick with It: Track your monthly income and expenses to avoid accumulating more debt than you can handle. 
  • Spend Only What You Can Afford to Repay: Plan to pay off your balance on time and in full each month to avoid high-interest rates.
  • Understand APR: Familiarize yourself with the annual percentage rate (APR) to know the cost of borrowing money. Paying off your statement balance in full each month during the grace period can save you from accumulating interest.
  • Make On-Time Payments: Late payments can harm your credit scores. 
  • Stay on Top of Your Credit: Building good credit takes time. Keep your credit utilization low and regularly check your credit scores and reports for errors.

Read more: Top 10 common credit card mistakes and ways to avoid them.

Conclusion

Choosing the best student credit card requires a thoughtful approach. Apply for the card that offers the best overall value after considering your credit score, determining your card needs, and making the necessary inquiries. If you follow these steps, you'll be prepared to make an informed choice that supports your financial objectives.

Remember, financial decisions impact your future, and the right credit card can be a valuable tool in building a positive credit history. The age-old question of whether to pay off debt or invest is a crucial consideration. Bright Money encourages a balanced approach. While it's important to pay off high-interest debts, such as credit card debt, investing can also play a significant role in long-term financial success.

If you're looking for expert guidance and a comprehensive approach to managing your finances, consider exploring the Bright Money app. Whether you choose to pay off debt or save, Bright Money's app can assist you in creating a personalized financial plan aligned with your goals. Your financial future awaits – make the right choices today with Bright Money.

FAQs

1. Can you get a credit card as a college student?

Yes, absolutely. Many credit card issuers offer cards specifically designed for students. These cards often have lower credit and income requirements, making them accessible to college students. Additionally, some cards may require proof of enrollment in college. Secured cards involving collateral are also an option for students with limited credit history.

2. Do student credit cards help build credit?

Yes, student credit cards can be a valuable tool for building credit. Using the card responsibly is essential by paying your bills on time and keeping your credit card utilization ratio below 30%. Ensure that the card reports to the three major consumer credit bureaus, as this reporting is crucial for building and establishing a positive credit history.

3. Is it better to get a student credit card or a regular credit card?

If you're a student with limited credit history, a student credit card might be a more accessible option. These cards often come with perks tailored for students, such as rewards for good grades or credit education resources. Keep in mind that student credit cards may have lower credit limits compared to regular credit cards.

4. Does applying for a credit card negatively impact your credit?

Applying for a credit card can temporarily negatively impact your credit. The process involves a hard inquiry, which may lower your credit scores. It's important to be mindful of how frequently you apply for credit, as multiple applications within a short period can potentially harm your credit.

5. Do you qualify for a student credit card?

While student credit cards are generally more accessible, there are no guarantees due to individual credit profiles. If you're concerned about eligibility, consider looking for cards that allow prequalification without a credit check. Keep in mind that even if you prequalify, a full application with a hard credit inquiry is typically required for final approval.

Suggested Readings:

5 top credit card tips for students in 2022

Is it better to use credit cards or student loans?

What are the possible consequences of credit card default?

References

  1. https://www.nerdwallet.com/article/credit-cards/how-to-pick-the-best-credit-card-for-you-4-easy-steps
  2. https://www.creditkarma.com/credit-cards/i/credit-karma-guide-student-credit-cards
  3. https://www.creditkarma.com/credit-cards/student-cards
  4. https://www.nerdwallet.com/h/category/student-credit-cards
  5. https://www.nerdwallet.com/article/credit-cards/choose-student-credit-card
  6. https://studyinthestates.dhs.gov/students/work/obtaining-a-social-security-number#:~:text=The%20Social%20Security%20Administration%20  
  7. https://www.investopedia.com/terms/f/foreign-transaction-fee.asp#:~:text=A%20foreign%20transaction%20fee%20is,purchase%20in%20a%20foreign%20currency

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

Heading

Credit
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Heading

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

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