Featured Student Credit Card

The Discover® Open Road Card for Students is our top pick in 2012 for Louisiana student credit card applicants. Here are some of the rewards and features that approved Louisiana student applicants can enjoy:
 
With the Discover® Open Road Card for Students, card holders earn cashback bonuses on every single purchase made. Another exciting feature is that all new customers will receive a special 0% APR financing offer during the first 9 months of opening a new account. Some of the other popular features we think Louisiana students will appreciate include:
 

• Earn Double Cashback Bonuses on Gas and Restaurant Purchases
• Earn 1% Cashback Bonuses on Every Eligible Purchase
• Enjoy Special 9-Month 0% Introductory APR Offer for Purchases
• Receive up to 20% Cashback Bonus by shopping at Discover’s online mall
• No Annual Fee
 

Another reason the Discover® Open Road Card for Students tops our list is that it gives students a variety of ways to redeem the Cashback bonuses earned – students can choose to get cash back or can select something else. Most importantly, there’s no annual fee associated with this credit card offer. With all of these great features on this customizable credit card, it’s not hard to see why Louisiana college students are giving the Discover® Open Road card for Students an A+.
 

• Eat At a Restaurant. Fill Up Your Gas Tank and Earn Double Cashback Bonuses

As Louisiana students can appreciate, the Discover® Open Road Card for Students is the perfect card to have if you are planning a college road trip, driving home to see your folks, or just heading over to a restaurant for some late night study snacks. Card holders will earn Cashback bonuses for each and every purchase make, plus extra Cashback bonuses when you buy gasoline for your car.
 

Here’s how it works. You will earn Cashback Bonuses on every purchase at different rates. First, you will earn .25% cash back on every purchase made with your card until your annual spending reaches $3,000. After you reach the $3,000 annual threshold, you’ll earn a 1% Cashback bonus on every purchase you make and there is no limit to the amount of cash back you can earn at this level. Some students charge tuition, rent, books, meals, gas and airline tickets exclusively on this card and watch the cash back rewards pile up fast. Consistently using this credit card as your go-to card is a good strategy for getting the most rewards out of your card.
 

• Earn Double Cashback Bonus on Gas and Food – Here are the details. Students who eat out at any Restaurant or fill up their cars at any gas station will earn a double Cashback bonus on the first $250 spent on gas and restaurants every month. After the $250 monthly gas and restaurant limit is reached, students will continue to earn Cashback bonuses at the regular rate.

Student card holders will also earn up to 20% Cashback Bonuses through online shopping at popular retailers through www.ShopDiscover.com.
 

Although purchases made at warehouse clubs, discount stores, and their affiliates do not count towards the $3,000 yearly threshold that must be met in order to earn the 1% cash back, purchases made at these businesses will earn members a .25% Cashback bonus all year long. It bears repeating that there is no limit to the amount of Cashback bonuses that can be accrued, and Cashback bonuses will never expire as long as your account remains active and current.
 

Cashback Bonuses can be Redeemed for More Than Just Cash.

Students, like all other credit card consumers, like to have the option to choose how to use the rewards they earn. With this credit card product, cash back bonuses can be redeemed for a long list of popular alternatives to cash. For example, rewards can be redeemed for:
 
• E-Certificates or Gift Cards with over 100 brand-name retailers
• Brand-name merchandise shipped to any U.S. Street address for no additional charge
• Discover Gift Cards which are valid anywhere Discover cards are accepted
• Cash as electronic bank deposit or as a statement credit towards your balance
 

Louisiana students like the fact that cashback bonuses can be redeemed for gift cards starting at $20. You can redeem your Cashback bonuses for cash deposits to either your bank account or as a credit to your Discover card statement starting at $50. Cashback bonuses redeemed in this manner are redeemed in $50 increments.
 

Discover Rewards New Card Holders with 0% APR on Purchases for 9 Months.

When you receive your Discover® Open Road card for Students, you will be rewarded with a special 9-month 0% APR on purchases made with the card. The introductory period for this APR offer lasts for 9 billing cycles from the date the account opens. With a deal like this, your Discover® Open Road Card for Students makes it possible to charge a large transaction without the burden of interest for nine whole months. Paying 0% interest on purchases for 9 months is as good as it gets – just remember that it is best to pay your balance in full before the expiration of the introductory period.
 

Students Have The Option To Design A Card That Best Fits Their Personality

The Discover® Open Road Card for Students lets applicants select a card design that best represents them. For no additional charge, a student can choose among many card variations and change the credit card design to the one they like the best. Some design choices include sports, hobbies, monogram designs, graphical images, animals, classical and popular art, and landscapes, among others. For college environmentalists, Louisiana students can even go green with several earth-friendly designs printed on brand new biodegradable cards that will not leave any toxic imprint on the environment.
 

A Bit Of Advice On Handling Your Student Card Responsibly

As can be expected, there are some restrictions and fees associated with the Discover® Open Road Card for Students. As a general rule, it is always a good idea to read the entire Terms and Conditions of any credit card offer before you apply for it. And don’t forget to use common sense with your credit card – if you can’t afford to pay cash for something, don’t charge it. Exercise restraint to avoid graduating with a mountain of debt!
 

In A Nutshell

All in all, the Discover® Open Road Card for Students is an excellent card to have from freshman to senior year. Because Discover is consistently rated as one of the highest scoring companies in terms of customer loyalty and satisfaction according to the Brand Keys Customer Loyalty Engagement Index Report, student card holders often continue their relationship with Discover after they graduate from college. Because of the excellent customer service, protections, and more, it pays to be a part of the Discover family.
 

The Discover® Open Road Card for Students earns you Cashback bonuses on every purchase you make, and double on essentials like gas and restaurant charges. These Cashback bonuses can easily be redeemed for gift cards as small as $20 or cash and for account statement credits in $50 increments or more. Whether you want to shop during your spring break or simply get some of the money you spend on purchases back in your pocket, you should definitely consider the Discover® Open Road Card for Students.
 
With NO annual fee and the current 9-month 0% Introductory APR offer, enrolling with the Discover® Open Road Card for Students is by far one of the best college decisions you can make.
 

Student Credit Cards: Learn The Basics About Interest Rates (APR) and Credit Card Fees

A credit card’s interest rate is one of the most important things a student credit card consumer must understand.

What Does APR mean?

A credit card interest rate is the price the credit card issuer charges its card holders for borrowing money. In the credit card context, the interest rate is stated as an annual rate, commonly referred to the annual percentage rate (APR). With the majority of credit cards, the card holder can avoid having to pay interest on purchases if they pay their balance in full every month.

How Do I Know What The APR Is On My Credit Card?

The APR is commonly located on your monthly credit card statement near the amount owed. The APR will also be set forth in your credit card offer. It is important to note that it is possible for one credit card to have several APRs. Here are some examples to consider:

Can The APR May Be Different For Different Types Of Transactions?

All credit cards have a “purchase APR” which is the interest rate the credit card holder will pay on purchases. In most cases, the card holder will only have to pay interest on purchases if they maintain a balance into the next billing cycle. Typically, credit cards have a different APR for cash advances or balance transfers.

What Is An Introductory APR?

A credit card may have a lower APR during an introductory period and a higher interest rate after at the conclusion of the introductory period. Under Federal law, the duration of the introductory period cannot be less than six months. Moreover, the credit card issuer must disclose what the interest rate will be at the expiration of the introductory period. For example, a credit card’s introductory rate may be 0 percent for six months and then go up to 18.5 percent.

What Is A Penalty APR?

The APR on a credit card may increase if the card holder does something that triggers a penalty under the terms of the agreement. For example, a late payment or a bounced check could allow a credit card issuer to impose a penalty.

What Is The Difference Between A Fixed And A Variable APR?

Generally, a credit card will have a fixed or a variable APR. A “Fixed-rate APR” is an interest rate set at a particular percent which cannot change during the period of time identified in your credit card agreement. If the credit card agreement does not specify a time period for the APR, the rate cannot change as long as your account is open.
 
Unlike the fixed rate APR, a “Variable-rate APR” is subject to change. In some instances, a variable APR may change depending upon fluctuations of an independent index like the prime rate or Treasury bill rate. The credit card application and agreement must disclose how often your card’s APR may change.
 
In some instances, credit card issuers offer a combination of fixed and variable APRs. Typically, credit card issuers offer a fixed-rate APR that becomes a variable rate after the introductory period ends. It is very important that all credit card holders carefully read the terms of the credit card agreement fully to understand if the APR can change and the circumstances which might cause the APR to adjust.

