It is not easy being a college student. There are plenty of challenges to face before you even start studying. However, getting a card need not be amongst those challenges. It might come as a surprise to know that many of the top credit cards for college students cater for new scholars with little or no credit history.

One of the things to remember is that there is plenty of competition from the card companies for your business, so it pays to shop around. Look out for special offers and for cards that have no annual fee. Also useful are those products that give automatic protection against fraud and identity theft.

The Discover More card for scholars gives the user cash back when they use the card at restaurants and when they buy gas. It comes with an introductory 0 per cent APR that lasts for 6 months. It should be available to students online.

One of the more popular products is the Forward Card from Citi. What makes this appeal to scholars is the fact that, with certain purchases, the card holder gets 5 reward points for each dollar spent. The scheme covers items bought in bookstores, video rental stores, movie theaters and various other places scholars are likely to frequent. There is also an introductory offer of 0 per cent APR, which lasts for 7 months and covers all purchases.

If you are after a card that offers cash back instead of just points, then you might wish to look at the Citi’s Dividend Platinum Visa card. It gives 5 per cent cash back on purchases in gas stations, drugstores and supermarkets. It also gives you money back when you pay utility bills, such as cable television. Like some of the other cards, the Dividend Platinum comes with 7 months at an introductory rate of 0 per cent APR.

You cannot underestimate the importance of paying the bills on time. If you do this, your rating will improve, making it more likely that you will get loans in future. It might be worthwhile to see the card as a way of building up your credit history. This is a major reason why debit cards are not as attractive, because they cannot usually help build up your rating.

It should not hard to find top credit cards for college students. However, it might be a challenge to trawl through the myriad of offers until you find one that is right for you. The most important thing is that you choose based on your on individual needs.

To Learn more about our top college student credit cards click this highlighted link!