My rants about bad credit credit cards
Find the standard purchase annual percentage rate (APR) and the standard cash advance APR. These are the rates you will really pay. Compare all of your student credit card offers, ignoring the introductory rates and all the frills and cash back offers; the only important considerations are the standard purchase APR and the standard cash advance APR. Once you have narrowed the selection down to a few cards with the lowest regular interest rates, search the fine print for gotchas like high default interest rates and annual fees, and eliminate any cards that have them. Now that you have a few good offers with low regular interest rates and no hidden drawbacks, you can sift through the rewards packages and choose the student credit card that offers the best frills as well as the best core terms.