Student Credit Cards: Understanding Credit Card Fees

Typically, credit card charge fees. It is crucial that student credit card holders read the credit card agreement and understand what their credit card fees are or can be at some point in the future. Listed below are some common credit card fees to be aware of when you apply for a student credit card.
Application Fee. The application fee is a fee that may be charged to apply for a credit card.

Annual Fee. An “annual fee”, also referred to as a “membership fee” or “participation fee”, is the amount charged to the credit card customer for the privilege of having the credit card. In some instances, the credit card issuer charges a lump sum annual fee. In other instances, the credit card issuer spreads the cost out and charges a portion of the fee every month.
Set-Up Fee. A “set-up fee” is an amount that a credit card issuer might charge when the new credit card holder opens a new account.
Cash Advance Fee. A “cash advance fee” is the sum that is charged by the credit card issuer when the credit card is used to get cash from an ATM. The fee may be a flat fee (e.g., $5 per transaction), or the fee may be a percentage of the total amount of the cash advance (e.g., 2% percent of the total amount of cash advanced, including any ATM fees).

Balance-Transfer Fee. A “balance-transfer fee” is an amount charged by the credit card issuer when the credit card holder transfers a balance from one credit card to another. Like the “cash advance fee,” the “balance-transfer fee” may be a flat fee (e.g., $5 per transaction) or it may be a percentage of the transfer (e.g., 2% percent of the total amount transferred).

Late-Payment Fee. A “late-payment fee” is a sum charged by the credit card issuer when the credit card holder submits a payment that is received after the due date.
Over-The-Limit Fee. An “over-the-limit fee” is an amount charged by the credit card issuer when the credit card holder exceeds the credit card’s credit limit. Under the law, the credit card customer must authorize the credit card issuer to permit you to go over your limit in order for the credit card issuer to charge the “over-the-limit fee.” If the card holder does not authorize the credit card issuer to permit you to go over your credit limit, your transaction will most likely be declined.

Credit-Limit-Increase Fee. A “credit-limit-increase fee” is a sum charged by the credit card issuer when the credit card holder requests and receives an increased credit limit

Read Your Agreement & Understand Your Rights. Be certain to read the terms of the credit card agreement carefully to understand the services offered by credit card issuers along with all the associated fees. Federal law limits the total fees charged during the first year after new account is opened to 25% of the initial credit limit. In some instances, the credit card issuer may also offer insurance or debt coverage – for a fee.

Similar articles:

Best Student Credit Cards for 2012

Gas Credit Card Rewards

Best Credit Cards for College Students Offer 0% Introductory APR, No Annual Fee and Cash-back Bonus Rewards

Best Student Credit Cards for Spring Break

Student Credit Card Applications

Student credit card applicants from the schools below are welcome to email their comments about the best credit card rewards programs they have uncovered:
 

 
Tulane University
Centenary College of Louisiana
Dillard University
Louisiana College
Loyola University New Orleans
Our Lady of Holy Cross College
Our Lady of the Lake College
Xavier University of Louisiana

Public colleges and universities

Louisiana State University System
Louisiana State University at Alexandria
Louisiana State University and A&M College, Baton Rouge (main campus)
Louisiana State University at Eunice
Louisiana State University in Shreveport
Louisiana State University Health Sciences Center New Orleans
Louisiana State University Health Sciences Center Shreveport
Paul M. Hebert Law Center
Southern University System
Southern University and A&M College, Baton Rouge (main campus)
Southern University at New Orleans
Southern University at Shreveport
Southern University Law Center
University of Louisiana System
Grambling State University
Louisiana Tech University
McNeese State University
Nicholls State University
Northwestern State University
Southeastern Louisiana University
University of Louisiana at Lafayette
University of Louisiana at Monroe
University of New Orleans
Louisiana Community and Technical College System
Baton Rouge Community College
Bossier Parish Community College
Delgado Community College
L.E. Fletcher Technical Community College
Louisiana Delta Community College
Louisiana Technical College
Elaine P. Nunez Community College
River Parishes Community College
South Louisiana Community College
SOWELA Technical Community College

 
Featured Student Credit Card

The Discover® Open Road Card for Students is our top pick in 2012 for Indiana student credit card applicants. Here are some of the rewards and features that approved Indiana student applicants can enjoy:
 
With the Discover® Open Road Card for Students, card holders earn cashback bonuses on every single purchase made. Another exciting feature is that all new customers will receive a special 0% APR financing offer during the first 9 months of opening a new account. Some of the other popular features we think Indiana students will appreciate include:
 

• Earn Double Cashback Bonuses on Gas and Restaurant Purchases
• Earn 1% Cashback Bonuses on Every Eligible Purchase
• Enjoy Special 9-Month 0% Introductory APR Offer for Purchases
• Receive up to 20% Cashback Bonus by shopping at Discover’s online mall
• No Annual Fee
 

Another reason the Discover® Open Road Card for Students tops our list is that it gives students a variety of ways to redeem the Cashback bonuses earned – students can choose to get cash back or can select something else. Most importantly, there’s no annual fee associated with this credit card offer. With all of these great features on this customizable credit card, it’s not hard to see why Indiana college students are giving the Discover® Open Road card for Students an A+.
 

• Eat At a Restaurant. Fill Up Your Gas Tank and Earn Double Cashback Bonuses

As Indiana students can appreciate, the Discover® Open Road Card for Students is the perfect card to have if you are planning a college road trip, driving home to see your folks, or just heading over to a restaurant for some late night study snacks. Card holders will earn Cashback bonuses for each and every purchase make, plus extra Cashback bonuses when you buy gasoline for your car.
 

Here’s how it works. You will earn Cashback Bonuses on every purchase at different rates. First, you will earn .25% cash back on every purchase made with your card until your annual spending reaches $3,000. After you reach the $3,000 annual threshold, you’ll earn a 1% Cashback bonus on every purchase you make and there is no limit to the amount of cash back you can earn at this level. Some students charge tuition, rent, books, meals, gas and airline tickets exclusively on this card and watch the cash back rewards pile up fast. Consistently using this credit card as your go-to card is a good strategy for getting the most rewards out of your card.
 

• Earn Double Cashback Bonus on Gas and Food – Here are the details. Students who eat out at any Restaurant or fill up their cars at any gas station will earn a double Cashback bonus on the first $250 spent on gas and restaurants every month. After the $250 monthly gas and restaurant limit is reached, students will continue to earn Cashback bonuses at the regular rate.

Student card holders will also earn up to 20% Cashback Bonuses through online shopping at popular retailers through www.ShopDiscover.com.
 

Although purchases made at warehouse clubs, discount stores, and their affiliates do not count towards the $3,000 yearly threshold that must be met in order to earn the 1% cash back, purchases made at these businesses will earn members a .25% Cashback bonus all year long. It bears repeating that there is no limit to the amount of Cashback bonuses that can be accrued, and Cashback bonuses will never expire as long as your account remains active and current.
 

Cashback Bonuses can be Redeemed for More Than Just Cash.

Students, like all other credit card consumers, like to have the option to choose how to use the rewards they earn. With this credit card product, cash back bonuses can be redeemed for a long list of popular alternatives to cash. For example, rewards can be redeemed for:
 
• E-Certificates or Gift Cards with over 100 brand-name retailers
• Brand-name merchandise shipped to any U.S. Street address for no additional charge
• Discover Gift Cards which are valid anywhere Discover cards are accepted
• Cash as electronic bank deposit or as a statement credit towards your balance
 

Indiana students like the fact that cashback bonuses can be redeemed for gift cards starting at $20. You can redeem your Cashback bonuses for cash deposits to either your bank account or as a credit to your Discover card statement starting at $50. Cashback bonuses redeemed in this manner are redeemed in $50 increments.
 

Discover Rewards New Card Holders with 0% APR on Purchases for 9 Months.

When you receive your Discover® Open Road card for Students, you will be rewarded with a special 9-month 0% APR on purchases made with the card. The introductory period for this APR offer lasts for 9 billing cycles from the date the account opens. With a deal like this, your Discover® Open Road Card for Students makes it possible to charge a large transaction without the burden of interest for nine whole months. Paying 0% interest on purchases for 9 months is as good as it gets – just remember that it is best to pay your balance in full before the expiration of the introductory period.
 

Students Have The Option To Design A Card That Best Fits Their Personality

The Discover® Open Road Card for Students lets applicants select a card design that best represents them. For no additional charge, a student can choose among many card variations and change the credit card design to the one they like the best. Some design choices include sports, hobbies, monogram designs, graphical images, animals, classical and popular art, and landscapes, among others. For college environmentalists, Indiana students can even go green with several earth-friendly designs printed on brand new biodegradable cards that will not leave any toxic imprint on the environment.
 

