0% intro APR: A student credit card may have higher interest rates than regular credit cards but you may benefit from a lengthy 0% APR introductory offer.When researching a student credit card, the best student credit cards may have some of the following features and benefits: Some student credit cards may waive annual fees and may offer reward programs that allow you to earn points and cash back on certain purchases. The best student credit card for college students: Some credit card companies have specific requirements on what constitutes a two or four-year college or university, so be sure to clarify these requirements before applying for a student credit card. You may also have to provide proof that you are enrolled either part-time or full-time at a college or university. To apply for a student credit card, you may need to show proof of a steady income from a part-time or full-time job or have a co-signer (a person over the age of 21 with a steady income who takes responsibility for your late or missed payments) join you in the application process. Obtain relevant proof of your personal income or assets.How do I apply for a student credit card if I am over the age of 21? Submit your application with all the necessary documents.Gather co-signer information (co-signer is responsible for making missed or defaulted payments on the account) and proof of income. Some banks or credit card companies may confirm your enrollment in an eligible school through the National Clearing House.
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