Credit cards when used wisely and responsibly will help you build up your credit over time. We have poured over many offers to bring you the best credit card offers for college students. I have even searched for non secured credit cards for those with limited and or poor credit history, a category of which many of our readers of this article will fall into.
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The first card on our list is designed just for college students, the Discover it® chrome for Students. With no annual fee, no over the limit fee and no late fee for your first late payment this credit card definitely makes our list at the top. You also get cash back on up to $1,000 in combined purchases at both restaurants and gas stations every 3 months, as well as 1% cash back on all other purchases. This card offers a 0% APR for purchases for the first six months, after which a variable APR applies, which can be as low as 12.99%. If your worried about forgetting the statement due date, do not worry you can opt to receive free text alerts when your payment is due, as well as a free app for your smartphone. Another nice feature on this card is that your APR will not go up if you pay late.

Journey Student Rewards from Capital One® is next on my list of great credit cards for students. This is a card that will give you plenty of rewards such as cash back with no limit on the cash back you can earn, and the rewards do not expire on this card unlike with many credit cards. You earn 1% cash back on purchases, but if you pay your statement on time you receive 1.25% cash back instead as a bonus. While your credit limit will be low with this card at first, your credit limit will rise after making 5 credit card statement payments on time in a row. You also can pick the monthly payment statement date that works for you best, no more having to plan payments around awkward days that are no where near your paydays, simply pick the date of the month that works best for you. This card also has no annual fee.

Citi ThankYou® Preferred Card for College Students is next on our list, unlike the other two cards before hand, the rewards on this card are not cash back but rather points which you can redeem for merchandise, travel rewards, gift cards, cash and more. There is a sign up bonus of 2,500 ThankYou points after spending $500.00 within the first three months of opening the card. You earn 2 ThankYou Points for every dollar spent on dining at restaurants and entertainment, and 1 ThankYou point on all other purchases. This card has a 7 month 0% intro APR for purchases, than a variable APR of 13.99% – 23.99%* interest applies. This card has no annual fee.

For those with limited or bad credit there is always the Comerica College Rewards. This is a no frills card, but has no annual fee and a ongoing APR of 16.49% on average, with Min APR: 11.99% and Max APR: 20.99%, most consumers fall at the 16.49% range. As the name of the card implies it does indeed offer rewards, however the rewards are only 1 point per dollar spent. The rewards can be used for cash back, retail gift cards, merchandise and travel. Receive 1,000 bonus reward points with your first purchase. While there are better rewards cards on the market, this card is given to those with limited and poor credit history so it does make a good starter credit card until you build up your credit score enough to obtain a better card. One good thing about this card is no annual fee.

The last card on our list is for those who get denied a credit card due to having no credit history. The First National Bank Secured Visa Card will aide you in growing your credit score and history. With this card, provide an upfront deposit anywhere from $300 to $5,000 which will define your credit limit. The money will be held in an interest baring account. If you maintain on time payments, miss no payments and use this card responsibly you can get your deposit back in as little as 15 months and have your secured card upgraded to a regular credit card. You credit will be updated on all three major credit bureaus, thus establishing credit history, weather that is good credit history or bad credit history remains your choice.

This article was written by Steven Moore, who has been covering consumer finance and the credit card markets since 2006. You can learn more and connect at his Google+ page.