A Bit Of Advice On Handling Your Student Card Responsibly

As can be expected, there are some restrictions and fees associated with the Discover® Open Road Card for Students. As a general rule, it is always a good idea to read the entire Terms and Conditions of any credit card offer before you apply for it. And don’t forget to use common sense with your credit card – if you can’t afford to pay cash for something, don’t charge it. Exercise restraint to avoid graduating with a mountain of debt!
 

In A Nutshell

All in all, the Discover® Open Road Card for Students is an excellent card to have from freshman to senior year. Because Discover is consistently rated as one of the highest scoring companies in terms of customer loyalty and satisfaction according to the Brand Keys Customer Loyalty Engagement Index Report, student card holders often continue their relationship with Discover after they graduate from college. Because of the excellent customer service, protections, and more, it pays to be a part of the Discover family.
 

The Discover® Open Road Card for Students earns you Cashback bonuses on every purchase you make, and double on essentials like gas and restaurant charges. These Cashback bonuses can easily be redeemed for gift cards as small as $20 or cash and for account statement credits in $50 increments or more. Whether you want to shop during your spring break or simply get some of the money you spend on purchases back in your pocket, you should definitely consider the Discover® Open Road Card for Students.
 
With NO annual fee and the current 9-month 0% Introductory APR offer, enrolling with the Discover® Open Road Card for Students is by far one of the best college decisions you can make.
 

Student Credit Cards: Learn The Basics About Interest Rates (APR) and Credit Card Fees

A credit card’s interest rate is one of the most important things a student credit card consumer must understand.

What Does APR mean?

A credit card interest rate is the price the credit card issuer charges its card holders for borrowing money. In the credit card context, the interest rate is stated as an annual rate, commonly referred to the annual percentage rate (APR). With the majority of credit cards, the card holder can avoid having to pay interest on purchases if they pay their balance in full every month.

How Do I Know What The APR Is On My Credit Card?

The APR is commonly located on your monthly credit card statement near the amount owed. The APR will also be set forth in your credit card offer. It is important to note that it is possible for one credit card to have several APRs. Here are some examples to consider:

Can The APR May Be Different For Different Types Of Transactions?

All credit cards have a “purchase APR” which is the interest rate the credit card holder will pay on purchases. In most cases, the card holder will only have to pay interest on purchases if they maintain a balance into the next billing cycle. Typically, credit cards have a different APR for cash advances or balance transfers.

What Is An Introductory APR?

A credit card may have a lower APR during an introductory period and a higher interest rate after at the conclusion of the introductory period. Under Federal law, the duration of the introductory period cannot be less than six months. Moreover, the credit card issuer must disclose what the interest rate will be at the expiration of the introductory period. For example, a credit card’s introductory rate may be 0 percent for six months and then go up to 18.5 percent.

What Is A Penalty APR?

The APR on a credit card may increase if the card holder does something that triggers a penalty under the terms of the agreement. For example, a late payment or a bounced check could allow a credit card issuer to impose a penalty.

What Is The Difference Between A Fixed And A Variable APR?

Generally, a credit card will have a fixed or a variable APR. A “Fixed-rate APR” is an interest rate set at a particular percent which cannot change during the period of time identified in your credit card agreement. If the credit card agreement does not specify a time period for the APR, the rate cannot change as long as your account is open.
 
Unlike the fixed rate APR, a “Variable-rate APR” is subject to change. In some instances, a variable APR may change depending upon fluctuations of an independent index like the prime rate or Treasury bill rate. The credit card application and agreement must disclose how often your card’s APR may change.
 
In some instances, credit card issuers offer a combination of fixed and variable APRs. Typically, credit card issuers offer a fixed-rate APR that becomes a variable rate after the introductory period ends. It is very important that all credit card holders carefully read the terms of the credit card agreement fully to understand if the APR can change and the circumstances which might cause the APR to adjust.

Student Credit Cards: Understanding Credit Card Fees

Typically, credit card charge fees. It is crucial that student credit card holders read the credit card agreement and understand what their credit card fees are or can be at some point in the future. Listed below are some common credit card fees to be aware of when you apply for a student credit card.
Application Fee. The application fee is a fee that may be charged to apply for a credit card.

Annual Fee. An “annual fee”, also referred to as a “membership fee” or “participation fee”, is the amount charged to the credit card customer for the privilege of having the credit card. In some instances, the credit card issuer charges a lump sum annual fee. In other instances, the credit card issuer spreads the cost out and charges a portion of the fee every month.
Set-Up Fee. A “set-up fee” is an amount that a credit card issuer might charge when the new credit card holder opens a new account.
Cash Advance Fee. A “cash advance fee” is the sum that is charged by the credit card issuer when the credit card is used to get cash from an ATM. The fee may be a flat fee (e.g., $5 per transaction), or the fee may be a percentage of the total amount of the cash advance (e.g., 2% percent of the total amount of cash advanced, including any ATM fees).

Balance-Transfer Fee. A “balance-transfer fee” is an amount charged by the credit card issuer when the credit card holder transfers a balance from one credit card to another. Like the “cash advance fee,” the “balance-transfer fee” may be a flat fee (e.g., $5 per transaction) or it may be a percentage of the transfer (e.g., 2% percent of the total amount transferred).

Late-Payment Fee. A “late-payment fee” is a sum charged by the credit card issuer when the credit card holder submits a payment that is received after the due date.
Over-The-Limit Fee. An “over-the-limit fee” is an amount charged by the credit card issuer when the credit card holder exceeds the credit card’s credit limit. Under the law, the credit card customer must authorize the credit card issuer to permit you to go over your limit in order for the credit card issuer to charge the “over-the-limit fee.” If the card holder does not authorize the credit card issuer to permit you to go over your credit limit, your transaction will most likely be declined.

Credit-Limit-Increase Fee. A “credit-limit-increase fee” is a sum charged by the credit card issuer when the credit card holder requests and receives an increased credit limit

Read Your Agreement & Understand Your Rights. Be certain to read the terms of the credit card agreement carefully to understand the services offered by credit card issuers along with all the associated fees. Federal law limits the total fees charged during the first year after new account is opened to 25% of the initial credit limit. In some instances, the credit card issuer may also offer insurance or debt coverage – for a fee.

Similar articles:

Best Student Credit Cards for 2012

Gas Credit Card Rewards

Best Credit Cards for College Students Offer 0% Introductory APR, No Annual Fee and Cash-back Bonus Rewards

Best Student Credit Cards for Spring Break

Student Credit Card Applications

Student credit card applicants from the schools below are welcome to email their comments about the best credit card rewards programs they have uncovered:
 

 
Indiana State Universities (Not associated with Indiana or Purdue University)
Ball State University
Indiana State University
University of Southern Indiana
Indiana University
Indiana University Bloomington
Indiana University East
Indiana University Kokomo
Indiana University Northwest
Indiana University South Bend
Indiana University Southeast
Indiana University – Purdue University Columbus (IUPUC)
Indiana University – Purdue University Fort Wayne (IPFW)
Indiana University – Purdue University Indianapolis (IUPUI)
Ivy Tech Community College of Indiana
Purdue University System
Purdue University (1869)
Purdue University Calumet (1946)
Purdue University North Central
Purdue University College of Technology
Vincennes University

Private liberal arts colleges

Bethel College (Indiana)
DePauw University
Earlham College
Franklin College
Goshen College
Grace College & Seminary
Hanover College
Holy Cross College
Saint Joseph’s College, Indiana
Saint Mary-of-the-Woods College
Saint Mary’s College (Indiana)
Wabash College

Private colleges and universities

Ancilla College
Anderson University
Art Institute of Indianapolis
Butler University
Calumet College of St. Joseph
Christian Theological Seminary
Concordia Theological Seminary (Fort Wayne campus)
Crossroads Bible College
DeVry University
Huntington University
Hyles-Anderson College
Indiana Institute of Technology
Indiana Wesleyan University
Kaplan College
Manchester College (Indiana)
Marian University
Martin University
Oakland City University
Rose-Hulman Institute of Technology
Saint Meinrad School of Theology
Taylor University
Trine University (formerly known as Tri-State University)
University of Evansville
University of Indianapolis
University of Notre Dame
University of Saint Francis
Valparaiso University
WGU Indiana

 
Featured Student Credit Card

The Discover® Open Road Card for Students is our top pick in 2012 for Iowa student credit card applicants. Here are some of the rewards and features that approved Iowa student applicants can enjoy:
 
With the Discover® Open Road Card for Students, card holders earn cashback bonuses on every single purchase made. Another exciting feature is that all new customers will receive a special 0% APR financing offer during the first 9 months of opening a new account. Some of the other popular features we think Iowa students will appreciate include:
 

• Earn Double Cashback Bonuses on Gas and Restaurant Purchases
• Earn 1% Cashback Bonuses on Every Eligible Purchase
• Enjoy Special 9-Month 0% Introductory APR Offer for Purchases
• Receive up to 20% Cashback Bonus by shopping at Discover’s online mall
• No Annual Fee
 

Another reason the Discover® Open Road Card for Students tops our list is that it gives students a variety of ways to redeem the Cashback bonuses earned – students can choose to get cash back or can select something else. Most importantly, there’s no annual fee associated with this credit card offer. With all of these great features on this customizable credit card, it’s not hard to see why Iowa college students are giving the Discover® Open Road card for Students an A+.
 

