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Best Student Credit Card

Choosing the right Credit Card.

As a student, you’ll be targeted by many banks and credit card companies offering tempting joining incentives and the ability to buy lots of cool new stuff. However, you may end up paying higher rates and having a debt on your hands that lasts well after you graduate.  Student credit card usually come with a much higher interest rate compared to an average ordinary credit card.  it is very important to be fully aware of the differences between student credit cards and other credit cards.

Do your research.

Finding the right credit card would usually take some research. You’ll need to bear the following in mind:
  • low interest rates
  • the best rewards or incentives
  • the easiest terms
  • a good Annual Percentage Rate
  • lowest or no annual fee
  • online banking
  • fraud guarantee
  • customer service

What do they offer?

The attraction in getting a student credit card lies in the terms and conditions of the cards: student credit card providers will allow you to borrow without having any regular income at all.  On the other hand, student credit cards generally charge a higher than average interest rate. Providers tend to offer things like record or book tokens to encourage you to sign up, but they don't cut their typical APR (Annual Percentage Rate).  Many of these card providers do also encourage to spend at the same time your your student credit card by offering discount vouchers from bookshops and other high street shops.  There is nothing wrong with using your credit card to make purchases, however if you do fall into the trap of paying interest on your credit card; the interest you will be paying will be very high.

Benefits of a student credit card.

Some student credit cards offer money off in certain shops, but these are in most cases the same shops in which you'll get discounts with your NUS card. As long as your a student who holds an NUS card, you will recieve student discounts in places that offer student discounts regardless of whether you hold a student credit card or not.  Don't be tempted by money off or discount vouchers that are offered.

What are other alternatives to a student credit card?

Shop around to find the cheapest credit card and don't restrict yourself to so-called student credit cards.  There are many other credit cards that are by far better and more suitable for students.  Football Credit Cards offer fantastic introductory offers along with great rewards and benefits.  Football credit cards offer low interest rates, the best rewards and incentives, very clear and straightforward terms, a good Annual Percentage Rate, no annual fee, online banking, online fraud guarantee, excellent customer service and much more.  The rewards and incentives of a football credit card compared to a student credit card is massive.  Navigate through the site to find out more.


 
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Football Credit Cards are a fantastic way to support and secure the long term future of your football club!  By applying for and using the Football Credit Card, both you and your club will receive tremendous benefits.  All contributions received by your football club (at no extra cost to yourself) will be put towards the Youth Development Programme at your clubs Academy.  Help your club, help the youth's of today and receive huge rewards at the same time.  Apply today for an instant decision and receive your card within a week.

 

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