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.

• 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.)

• mtvU Platinum Select Visa Card for College Students - 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.)

• Blue for Students from American Express - 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.)

• 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.)

• 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.)

• 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.)

• 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.)

• 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.)

• 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.)

• 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.)

• Chase +1 Student MasterCard - 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.)

Related Categories: Student Credit Cards with Rewards

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