• Eat At a Restaurant. Fill Up Your Gas Tank and Earn Double Cashback Bonuses

As Iowa students can appreciate, the Discover® Open Road Card for Students is the perfect card to have if you are planning a college road trip, driving home to see your folks, or just heading over to a restaurant for some late night study snacks. Card holders will earn Cashback bonuses for each and every purchase make, plus extra Cashback bonuses when you buy gasoline for your car.
 

Here’s how it works. You will earn Cashback Bonuses on every purchase at different rates. First, you will earn .25% cash back on every purchase made with your card until your annual spending reaches $3,000. After you reach the $3,000 annual threshold, you’ll earn a 1% Cashback bonus on every purchase you make and there is no limit to the amount of cash back you can earn at this level. Some students charge tuition, rent, books, meals, gas and airline tickets exclusively on this card and watch the cash back rewards pile up fast. Consistently using this credit card as your go-to card is a good strategy for getting the most rewards out of your card.
 

• Earn Double Cashback Bonus on Gas and Food – Here are the details. Students who eat out at any Restaurant or fill up their cars at any gas station will earn a double Cashback bonus on the first $250 spent on gas and restaurants every month. After the $250 monthly gas and restaurant limit is reached, students will continue to earn Cashback bonuses at the regular rate.

Student card holders will also earn up to 20% Cashback Bonuses through online shopping at popular retailers through www.ShopDiscover.com.
 

Although purchases made at warehouse clubs, discount stores, and their affiliates do not count towards the $3,000 yearly threshold that must be met in order to earn the 1% cash back, purchases made at these businesses will earn members a .25% Cashback bonus all year long. It bears repeating that there is no limit to the amount of Cashback bonuses that can be accrued, and Cashback bonuses will never expire as long as your account remains active and current.
 

Cashback Bonuses can be Redeemed for More Than Just Cash.

Students, like all other credit card consumers, like to have the option to choose how to use the rewards they earn. With this credit card product, cash back bonuses can be redeemed for a long list of popular alternatives to cash. For example, rewards can be redeemed for:
 
• E-Certificates or Gift Cards with over 100 brand-name retailers
• Brand-name merchandise shipped to any U.S. Street address for no additional charge
• Discover Gift Cards which are valid anywhere Discover cards are accepted
• Cash as electronic bank deposit or as a statement credit towards your balance
 

Iowa students like the fact that cashback bonuses can be redeemed for gift cards starting at $20. You can redeem your Cashback bonuses for cash deposits to either your bank account or as a credit to your Discover card statement starting at $50. Cashback bonuses redeemed in this manner are redeemed in $50 increments.
 

Discover Rewards New Card Holders with 0% APR on Purchases for 9 Months.

When you receive your Discover® Open Road card for Students, you will be rewarded with a special 9-month 0% APR on purchases made with the card. The introductory period for this APR offer lasts for 9 billing cycles from the date the account opens. With a deal like this, your Discover® Open Road Card for Students makes it possible to charge a large transaction without the burden of interest for nine whole months. Paying 0% interest on purchases for 9 months is as good as it gets – just remember that it is best to pay your balance in full before the expiration of the introductory period.
 

Students Have The Option To Design A Card That Best Fits Their Personality

The Discover® Open Road Card for Students lets applicants select a card design that best represents them. For no additional charge, a student can choose among many card variations and change the credit card design to the one they like the best. Some design choices include sports, hobbies, monogram designs, graphical images, animals, classical and popular art, and landscapes, among others. For college environmentalists, Iowa students can even go green with several earth-friendly designs printed on brand new biodegradable cards that will not leave any toxic imprint on the environment.
 

A Bit Of Advice On Handling Your Student Card Responsibly

As can be expected, there are some restrictions and fees associated with the Discover® Open Road Card for Students. As a general rule, it is always a good idea to read the entire Terms and Conditions of any credit card offer before you apply for it. And don’t forget to use common sense with your credit card – if you can’t afford to pay cash for something, don’t charge it. Exercise restraint to avoid graduating with a mountain of debt!
 

In A Nutshell

All in all, the Discover® Open Road Card for Students is an excellent card to have from freshman to senior year. Because Discover is consistently rated as one of the highest scoring companies in terms of customer loyalty and satisfaction according to the Brand Keys Customer Loyalty Engagement Index Report, student card holders often continue their relationship with Discover after they graduate from college. Because of the excellent customer service, protections, and more, it pays to be a part of the Discover family.
 

The Discover® Open Road Card for Students earns you Cashback bonuses on every purchase you make, and double on essentials like gas and restaurant charges. These Cashback bonuses can easily be redeemed for gift cards as small as $20 or cash and for account statement credits in $50 increments or more. Whether you want to shop during your spring break or simply get some of the money you spend on purchases back in your pocket, you should definitely consider the Discover® Open Road Card for Students.
 
With NO annual fee and the current 9-month 0% Introductory APR offer, enrolling with the Discover® Open Road Card for Students is by far one of the best college decisions you can make.
 

Student Credit Cards: Learn The Basics About Interest Rates (APR) and Credit Card Fees

A credit card’s interest rate is one of the most important things a student credit card consumer must understand.

What Does APR mean?

A credit card interest rate is the price the credit card issuer charges its card holders for borrowing money. In the credit card context, the interest rate is stated as an annual rate, commonly referred to the annual percentage rate (APR). With the majority of credit cards, the card holder can avoid having to pay interest on purchases if they pay their balance in full every month.

How Do I Know What The APR Is On My Credit Card?

The APR is commonly located on your monthly credit card statement near the amount owed. The APR will also be set forth in your credit card offer. It is important to note that it is possible for one credit card to have several APRs. Here are some examples to consider:

Can The APR May Be Different For Different Types Of Transactions?

All credit cards have a “purchase APR” which is the interest rate the credit card holder will pay on purchases. In most cases, the card holder will only have to pay interest on purchases if they maintain a balance into the next billing cycle. Typically, credit cards have a different APR for cash advances or balance transfers.

What Is An Introductory APR?

A credit card may have a lower APR during an introductory period and a higher interest rate after at the conclusion of the introductory period. Under Federal law, the duration of the introductory period cannot be less than six months. Moreover, the credit card issuer must disclose what the interest rate will be at the expiration of the introductory period. For example, a credit card’s introductory rate may be 0 percent for six months and then go up to 18.5 percent.

What Is A Penalty APR?

The APR on a credit card may increase if the card holder does something that triggers a penalty under the terms of the agreement. For example, a late payment or a bounced check could allow a credit card issuer to impose a penalty.

What Is The Difference Between A Fixed And A Variable APR?

Generally, a credit card will have a fixed or a variable APR. A “Fixed-rate APR” is an interest rate set at a particular percent which cannot change during the period of time identified in your credit card agreement. If the credit card agreement does not specify a time period for the APR, the rate cannot change as long as your account is open.
 
Unlike the fixed rate APR, a “Variable-rate APR” is subject to change. In some instances, a variable APR may change depending upon fluctuations of an independent index like the prime rate or Treasury bill rate. The credit card application and agreement must disclose how often your card’s APR may change.
 
In some instances, credit card issuers offer a combination of fixed and variable APRs. Typically, credit card issuers offer a fixed-rate APR that becomes a variable rate after the introductory period ends. It is very important that all credit card holders carefully read the terms of the credit card agreement fully to understand if the APR can change and the circumstances which might cause the APR to adjust.

Student Credit Cards: Understanding Credit Card Fees

Typically, credit card charge fees. It is crucial that student credit card holders read the credit card agreement and understand what their credit card fees are or can be at some point in the future. Listed below are some common credit card fees to be aware of when you apply for a student credit card.
Application Fee. The application fee is a fee that may be charged to apply for a credit card.

