The student credit card offered by the Amegy Bank of Texas is a specially designed credit card that lets college students build their credit history the right way. While many young adults can often be approved for a regular credit card, a student credit card offers special features that keep them from making common credit card mistakes.
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It is very easy for anyone to let credit card spending get out of control. This is something that can definitely be avoided. Suze Orman offers great advice on how to avoid common credit card spending mistakes.
A Student Credit Card is Different than a Regular Credit Card
The primary way a student credit card is different from a regular credit card is that it typically has lower credit limits. A student credit card like the Visa Student credit card often has a maximum credit line of $2,000.
By limiting the maximum credit line, a student credit card protects the cardholder from getting out of control and accumulating significant credit card debt. While $2,000 might seem like a lot of credit card debt, especially to someone in college, considering the national average for a person with credit card debt is $10,000; things are quickly put into perspective.
Another way student credit cards differ from regular credit cards is that they try to reward the cardholder for responsible credit card use. A Visa Student credit card with a cash back rewards program will often pay the cardholder an extra 25% cash back each month they pay their credit card bill on time.
A Student Credit Card is a Great First Credit Card
This type of credit card is a great choice for a young adult in college that is looking for their first credit card. Many expenses come up during college that are hard to plan for and a student credit card offers a great safety net for those situations.
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- Clearview FCU Student Visa Credit Card
- Landmark Credit Union Student Visa Rewards+ Credit Card
- Discover Student More Credit Card
- APGFCU (Aberdeen Proving Ground Federal Credit Union) Student Credit Card
- S.A.F.E. Credit Union Visa Student Credit Card
- INTRUST Bank, N. A. Bethel College Credit Card
- Cornerstone Community FCU Student Visa Credit Card