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Capital One Student Cards

One Student Cards
This article will review two Capital One Student Cards, the Capitol One Standard for Students and the Capital One No Hassle Card Rewards for Students. We will also give you pros and cons of these offers, student credit card tips, and history on Capitol One.

A student credit card can be a good way to start building credit. Credit has become a necessary part of everyone's financial life. Buying a car, a home or even getting a good insurance premium can be determined by your credit history. One of the fastest and easiest ways to establish credit and build a history is to get a credit card. Getting a student credit card is one of the easiest ways for a college student – with no prior credit experiences – to begin building good credit habits and a good credit score. Capital One is a company that offers student credit cards.

Capital One options for student credit cards

Capital One actually offers two main student cards: The Capital One Standard Platinum for Students and the Capital One No Hassle Cash Rewards for Students. Both of these cards area a little easier to get than regular credit cards. They also offer ways to help you learn how to use credit responsibly.

Capital One Standard Platinum for Students

This student credit card is not actually a rewards card. Indeed, its main advantage is that nearly any student can get one. It is designed especially for those with a limited credit history. There is a 0% APR on purchases for the first four to six months, before the interest rate goes up to right around 18.05%. One fun feature of this particular student card is that it is possible to customize the way it looks. You can upload your own image (of yourself, friends, a pet or some other picture) and have it printed on the card. There is no annual fee. Like most student cards, the Capital One Standard Platinum for Students has a lower credit limit.

Capital One No Hassle Cash Rewards for Students

Of the Capital One student cards, this is the one that allows you to earn rewards. There are some definite advantages to having a cash back card. When you spend money, you get some of it back. This Capital One student credit card offers 1% cash back on all purchases. Every year, there is also a 25% bonus on the cash earned throughout the year. Like the standard card, this is a 0% APR introductory card for a few months (the regular APR starts at 15.15%). Also, it comes with $0 fraud liability, and there are protections if you lose your credit card or if it is stolen. It is important to note, however, that the value of your cash back rewards is destroyed if you carry a balance instead of paying off your purchases every month.

Tips for responsible use of your student credit cards

When using Capital One student cards – or any student credit card – is important to follow some common sense practices to ensure that you are using your card wisely to build a good credit history. Here are a few things to keep in mind for your credit cards:

  • Always pay your minimum payment on time.
  • Try to pay off your balance every month.
  • Do not buy things that you do not have the money for.
  • Do not go over the limit or pay late, since that can result in fees and a higher interest rate.
  • Check your statement every month for inaccuracies and fraudulent charges (and to keep up with the interest rates and fees).

It is important to remember that a credit card is not "free" money or "available" cash. A credit card is, in fact, a loan. You have to pay it back with interest. This means that you should use student credit cards sparingly.

About Capital One

Capital One is a credit card company that was established in 1995. The company has evolved into a financial services firm that goes beyond only credit cards. Capital One is a Fortune 500 company that is reasonably well respected. The company was the first to offer flexible rewards programs without blackout dates on travel rewards. Capital One is considered one of the more innovative of the credit card companies, and it offers a range of credit cards for those who have limited credit history to very good credit.

You really can use a student card to your advantage, and Capital One student cards can be a good way to get started on building a credit history and preparing yourself for the purchases and financial decisions you will have to make down the road – as long as you use your credit card responsibly.

Related Article: Chase Student Credit Card >>

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* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Here" button, you can review the credit card terms and conditions on issuers website.