Annual Fee. An “annual fee”, also referred to as a “membership fee” or “participation fee”, is the amount charged to the credit card customer for the privilege of having the credit card. In some instances, the credit card issuer charges a lump sum annual fee. In other instances, the credit card issuer spreads the cost out and charges a portion of the fee every month.
Set-Up Fee. A “set-up fee” is an amount that a credit card issuer might charge when the new credit card holder opens a new account.
Cash Advance Fee. A “cash advance fee” is the sum that is charged by the credit card issuer when the credit card is used to get cash from an ATM. The fee may be a flat fee (e.g., $5 per transaction), or the fee may be a percentage of the total amount of the cash advance (e.g., 2% percent of the total amount of cash advanced, including any ATM fees).

Balance-Transfer Fee. A “balance-transfer fee” is an amount charged by the credit card issuer when the credit card holder transfers a balance from one credit card to another. Like the “cash advance fee,” the “balance-transfer fee” may be a flat fee (e.g., $5 per transaction) or it may be a percentage of the transfer (e.g., 2% percent of the total amount transferred).

Late-Payment Fee. A “late-payment fee” is a sum charged by the credit card issuer when the credit card holder submits a payment that is received after the due date.
Over-The-Limit Fee. An “over-the-limit fee” is an amount charged by the credit card issuer when the credit card holder exceeds the credit card’s credit limit. Under the law, the credit card customer must authorize the credit card issuer to permit you to go over your limit in order for the credit card issuer to charge the “over-the-limit fee.” If the card holder does not authorize the credit card issuer to permit you to go over your credit limit, your transaction will most likely be declined.

Credit-Limit-Increase Fee. A “credit-limit-increase fee” is a sum charged by the credit card issuer when the credit card holder requests and receives an increased credit limit

Read Your Agreement & Understand Your Rights. Be certain to read the terms of the credit card agreement carefully to understand the services offered by credit card issuers along with all the associated fees. Federal law limits the total fees charged during the first year after new account is opened to 25% of the initial credit limit. In some instances, the credit card issuer may also offer insurance or debt coverage – for a fee.

Similar articles:

Best Student Credit Cards for 2012

Gas Credit Card Rewards

Best Credit Cards for College Students Offer 0% Introductory APR, No Annual Fee and Cash-back Bonus Rewards

Best Student Credit Cards for Spring Break

Student Credit Card Applications

Student credit card applicants from the schools below are welcome to email their comments about the best credit card rewards programs they have uncovered:

 
The Art Institutes International – Iowa City
Associated Mennonite Biblical Seminary – Great Plains
Baker University
Barclay College
Benedictine College
Bethany College
Bethel College
Brown Mackie
Central Christian College
Cleveland Chiropractic College
Friends University
Hesston College
ITT Technical Institute, Wichita Iowa
Iowa City College and Bible School
Iowa Wesleyan University
Manhattan Christian College
McPherson College
MidAmerica Nazarene University
National American University – Overland Park
Newman University
Ottawa University
St. Mary’s College and Academy
Southwestern College
Sterling College
Tabor College
University of Saint Mary
Iowa College of Chinese Medicine
Vatterott College

Public colleges and universities
State universities

Emporia State University
Fort Hays State University
Iowa State University
Pittsburg State University
University of Iowa
Wichita State University

Municipal universities

Washburn University

Federal or Military colleges and universities

Haskell Indian Nations University
United States Army Command and General Staff College

Community colleges

Allen County Community College
Barton County Community College
Butler County Community College
Cloud County Community College
Coffeyville Community College and Area Technical School
Colby Community College
Cowley County Community College
Dodge City Community College
Fort Scott Community College
Garden City Community College
Highland Community College
Hutchinson Community College
Independence Community College
Johnson County Community College
Iowa City Iowa Community College
Labette Community College
Neosho County Community College
Pratt Community College
Seward County Community College

Technical colleges and schools

American Institute of Baking
Coffeyville Community College and Area Technical School
Kaw Area Technical School (Now Washburn Institute of Technology)
Wichita Area Technical College
Manhattan Area Technical College
Pinnacle Career Institute
Flint Hills Technical College
Northwest Iowa Technical College
Salina Area Technical College
North Central Iowa Technical College

 
Featured Student Credit Card

The Discover® Open Road Card for Students is our top pick in 2012 for Kansas student credit card applicants. Here are some of the rewards and features that approved Kansas student applicants can enjoy:
 
With the Discover® Open Road Card for Students, card holders earn cashback bonuses on every single purchase made. Another exciting feature is that all new customers will receive a special 0% APR financing offer during the first 9 months of opening a new account. Some of the other popular features we think Kansas students will appreciate include:
 

• Earn Double Cashback Bonuses on Gas and Restaurant Purchases
• Earn 1% Cashback Bonuses on Every Eligible Purchase
• Enjoy Special 9-Month 0% Introductory APR Offer for Purchases
• Receive up to 20% Cashback Bonus by shopping at Discover’s online mall
• No Annual Fee
 

Another reason the Discover® Open Road Card for Students tops our list is that it gives students a variety of ways to redeem the Cashback bonuses earned – students can choose to get cash back or can select something else. Most importantly, there’s no annual fee associated with this credit card offer. With all of these great features on this customizable credit card, it’s not hard to see why Kansas college students are giving the Discover® Open Road card for Students an A+.
 

• Eat At a Restaurant. Fill Up Your Gas Tank and Earn Double Cashback Bonuses

As Kansas students can appreciate, the Discover® Open Road Card for Students is the perfect card to have if you are planning a college road trip, driving home to see your folks, or just heading over to a restaurant for some late night study snacks. Card holders will earn Cashback bonuses for each and every purchase make, plus extra Cashback bonuses when you buy gasoline for your car.
 

Here’s how it works. You will earn Cashback Bonuses on every purchase at different rates. First, you will earn .25% cash back on every purchase made with your card until your annual spending reaches $3,000. After you reach the $3,000 annual threshold, you’ll earn a 1% Cashback bonus on every purchase you make and there is no limit to the amount of cash back you can earn at this level. Some students charge tuition, rent, books, meals, gas and airline tickets exclusively on this card and watch the cash back rewards pile up fast. Consistently using this credit card as your go-to card is a good strategy for getting the most rewards out of your card.
 

• Earn Double Cashback Bonus on Gas and Food – Here are the details. Students who eat out at any Restaurant or fill up their cars at any gas station will earn a double Cashback bonus on the first $250 spent on gas and restaurants every month. After the $250 monthly gas and restaurant limit is reached, students will continue to earn Cashback bonuses at the regular rate.

Student card holders will also earn up to 20% Cashback Bonuses through online shopping at popular retailers through www.ShopDiscover.com.
 

Although purchases made at warehouse clubs, discount stores, and their affiliates do not count towards the $3,000 yearly threshold that must be met in order to earn the 1% cash back, purchases made at these businesses will earn members a .25% Cashback bonus all year long. It bears repeating that there is no limit to the amount of Cashback bonuses that can be accrued, and Cashback bonuses will never expire as long as your account remains active and current.
 

Cashback Bonuses can be Redeemed for More Than Just Cash.

Students, like all other credit card consumers, like to have the option to choose how to use the rewards they earn. With this credit card product, cash back bonuses can be redeemed for a long list of popular alternatives to cash. For example, rewards can be redeemed for:
 
• E-Certificates or Gift Cards with over 100 brand-name retailers
• Brand-name merchandise shipped to any U.S. Street address for no additional charge
• Discover Gift Cards which are valid anywhere Discover cards are accepted
• Cash as electronic bank deposit or as a statement credit towards your balance
 

Kansas students like the fact that cashback bonuses can be redeemed for gift cards starting at $20. You can redeem your Cashback bonuses for cash deposits to either your bank account or as a credit to your Discover card statement starting at $50. Cashback bonuses redeemed in this manner are redeemed in $50 increments.
 

Discover Rewards New Card Holders with 0% APR on Purchases for 9 Months.

When you receive your Discover® Open Road card for Students, you will be rewarded with a special 9-month 0% APR on purchases made with the card. The introductory period for this APR offer lasts for 9 billing cycles from the date the account opens. With a deal like this, your Discover® Open Road Card for Students makes it possible to charge a large transaction without the burden of interest for nine whole months. Paying 0% interest on purchases for 9 months is as good as it gets – just remember that it is best to pay your balance in full before the expiration of the introductory period.
 

