Low Interest Student Credit Cards from Our Partners
Editors Rating: 4.5/5
These student credit cards give you some of the lowest rates around, as well as the chance to start building your credit history
The student credit card offers for 2015 below showcase some of the lowest rates offered; some cards offer multiple rate tiers and you are NOT guaranteed to get the lowest rate offered. Many of the best credit card deals are only available for a limited time, so act now to get the best offers.
As a college student, your education is one of the most important things in your life. When you decide to get a credit card, make sure you get educated first! There are many student credit card offers to match your lifestyle, interests, and financial position.
Many companies have student credit card deals. When planning to get a credit card, your first step is to look at your current credit score and how you plan to use the card.
You have no credit history and you want to build credit.
Many student credit cards are set up for your situation. They require no credit history. This is good because it allows you to begin using the card responsibly and pay off the balance each month. You can build your credit for the future and give yourself peace of mind with a credit card in your wallet. There are low interest credit cards and reward credit cards that do not require a credit history.
You want to transfer a balance from another credit card.
Some student credit cards carry low interest rates and allow balance transfers. Many also give you introductory offers on balance transfers. This is another way to build credit. Transfer your balance over and begin to pay it off; the introductory period will save you in interest to make progress on reducing your credit card debt.
You can almost certainly find a student card that matches your interests, but there are a few things to check to ensure you choose the best credit card. What is the annual fee on the card? What are the interest rates for purchases, cash advances, and balance transfers? Is the interest fixed or variable? What is the grace period for paying your balance before interest is charged?
Many people choose a low interest credit card to save money when a balance is carried over from month to month. Sometimes a rewards card carries a higher interest rate or an annual fee, but the potential benefit can outweigh these--it depends on your usage and paying habits.
As a student, you have a lot on your mind. Finding the best credit card deals shouldn't be something you worry about. Once you have decided how you plan to use the card, look for low interest or rewards. Then decide which is the most beneficial to you. If you have a credit history, check your score to make sure it is accurate and be sure to fill out your credit card application completely to get the best interest rate. Now that you have a plan, put it in action!
- Double all the cash back you've earned at the end of your first year automatically - only for new cardmembers*
- 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter--no sign-ups needed.* 1% cash back on all your other purchases.
- No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
- Free FICO® Credit Score on statements, online & by mobile app.* 100% U.S.-based service any time. Text alerts when payment is due & a free mobile app to stay on top of your account.
- New Freeze ItSM on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.*
- Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card.
- 0% intro APR* on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99%.
- *See rates, rewards, free FICO® Credit Score terms & other info by clicking "Apply."
- Your stepping stone to credit that can grow with you.
- You provide an upfront deposit - from $300 to $5,000 - and that sets your credit limit, subject to our credit approval.
- How you use your card will reflect on your credit rating with the three major credit bureaus.
- There is no charge for receiving your FICO® 8 Bankcard Score.
- You could qualify for additional unsecured credit -- without sending an additional deposit -- in as few as 7 months.
- As soon as 11 months after opening your account, you could be eligible to apply for an unsecured card from First National Bank -- and get your deposit back!
- Use you First National Bank Secured Card anywhere Visa credit cards are accepted.
Other Student Credit Cards to Consider
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"As comprehensive a list as you'll find of all the credit card offers on the table now."