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Low
Interest Student Credit Cards
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Student
credit cards with low ongoing interest rates. Ranked by lowest
rate offered; some cards offer multiple rate tiers and you are
NOT guaranteed to get the lowest rate offered. Introductory
offers, balance transfer rates and annual fees factored in where
rates are equivalent. (NOTE: Credit card rates change fairly
regularly -- check the terms and conditions of each card to
be sure the interest rates shown here are accurate.) Last
Updated: June 26, 2008.
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Citi
Dividend Platinum Select Card for College Students -
Ongoing Interest Rate: 12.99% variable rate*.
Introductory APR: 0% for 6 months. Balance Transfer
Rate: 0% for 6 months, then same as ongoing. Annual
Fee: None. Also: Earn
a full 5% cash back on purchases at supermarkets, drugstores,
gas stations, convenience stores and utilities including
cable for 6 months and 2% afterwards, and 1% cash back on
all other purchases.
(click
for all terms & conditions.)
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mtvU
Platinum Select Visa Card for College Students
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Ongoing
Interest Rate: 12.99% variable rate*. Introductory
APR: 0% for first 6 billing cycles. Balance Transfer
Rate: 0% for first 6 billing cycles, then same as ongoing.
Annual Fee: None.
Also: Rewards
program offers points toward CDs, gift cards, even tickets
to the MTV Video Music Awards. (click
for all terms & conditions.)
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Blue
for Students from American Express
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Ongoing Interest Rate: 12.99% variable rate*.
Introductory APR: 8.9% for 6 months. Balance Transfer
Rate: No balance transfers. Annual Fee: None.
(click
for all terms & conditions.)
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State
Farm Student Credit Card -
Ongoing Interest Rate: 13.99% variable rate*.
Introductory APR: Same as ongoing. Balance Transfer
Rate: Same as ongoing. Annual Fee: None.
(click
for all terms & conditions.)
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Citi
Platinum Select Visa Card for College Students
- Ongoing Interest Rate: 14.74% variable rate*.
Introductory APR: 0% for 6 months. Balance Transfer
Rate: 0% for 6 months, then same as ongoing. Annual
Fee: None. (click
for all terms & conditions.)
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Citi
Driver's Edge Visa Card for College Students -
Ongoing Interest Rate: 14.99% variable rate*.
Introductory APR: 0% for 6 months. Balance
Transfer Rate: 0% for 6 months, then same as ongoing.
Annual Fee: None. Also: Earn
3% rebate at gas stations, drug stores and supermarkets,
1% rebate everywhere else. Use rebates toward any new or
used vehicle, vehicle repair, or other merchandise rewards
through the Citi ThankYou network.
(click
for all terms & conditions.)
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Citi
AAdvantage Bronze MasterCard for College Students -
Ongoing Interest Rate: 14.99% variable rate*.
Introductory APR: Same as ongoing. Balance
Transfer Rate: 0% for 6 months, then same as ongoing.
Annual Fee: None. Also: Earn
1 AAdvantage frequent flyer mile for every $2 in card spending.
(click
for all terms & conditions.)
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US
Bank College Rewards Visa Card -
Ongoing Interest Rate: As low as 11.24%, as high
as 20.24% variable rate*. Introductory APR: Same
as ongoing. Balance Transfer Rate: Same as ongoing.
Annual Fee: None. (click
for all terms & conditions.)
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Sovereign
Bank Student Credit Card -
Ongoing Interest Rate: 15.99% variable rate*.
Introductory APR: Same as ongoing. Balance Transfer
Rate: 4.9% for 6 months, then same as ongoing. Annual
Fee: None.
(click
for all terms & conditions.)
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Discover
Student Card -
Ongoing Interest Rate: 16.99% variable rate*.
Introductory APR: 0% for 6 months. Balance Transfer
Rate: No balance transfers. Annual Fee: None.
Also:
Earn up to 1% cash back on all purchases, and a full 5%
cash back on special Get More Program merchant offerings.
(click
for all terms & conditions.)
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Chase
+1 Student MasterCard
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Ongoing Interest Rate: 14.99% or 19.99% variable
rate*. Introductory APR: 0% for 6 months. Balance
Transfer Rate: 0% for 6 months, then same as ongoing.
Annual Fee: None.
(click
for all terms & conditions.)
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*
variable rate = credit card interest rate changes in line
with federal interest rates or other rate index; fixed
rate = credit card rate stays the same regardless of changes
in federal rates, but still may be changed by credit card
issuer in the future.
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