Students Have The Option To Design A Card That Best Fits Their Personality

The Discover® Open Road Card for Students lets applicants select a card design that best represents them. For no additional charge, a student can choose among many card variations and change the credit card design to the one they like the best. Some design choices include sports, hobbies, monogram designs, graphical images, animals, classical and popular art, and landscapes, among others. For college environmentalists, Kansas students can even go green with several earth-friendly designs printed on brand new biodegradable cards that will not leave any toxic imprint on the environment.
 

A Bit Of Advice On Handling Your Student Card Responsibly

As can be expected, there are some restrictions and fees associated with the Discover® Open Road Card for Students. As a general rule, it is always a good idea to read the entire Terms and Conditions of any credit card offer before you apply for it. And don’t forget to use common sense with your credit card – if you can’t afford to pay cash for something, don’t charge it. Exercise restraint to avoid graduating with a mountain of debt!
 

In A Nutshell

All in all, the Discover® Open Road Card for Students is an excellent card to have from freshman to senior year. Because Discover is consistently rated as one of the highest scoring companies in terms of customer loyalty and satisfaction according to the Brand Keys Customer Loyalty Engagement Index Report, student card holders often continue their relationship with Discover after they graduate from college. Because of the excellent customer service, protections, and more, it pays to be a part of the Discover family.
 

The Discover® Open Road Card for Students earns you Cashback bonuses on every purchase you make, and double on essentials like gas and restaurant charges. These Cashback bonuses can easily be redeemed for gift cards as small as $20 or cash and for account statement credits in $50 increments or more. Whether you want to shop during your spring break or simply get some of the money you spend on purchases back in your pocket, you should definitely consider the Discover® Open Road Card for Students.
 
With NO annual fee and the current 9-month 0% Introductory APR offer, enrolling with the Discover® Open Road Card for Students is by far one of the best college decisions you can make.
 

Student Credit Cards: Learn The Basics About Interest Rates (APR) and Credit Card Fees

A credit card’s interest rate is one of the most important things a student credit card consumer must understand.

What Does APR mean?

A credit card interest rate is the price the credit card issuer charges its card holders for borrowing money. In the credit card context, the interest rate is stated as an annual rate, commonly referred to the annual percentage rate (APR). With the majority of credit cards, the card holder can avoid having to pay interest on purchases if they pay their balance in full every month.

How Do I Know What The APR Is On My Credit Card?

The APR is commonly located on your monthly credit card statement near the amount owed. The APR will also be set forth in your credit card offer. It is important to note that it is possible for one credit card to have several APRs. Here are some examples to consider:

Can The APR May Be Different For Different Types Of Transactions?

All credit cards have a “purchase APR” which is the interest rate the credit card holder will pay on purchases. In most cases, the card holder will only have to pay interest on purchases if they maintain a balance into the next billing cycle. Typically, credit cards have a different APR for cash advances or balance transfers.

What Is An Introductory APR?

A credit card may have a lower APR during an introductory period and a higher interest rate after at the conclusion of the introductory period. Under Federal law, the duration of the introductory period cannot be less than six months. Moreover, the credit card issuer must disclose what the interest rate will be at the expiration of the introductory period. For example, a credit card’s introductory rate may be 0 percent for six months and then go up to 18.5 percent.

What Is A Penalty APR?

The APR on a credit card may increase if the card holder does something that triggers a penalty under the terms of the agreement. For example, a late payment or a bounced check could allow a credit card issuer to impose a penalty.

What Is The Difference Between A Fixed And A Variable APR?

Generally, a credit card will have a fixed or a variable APR. A “Fixed-rate APR” is an interest rate set at a particular percent which cannot change during the period of time identified in your credit card agreement. If the credit card agreement does not specify a time period for the APR, the rate cannot change as long as your account is open.
 
Unlike the fixed rate APR, a “Variable-rate APR” is subject to change. In some instances, a variable APR may change depending upon fluctuations of an independent index like the prime rate or Treasury bill rate. The credit card application and agreement must disclose how often your card’s APR may change.
 
In some instances, credit card issuers offer a combination of fixed and variable APRs. Typically, credit card issuers offer a fixed-rate APR that becomes a variable rate after the introductory period ends. It is very important that all credit card holders carefully read the terms of the credit card agreement fully to understand if the APR can change and the circumstances which might cause the APR to adjust.

Student Credit Cards: Understanding Credit Card Fees

Typically, credit card charge fees. It is crucial that student credit card holders read the credit card agreement and understand what their credit card fees are or can be at some point in the future. Listed below are some common credit card fees to be aware of when you apply for a student credit card.
Application Fee. The application fee is a fee that may be charged to apply for a credit card.

Annual Fee. An “annual fee”, also referred to as a “membership fee” or “participation fee”, is the amount charged to the credit card customer for the privilege of having the credit card. In some instances, the credit card issuer charges a lump sum annual fee. In other instances, the credit card issuer spreads the cost out and charges a portion of the fee every month.
Set-Up Fee. A “set-up fee” is an amount that a credit card issuer might charge when the new credit card holder opens a new account.
Cash Advance Fee. A “cash advance fee” is the sum that is charged by the credit card issuer when the credit card is used to get cash from an ATM. The fee may be a flat fee (e.g., $5 per transaction), or the fee may be a percentage of the total amount of the cash advance (e.g., 2% percent of the total amount of cash advanced, including any ATM fees).

Balance-Transfer Fee. A “balance-transfer fee” is an amount charged by the credit card issuer when the credit card holder transfers a balance from one credit card to another. Like the “cash advance fee,” the “balance-transfer fee” may be a flat fee (e.g., $5 per transaction) or it may be a percentage of the transfer (e.g., 2% percent of the total amount transferred).

Late-Payment Fee. A “late-payment fee” is a sum charged by the credit card issuer when the credit card holder submits a payment that is received after the due date.
Over-The-Limit Fee. An “over-the-limit fee” is an amount charged by the credit card issuer when the credit card holder exceeds the credit card’s credit limit. Under the law, the credit card customer must authorize the credit card issuer to permit you to go over your limit in order for the credit card issuer to charge the “over-the-limit fee.” If the card holder does not authorize the credit card issuer to permit you to go over your credit limit, your transaction will most likely be declined.

Credit-Limit-Increase Fee. A “credit-limit-increase fee” is a sum charged by the credit card issuer when the credit card holder requests and receives an increased credit limit

Read Your Agreement & Understand Your Rights. Be certain to read the terms of the credit card agreement carefully to understand the services offered by credit card issuers along with all the associated fees. Federal law limits the total fees charged during the first year after new account is opened to 25% of the initial credit limit. In some instances, the credit card issuer may also offer insurance or debt coverage – for a fee.

Similar articles:

Best Student Credit Cards for 2012

Gas Credit Card Rewards

Best Credit Cards for College Students Offer 0% Introductory APR, No Annual Fee and Cash-back Bonus Rewards

Best Student Credit Cards for Spring Break

Student Credit Card Applications

Student credit card applicants from the schools below are welcome to email their comments about the best credit card rewards programs they have uncovered:

 
The Art Institutes International – Kansas City
Associated Mennonite Biblical Seminary – Great Plains
Baker University
Barclay College
Benedictine College
Bethany College
Bethel College
Brown Mackie
Central Christian College
Cleveland Chiropractic College
Friends University
Hesston College
ITT Technical Institute, Wichita Kansas
Kansas City College and Bible School
Kansas Wesleyan University
Manhattan Christian College
McPherson College
MidAmerica Nazarene University
National American University – Overland Park
Newman University
Ottawa University
St. Mary’s College and Academy
Southwestern College
Sterling College
Tabor College
University of Saint Mary
Kansas College of Chinese Medicine
Vatterott College

Public colleges and universities
State universities

Emporia State University
Fort Hays State University
Kansas State University
Pittsburg State University
University of Kansas
Wichita State University

Municipal universities

Washburn University

Federal or Military colleges and universities

Haskell Indian Nations University
United States Army Command and General Staff College

Community colleges

Allen County Community College
Barton County Community College
Butler County Community College
Cloud County Community College
Coffeyville Community College and Area Technical School
Colby Community College
Cowley County Community College
Dodge City Community College
Fort Scott Community College
Garden City Community College
Highland Community College
Hutchinson Community College
Independence Community College
Johnson County Community College
Kansas City Kansas Community College
Labette Community College
Neosho County Community College
Pratt Community College
Seward County Community College

Technical colleges and schools

American Institute of Baking
Coffeyville Community College and Area Technical School
Kaw Area Technical School (Now Washburn Institute of Technology)
Wichita Area Technical College
Manhattan Area Technical College
Pinnacle Career Institute
Flint Hills Technical College
Northwest Kansas Technical College
Salina Area Technical College
North Central Kansas Technical College

