The best student credit card will differ depending on the individual. But in this article we’ll help you to find the various options available to you and to help you to choose the best one to suit your needs.

There are of course hundreds of different credit cards available but for students the types of card and interest rates will be different from regular credit cards.

One of the most important things you should look for when trying to find the best student credit card for you is to look at the Annual Percentage Rate (APR) and any surcharge fees attached.

Best Student Credit Card – Check the APR

Student credit cards will almost certainly have a higher APR than standard credit cards. This is because the card issuer knows that you won’t have a lot of income and have no credit history. So they are taking a risk with giving you a card but they do so because they can charge a higher rate of interest on anything you buy on the card.

So the first place to search for the best student credit card is online. This is because you can use credit card comparison sites that let you directly compare all student credit cards together. You can see all the APR rates and surcharges all together and this makes it easier to choose the best one for you. These comparison websites are always free to use as they make their money if you click through to one of the credit card companies and sign up for a card. This is how almost all online comparison websites work. But it does mean you get accurate information, so it’s always worth using them.

Another thing you will notice is that some credit cards have reward schemes. You don’t want to pay too much attention to these as they can take your eye off the main important factors. Often reward schemes give rewards that you don’t need or will never use, so don’t let these distract you. Just be sure to check out the APR and compare it with other cards available to you.

A popular student credit card is the Discover student credit card. Rates may vary but are typically 15% for purchases which is pretty good. Another option is the Citi mtvU Platinum Select Visa Card which has a lower APR and will even give you 6 months with 0% interest to pay. So this is a great one to get as it gives you a grace period where you won’t have to make any monthly repayments.

We hope this has helped you to find the best student credit card for you. As we have mentioned above, it is crucial that you check out the APR of the cards and try and get the lowest available. It might not seem like much at the time but if you run up debt on the cards then even a 1% difference can mean a larger monthly repayment. So shop around and get the best credit card to suit your needs.