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Wednesday, 14 March 2012

Easy Approval Student Credit Cards

A student's first credit card can be a great builder of confidence, buying power and responsibility. Many credit card company are well aware of this and offer a variety of cards catering specifically to the needs of students. Many have offer reward incentives tied to the goods and services that younger buyers typically purchase. They also often feature logos and styles that reflect contemporary trends. When can also apply for a one online and provide information that will result in an instant confirmation or denial.

Citi MTV Platinium Select Visa Card for College Students

The Citi MTV Platinum Select Visa Card for College Students ties in an instant credit decision with the cable television network MTV. It is only offered to college students and includes a point system that accumulate with every purchase. When users reach a certain level of points, they receive discounts on travel, music, electronics and tickets to MTV sponsored events like the MTV Movie Awards or MTV Music Awards. Bonus points are awarded for maintaining a good Grade Point Average starting at 250 points for a GPA of 2.5-2.99 all the way up to 2,000 points for a 4.0GPA. You can also earn points by making purchases at restaurants, movie theaters, bookstores and video rental outlets, or by paying your bill on time without going over your credit limit. The card has no annual fees and an APR of 0 percent for the first seven months which rises to 12.99-19.99 percent based on your credit score.

Discover Student More Card

The Discover Student More Card features over 100 custom designs to choose from and an instant credit decision when you apply online. Rather than a points system. the card works on a straight cash-back program which pays 5 percent on purchase categories which change month to month according to a program calendar. Some months will reward travel and dining, others home and fashion or gas and recreation, etc. All other purchases will receive a 1 percent cash back rate. Cardholders can get a bit more out of their cash back rewards if they are used in the online Discover store where gift cards and merchandise can be purchased at a 5-20 percent discount. The card has no annual fees and a 9 month 0 percent APR which rises to 12.99-19.99 percent based on your credit score.

Citi Forward Card

The Citi Forward Card is a student card with instant approval online and a series of rewards features with the aim of creating good credit habits. The card works on a points system which is based on normal purchases like dining, bookstores, movies and music at a rate of 5 points per dollar spent. There are also several landmark rewards such as a 6,500 point boost for making $250 in purchases within the first three months, 2,500 points for opting into paperless statements, and 100 points for paying your bill on time each month without going over your limit. The card has no annual fees and a 0 percent APR for the first 12 months followed by 12.99-20.99 percent based on credit rating.

Citi Dividend Platinum Select Visa Card for College Students

The Citi Dividend Platinum Select Visa Card for College Students is an instant approval card which is one of Citi's most popular. The card offers cash back rewards of 5 percent for the first 6 months on purchases at supermarkets, gas stations, drugstores and utilities, before falling to 1 percent permanently. 2 percent cash back is given for purchases in alternating categories which change month to month and 1 percent is given for all other purchases. Cash back can be taken as cash or used toward purchases in an online store where further rewards are given. The card has annual fees and a 0 percent APR for 7 months followed by 12.99-20.99 percent based on credit score.

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