When your child begins college, they are bombarded with any number of offers and good deals, but one that many students are particularly interested in is the student credit card.
These credit cards, offered by most major credit card companies, provide a slightly different package of offers than mainstream credit cards. But the end result is the same your student can use the cards for a wide variety of expenses and possibly even earn rewards or cash back bonuses.
What makes a student credit card different? Depending on the issuer, there can be a wide array of differences between the cards that are designated for students and those that are sought by others. Lets look at a few crucial differences:
The interest rates are often lower
There is usually no minimum income (and no cosigner either)
Rarely are there any annual fees
The cards are usually fairly easy to get, provided your student hasnt encountered any troubles with credit before
The credit limit might be lower than a regular credit card, at first. But once the student has established themselves as a responsible creditor, the limit will usually rise accordingly
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