Visa Student Cards
Visa has a number of student credit card offers. We review the Citi mtvU Platinum Select Visa Card for College Students. Visa student cards are also available in prepaid credit cards. Read this article to find out the details and tips on credit card use.

Visa is the popular brand of credit card in the world. Indeed, Visa is accepted almost everywhere from the U.S. to Europe to Australia to Asia. It is possible to use a Visa card just about anywhere, which is part of the reason that it is so popular amongst students and credit card issuers. Visa student cards are issued by a number of different institutions, allowing you to choose between rewards programs and other benefits.

Visa student credit card from Citi

One of the most popular student credit cards from Visa is issued through Citi. The Citi mtvU Platinum Select Visa Card for College Students offers a number of interesting benefits and rewards. First of all, it works on a ThankYou Points system. When you do things like pay your bill on time, make purchases and maintain good grades, you are awarded points. These points can be redeemed for a number of items, including:

• Gift cards.
• Airline tickets and other travel rewards.
• Merchandise.
• MTV events.

There is no annual fee, and a six month introductory period in which you pay 0% on all cash advances, purchases and balance transfers.

Prepaid credit cards for students

Visa also offers prepaid credit cards for students. These prepaid credit cards are a way for students, who usually do not have a credit history, to learn the basics of paying with credit card and begin developing a positive credit score. Here are some of the offerings for Visa prepaid student cards:

AcccountNow offers a prepaid credit card with no activation fee when you use direct deposit as a way to load up your card. There is also a loan option attached, to help students borrow more easily. There are no requirements for minimum balance or overdraft. Additionally, there is online check writing.

Vision Premier offers a Visa prepaid credit card with no fees when direct deposit is used. There is no credit check to get approved, and then students can begin using the card to build a credit history. Additionally, it is easy to keep track of your account with help from email and SMS alerts.

READYdebit Visa Prepaid Card is a debit card option for students. There is free online account access and check writing, as well as no overdraft fees or account minimums. Additionally, this particular debit card comes with a feature called Credit Builder. Most debit cards do not help you build credit, but this particular card does – making it possible to earn a good credit score without using debt.

There are a number of student cards offered through issuers on behalf of Visa. And no matter which type of card you use, it is accepted every place that Visa is – which means it can be used just about anywhere.

Using Visa student cards wisely

If you do decide to get a student credit card, it is important to be careful with your purchases. It is important to create a budget and stick to it. Whether you use a credit card, a prepaid card or a debit card, it is important to monitor your spending and avoid going very far into debt. Pay of credit card bills every month, and reload prepaid cards and debit cards regularly to get the benefits of credit building habits.

Prepaid and debit cards can actually be good first steps – ahead of getting credit cards – since they can help you develop good spending and credit habits. You get used to making regular payments, as well as watching your spending. Some other things that can help you build a positive credit profile include:

• Making payments regularly and on time.
• Paying the minimum required every month.
• Keep from maxing out your available line.
• Check your statements regularly for accuracy.
• Fix mistakes on your credit report.

We live in a world based around credit. It is important to develop good credit habits. Visa credit cards, prepaid cards and debit cards can help you learn the basics of finances while helping you build your credit history.

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