 
Featured Student Credit Card

The Discover® Open Road Card for Students is our top pick in 2012 for Wisconsin student credit card applicants. Here are some of the rewards and features that approved Wisconsin student applicants can enjoy:
 
With the Discover® Open Road Card for Students, card holders earn cashback bonuses on every single purchase made. Another exciting feature is that all new customers will receive a special 0% APR financing offer during the first 9 months of opening a new account. Some of the other popular features we think Wisconsin students will appreciate include:
 

• Earn Double Cashback Bonuses on Gas and Restaurant Purchases
• Earn 1% Cashback Bonuses on Every Eligible Purchase
• Enjoy Special 9-Month 0% Introductory APR Offer for Purchases
• Receive up to 20% Cashback Bonus by shopping at Discover’s online mall
• No Annual Fee
 

Another reason the Discover® Open Road Card for Students tops our list is that it gives students a variety of ways to redeem the Cashback bonuses earned – students can choose to get cash back or can select something else. Most importantly, there’s no annual fee associated with this credit card offer. With all of these great features on this customizable credit card, it’s not hard to see why Wisconsin college students are giving the Discover® Open Road card for Students an A+.
 

• Eat At a Restaurant. Fill Up Your Gas Tank and Earn Double Cashback Bonuses

As Wisconsin students can appreciate, the Discover® Open Road Card for Students is the perfect card to have if you are planning a college road trip, driving home to see your folks, or just heading over to a restaurant for some late night study snacks. Card holders will earn Cashback bonuses for each and every purchase make, plus extra Cashback bonuses when you buy gasoline for your car.
 

Here’s how it works. You will earn Cashback Bonuses on every purchase at different rates. First, you will earn .25% cash back on every purchase made with your card until your annual spending reaches $3,000. After you reach the $3,000 annual threshold, you’ll earn a 1% Cashback bonus on every purchase you make and there is no limit to the amount of cash back you can earn at this level. Some students charge tuition, rent, books, meals, gas and airline tickets exclusively on this card and watch the cash back rewards pile up fast. Consistently using this credit card as your go-to card is a good strategy for getting the most rewards out of your card.
 

• Earn Double Cashback Bonus on Gas and Food – Here are the details. Students who eat out at any Restaurant or fill up their cars at any gas station will earn a double Cashback bonus on the first $250 spent on gas and restaurants every month. After the $250 monthly gas and restaurant limit is reached, students will continue to earn Cashback bonuses at the regular rate.

Student card holders will also earn up to 20% Cashback Bonuses through online shopping at popular retailers through www.ShopDiscover.com.
 

Although purchases made at warehouse clubs, discount stores, and their affiliates do not count towards the $3,000 yearly threshold that must be met in order to earn the 1% cash back, purchases made at these businesses will earn members a .25% Cashback bonus all year long. It bears repeating that there is no limit to the amount of Cashback bonuses that can be accrued, and Cashback bonuses will never expire as long as your account remains active and current.
 

Cashback Bonuses can be Redeemed for More Than Just Cash.

Students, like all other credit card consumers, like to have the option to choose how to use the rewards they earn. With this credit card product, cash back bonuses can be redeemed for a long list of popular alternatives to cash. For example, rewards can be redeemed for:
 
• E-Certificates or Gift Cards with over 100 brand-name retailers
• Brand-name merchandise shipped to any U.S. Street address for no additional charge
• Discover Gift Cards which are valid anywhere Discover cards are accepted
• Cash as electronic bank deposit or as a statement credit towards your balance
 

Wisconsin students like the fact that cashback bonuses can be redeemed for gift cards starting at $20. You can redeem your Cashback bonuses for cash deposits to either your bank account or as a credit to your Discover card statement starting at $50. Cashback bonuses redeemed in this manner are redeemed in $50 increments.
 

Discover Rewards New Card Holders with 0% APR on Purchases for 9 Months.

When you receive your Discover® Open Road card for Students, you will be rewarded with a special 9-month 0% APR on purchases made with the card. The introductory period for this APR offer lasts for 9 billing cycles from the date the account opens. With a deal like this, your Discover® Open Road Card for Students makes it possible to charge a large transaction without the burden of interest for nine whole months. Paying 0% interest on purchases for 9 months is as good as it gets – just remember that it is best to pay your balance in full before the expiration of the introductory period.
 

Students Have The Option To Design A Card That Best Fits Their Personality

The Discover® Open Road Card for Students lets applicants select a card design that best represents them. For no additional charge, a student can choose among many card variations and change the credit card design to the one they like the best. Some design choices include sports, hobbies, monogram designs, graphical images, animals, classical and popular art, and landscapes, among others. For college environmentalists, Wisconsin students can even go green with several earth-friendly designs printed on brand new biodegradable cards that will not leave any toxic imprint on the environment.
 

A Bit Of Advice On Handling Your Student Card Responsibly

As can be expected, there are some restrictions and fees associated with the Discover® Open Road Card for Students. As a general rule, it is always a good idea to read the entire Terms and Conditions of any credit card offer before you apply for it. And don’t forget to use common sense with your credit card – if you can’t afford to pay cash for something, don’t charge it. Exercise restraint to avoid graduating with a mountain of debt!
 

In A Nutshell

All in all, the Discover® Open Road Card for Students is an excellent card to have from freshman to senior year. Because Discover is consistently rated as one of the highest scoring companies in terms of customer loyalty and satisfaction according to the Brand Keys Customer Loyalty Engagement Index Report, student card holders often continue their relationship with Discover after they graduate from college. Because of the excellent customer service, protections, and more, it pays to be a part of the Discover family.
 

The Discover® Open Road Card for Students earns you Cashback bonuses on every purchase you make, and double on essentials like gas and restaurant charges. These Cashback bonuses can easily be redeemed for gift cards as small as $20 or cash and for account statement credits in $50 increments or more. Whether you want to shop during your spring break or simply get some of the money you spend on purchases back in your pocket, you should definitely consider the Discover® Open Road Card for Students.
 
With NO annual fee and the current 9-month 0% Introductory APR offer, enrolling with the Discover® Open Road Card for Students is by far one of the best college decisions you can make.
 

Student Credit Cards: Learn The Basics About Interest Rates (APR) and Credit Card Fees

A credit card’s interest rate is one of the most important things a student credit card consumer must understand.

What Does APR mean?

A credit card interest rate is the price the credit card issuer charges its card holders for borrowing money. In the credit card context, the interest rate is stated as an annual rate, commonly referred to the annual percentage rate (APR). With the majority of credit cards, the card holder can avoid having to pay interest on purchases if they pay their balance in full every month.

How Do I Know What The APR Is On My Credit Card?

The APR is commonly located on your monthly credit card statement near the amount owed. The APR will also be set forth in your credit card offer. It is important to note that it is possible for one credit card to have several APRs. Here are some examples to consider:

Can The APR May Be Different For Different Types Of Transactions?

All credit cards have a “purchase APR” which is the interest rate the credit card holder will pay on purchases. In most cases, the card holder will only have to pay interest on purchases if they maintain a balance into the next billing cycle. Typically, credit cards have a different APR for cash advances or balance transfers.

What Is An Introductory APR?

A credit card may have a lower APR during an introductory period and a higher interest rate after at the conclusion of the introductory period. Under Federal law, the duration of the introductory period cannot be less than six months. Moreover, the credit card issuer must disclose what the interest rate will be at the expiration of the introductory period. For example, a credit card’s introductory rate may be 0 percent for six months and then go up to 18.5 percent.

What Is A Penalty APR?

The APR on a credit card may increase if the card holder does something that triggers a penalty under the terms of the agreement. For example, a late payment or a bounced check could allow a credit card issuer to impose a penalty.

What Is The Difference Between A Fixed And A Variable APR?

Generally, a credit card will have a fixed or a variable APR. A “Fixed-rate APR” is an interest rate set at a particular percent which cannot change during the period of time identified in your credit card agreement. If the credit card agreement does not specify a time period for the APR, the rate cannot change as long as your account is open.
 
Unlike the fixed rate APR, a “Variable-rate APR” is subject to change. In some instances, a variable APR may change depending upon fluctuations of an independent index like the prime rate or Treasury bill rate. The credit card application and agreement must disclose how often your card’s APR may change.
 
