The Royal Bank of Scotland and Captial One also offer pretty good student credit card deals and they are as follows

RBS Student credit card

• 18.9% APR
• No 0% interest on balance transfers
• No 0% interest on purchases
• No annual fee
• Maximum credit card limit of £500
• Discounts from HP, Firebox and Lonely Planet
• Direct Debit Payments

Capital One Student Credit Card

• Not so hot 34.9% APR
• No 0% interest on balance transfers 
• No 0% interest on purchases
• No annual fee
• Low starting credit limit of £200
• Paperless Credit Card Statement
• Choose your own card design.

So considering what you’re really after the RBS one looks pretty good doesn’t it?  Unless of course you value being able to choose your own card design above the actual interest rate of your credit card.  If you do then you have bigger problems than choosing a student credit card, believe me.

The other problem with the Capital One credit card, other than it’s low limit and it’s high interest, is the fact that it offers students no rewards or discounts at all!  Not really worth it at all.  I think this card is primarily a card for those who have had bad debt problems and need to rebuild their credit rating; it just happens that it’s also perfect for a student application too.  Leave it alone!

The Natwest student credit card won’t offer you the sort of things that you’ll get from regular credit cards like: 0% interest on balance transfers for 12 months and 0% on purchases either.  And you won’t get a fantastic APR either, you’ll get 18.9%.

But then having a stundent credit card isn’t about these benefits is it?  It’s about the rewards.  That’s what all the stundents want these days, a good reward credit card and a good, reasonably healthy (but not too unbelievable) credit card limit.

Well with the Natwest credit card for students you’ll be able to get it quite easily if you are a student and you don’t have a regular income.  I think you’ll have to provide evidence of student loan income or parental funding, depending on what’s the highest.  But the point is that most students qualify when they don’t have a job, and a student credit card is about the only card that you will get without having a job!

It’s also quite realistic in its limits and only offers students a credit card limit of £500.  This is more than enough for the average student and it should cover all those emergency pot noodles and things like that when they’re required.

They also offer great discounts on various brands, websites and stores too.  Just don’t forget to have the balance paid off at the end of the month because the interest will kill you eventually!

However, you must remember that all the fun you have whilst you are young and enjoying your student days will have to be paid for eventually, and it could lead to years of having not so much fun; a big, big anti-climax man!  Just when you thought the world was a party you’ll find you’re no longer able to live in the city, you can’t go out as much with your friends, and you can’t buy the latest fashions and video games anymore.  And all this because you chose the wrong student credit card?  Yes, it is possible.  So be careful to compare credit cards before you sign on the dotted line.

Anyone can give in to temptation so it’s best not to get a credit card that offers you a spending limit that seems to be out of this world.  If you look at the limit and think: “oh my god!  I’m in heaven”  then it’s more than likely too much money for you to handle, and you will more than likely fail to meet your payments and your interest will just increase the amount you owe.  Pick a credit card that will give you a small amount to spend, and use it when you really have to, or at least when you’re pretty sure you’ll be able to make the payments.  Credit card companies are supposed to be a little more responsible about who they lend money to these days but there are still a few out there that will screw you!

            At any given time, emergencies can happen. Students, especially those in colleges and universities, might need something for their studies. They might need a book for their book report, a laptop for making a thesis and other documentations, etc. College students normally live in boarding houses so they are separated from their parents. In a time of emergency, when the student needs money, who would help him?

            For example, you are a student and you are doing a final paper for a subject. You are using a laptop to make the final paper when the laptop suddenly crashed. You might not be able to repair it by yourself. It might even take a professional to fix this problem. At this time, you really would resort to getting it repaired by professionals. It would cost you a lot, and if you don’t have enough money, you can simply use student credit cards to pay the bills.

            Student credit cards have become an interesting item for college students. They can use it to buy whatever they need for their studies or for their own well-being. So if you are interested in owning student credit cards, then you should prepare yourself. There are various types of student credit cards and you might find it hard to choose just one. Luckily, here is a comparison of some of the best student credit cards offered by the best banks around: