{"id":31873,"date":"2025-06-12T04:15:12","date_gmt":"2025-06-12T11:15:12","guid":{"rendered":"https:\/\/lenpenzo.com\/blog\/?p=31873"},"modified":"2025-05-30T15:18:14","modified_gmt":"2025-05-30T22:18:14","slug":"how-should-i-choose-a-student-credit-card-3","status":"publish","type":"post","link":"https:\/\/lenpenzo.com\/blog\/id31873-how-should-i-choose-a-student-credit-card-3.html","title":{"rendered":"How to Choose a Student Credit Card"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-31654\" src=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2015\/06\/credit-card-basics.jpg\" alt=\"how to choose a student credit card\" width=\"395\" height=\"254\" srcset=\"https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2015\/06\/credit-card-basics.jpg 640w, https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2015\/06\/credit-card-basics-300x193.jpg 300w, https:\/\/lenpenzo.com\/blog\/wp-content\/uploads\/2015\/06\/credit-card-basics-50x32.jpg 50w\" sizes=\"auto, (max-width: 395px) 100vw, 395px\" \/>For younger people who are <a href=\"https:\/\/lenpenzo.com\/blog\/id5869-9-indispensable-financial-tips-for-teens-twentysomethings-2.html\" target=\"_blank\" rel=\"noopener\">just getting started<\/a> in life, a student credit card is a terrific way to help establish a positive credit history. The most important consideration in choosing the best one for you depends on how you plan to use it. Here&#8217;s how to choose a student credit card:<\/p>\n<h3>If you intend to pay the bill off every month<\/h3>\n<p>Focus of getting a card with:<\/p>\n<ul>\n<li>The longest possible grace period<\/li>\n<li>No annual fees<\/li>\n<li>Multiple reward options and simple redemption rules<\/li>\n<\/ul>\n<h3>If you can&#8217;t pay off the bill every month<\/h3>\n<p>Look for a card with:<\/p>\n<ul>\n<li>The lowest-possible interest rate<\/li>\n<\/ul>\n<p>Then, don&#8217;t forget to:<\/p>\n<h3>Pay attention to the interest rate!<\/h3>\n<p>While it&#8217;s not hard to find student cards offering <a href=\"https:\/\/www.investopedia.com\/terms\/t\/teaserrate.asp\" target=\"_blank\" rel=\"noopener\">teaser rates<\/a> of 0%, it&#8217;s the interest rate after the introductory period ends that&#8217;s important. Try to keep the APR no higher than 18%.<\/p>\n<h3>Look for good behavior rewards!<\/h3>\n<p>Believe it or not, there are cards that offer points for holders who maintain a good GPA and pay their bill on time.<\/p>\n<h3>Read the fine print!<\/h3>\n<p>Cards that offer expensive gifts in exchange for signing on the dotted line often trap students into dubious agreements sprinkled with onerous fees and nasty minimum balance requirements. So be careful.<\/p>\n<p style=\"text-align: right;\"><span style=\"font-size: smaller;\">Photo Credit: GotCredit<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>For younger people who are just getting started in life, a student credit card is a terrific way to help establish a positive credit history. The most important consideration in choosing the best one for you depends on how you plan to use it. Here&#8217;s how to choose a student credit card: If you intend [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":31654,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mo_disable_npp":"","pmpro_default_level":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[457,458,488],"tags":[],"class_list":{"0":"post-31873","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-college","8":"category-credit-debt","9":"category-credit-card-basics","10":"pmpro-has-access","11":"entry"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.8 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How to Choose a Student Credit Card<\/title>\n<meta name=\"description\" content=\"A credit card is a terrific way to help young people establish a positive credit history. Here&#039;s how to choose a student credit card:\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lenpenzo.com\/blog\/id31873-how-should-i-choose-a-student-credit-card-3.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Choose a Student Credit Card\" \/>\n<meta property=\"og:description\" content=\"A credit card is a terrific way to help young people establish a positive credit history. 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