In some instances, credit card issuers offer a combination of fixed and variable APRs. Typically, credit card issuers offer a fixed-rate APR that becomes a variable rate after the introductory period ends. It is very important that all credit card holders carefully read the terms of the credit card agreement fully to understand if the APR can change and the circumstances which might cause the APR to adjust.

Student Credit Cards: Understanding Credit Card Fees

Typically, credit card charge fees. It is crucial that student credit card holders read the credit card agreement and understand what their credit card fees are or can be at some point in the future. Listed below are some common credit card fees to be aware of when you apply for a student credit card.
Application Fee. The application fee is a fee that may be charged to apply for a credit card.

Annual Fee. An “annual fee”, also referred to as a “membership fee” or “participation fee”, is the amount charged to the credit card customer for the privilege of having the credit card. In some instances, the credit card issuer charges a lump sum annual fee. In other instances, the credit card issuer spreads the cost out and charges a portion of the fee every month.
Set-Up Fee. A “set-up fee” is an amount that a credit card issuer might charge when the new credit card holder opens a new account.
Cash Advance Fee. A “cash advance fee” is the sum that is charged by the credit card issuer when the credit card is used to get cash from an ATM. The fee may be a flat fee (e.g., $5 per transaction), or the fee may be a percentage of the total amount of the cash advance (e.g., 2% percent of the total amount of cash advanced, including any ATM fees).

Balance-Transfer Fee. A “balance-transfer fee” is an amount charged by the credit card issuer when the credit card holder transfers a balance from one credit card to another. Like the “cash advance fee,” the “balance-transfer fee” may be a flat fee (e.g., $5 per transaction) or it may be a percentage of the transfer (e.g., 2% percent of the total amount transferred).

Late-Payment Fee. A “late-payment fee” is a sum charged by the credit card issuer when the credit card holder submits a payment that is received after the due date.
Over-The-Limit Fee. An “over-the-limit fee” is an amount charged by the credit card issuer when the credit card holder exceeds the credit card’s credit limit. Under the law, the credit card customer must authorize the credit card issuer to permit you to go over your limit in order for the credit card issuer to charge the “over-the-limit fee.” If the card holder does not authorize the credit card issuer to permit you to go over your credit limit, your transaction will most likely be declined.

Credit-Limit-Increase Fee. A “credit-limit-increase fee” is a sum charged by the credit card issuer when the credit card holder requests and receives an increased credit limit

Read Your Agreement & Understand Your Rights. Be certain to read the terms of the credit card agreement carefully to understand the services offered by credit card issuers along with all the associated fees. Federal law limits the total fees charged during the first year after new account is opened to 25% of the initial credit limit. In some instances, the credit card issuer may also offer insurance or debt coverage – for a fee.

Similar articles:

Best Student Credit Cards for 2012

Gas Credit Card Rewards

Best Credit Cards for College Students Offer 0% Introductory APR, No Annual Fee and Cash-back Bonus Rewards

Best Student Credit Cards for Spring Break

Student Credit Card Applications

Student credit card applicants from the schools below are welcome to email their comments about the best credit card rewards programs they have uncovered:

 
University of Wisconsin–Eau Claire
University of Wisconsin–Green Bay
University of Wisconsin–La Crosse
University of Wisconsin–Oshkosh
University of Wisconsin–Parkside (Kenosha)
University of Wisconsin–Platteville
University of Wisconsin–River Falls
University of Wisconsin–Stevens Point
University of Wisconsin–Stout (Menomonie)
University of Wisconsin–Superior
University of Wisconsin–Whitewater

Alverno College (Milwaukee)
Beloit College (Beloit)
Cardinal Stritch University (Milwaukee)
Carroll University (Waukesha)
Carthage College (Kenosha)
Concordia University Wisconsin (Mequon)
Edgewood College (Madison)
Lakeland College (Plymouth)
Lawrence University (Appleton)
Marian University (Fond du Lac)
Milwaukee Institute of Art and Design (Milwaukee)
Milwaukee School of Engineering (Milwaukee)
Mount Mary College (Milwaukee)
Northland College (Ashland)
Ripon College (Ripon)
St. Norbert College (De Pere)
Silver Lake College (Manitowoc)
Viterbo University (La Crosse)
Wisconsin Lutheran College (Milwaukee)

Our team has compiled a list of the best student credit card offers for 2012 which offer Wyoming students the most attractive and beneficial rewards programs , no annual fee, low introductory APR, cash-back, gas and airline rewards. Here are some of our top student credit card picks for 2012. Apply online.
 

 
Featured Student Credit Card

The Discover® Open Road Card for Students is our top pick in 2012 for Wyoming student credit card applicants. Here are some of the rewards and features that approved Wyoming student applicants can enjoy:
 
With the Discover® Open Road Card for Students, card holders earn cashback bonuses on every single purchase made. Another exciting feature is that all new customers will receive a special 0% APR financing offer during the first 9 months of opening a new account. Some of the other popular features we think Wyoming students will appreciate include:
 

• Earn Double Cashback Bonuses on Gas and Restaurant Purchases
• Earn 1% Cashback Bonuses on Every Eligible Purchase
• Enjoy Special 9-Month 0% Introductory APR Offer for Purchases
• Receive up to 20% Cashback Bonus by shopping at Discover’s online mall
• No Annual Fee
 

Another reason the Discover® Open Road Card for Students tops our list is that it gives students a variety of ways to redeem the Cashback bonuses earned – students can choose to get cash back or can select something else. Most importantly, there’s no annual fee associated with this credit card offer. With all of these great features on this customizable credit card, it’s not hard to see why Wyoming college students are giving the Discover® Open Road card for Students an A+.
 

• Eat At a Restaurant. Fill Up Your Gas Tank and Earn Double Cashback Bonuses

As Wyoming students can appreciate, the Discover® Open Road Card for Students is the perfect card to have if you are planning a college road trip, driving home to see your folks, or just heading over to a restaurant for some late night study snacks. Card holders will earn Cashback bonuses for each and every purchase make, plus extra Cashback bonuses when you buy gasoline for your car.
 

Here’s how it works. You will earn Cashback Bonuses on every purchase at different rates. First, you will earn .25% cash back on every purchase made with your card until your annual spending reaches $3,000. After you reach the $3,000 annual threshold, you’ll earn a 1% Cashback bonus on every purchase you make and there is no limit to the amount of cash back you can earn at this level. Some students charge tuition, rent, books, meals, gas and airline tickets exclusively on this card and watch the cash back rewards pile up fast. Consistently using this credit card as your go-to card is a good strategy for getting the most rewards out of your card.
 

• Earn Double Cashback Bonus on Gas and Food – Here are the details. Students who eat out at any Restaurant or fill up their cars at any gas station will earn a double Cashback bonus on the first $250 spent on gas and restaurants every month. After the $250 monthly gas and restaurant limit is reached, students will continue to earn Cashback bonuses at the regular rate.

Student card holders will also earn up to 20% Cashback Bonuses through online shopping at popular retailers through www.ShopDiscover.com.
 

Although purchases made at warehouse clubs, discount stores, and their affiliates do not count towards the $3,000 yearly threshold that must be met in order to earn the 1% cash back, purchases made at these businesses will earn members a .25% Cashback bonus all year long. It bears repeating that there is no limit to the amount of Cashback bonuses that can be accrued, and Cashback bonuses will never expire as long as your account remains active and current.
 

Cashback Bonuses can be Redeemed for More Than Just Cash.

Students, like all other credit card consumers, like to have the option to choose how to use the rewards they earn. With this credit card product, cash back bonuses can be redeemed for a long list of popular alternatives to cash. For example, rewards can be redeemed for:
 
• E-Certificates or Gift Cards with over 100 brand-name retailers
• Brand-name merchandise shipped to any U.S. Street address for no additional charge
• Discover Gift Cards which are valid anywhere Discover cards are accepted
• Cash as electronic bank deposit or as a statement credit towards your balance
 

Wyoming students like the fact that cashback bonuses can be redeemed for gift cards starting at $20. You can redeem your Cashback bonuses for cash deposits to either your bank account or as a credit to your Discover card statement starting at $50. Cashback bonuses redeemed in this manner are redeemed in $50 increments.
 

Discover Rewards New Card Holders with 0% APR on Purchases for 9 Months.

When you receive your Discover® Open Road card for Students, you will be rewarded with a special 9-month 0% APR on purchases made with the card. The introductory period for this APR offer lasts for 9 billing cycles from the date the account opens. With a deal like this, your Discover® Open Road Card for Students makes it possible to charge a large transaction without the burden of interest for nine whole months. Paying 0% interest on purchases for 9 months is as good as it gets – just remember that it is best to pay your balance in full before the expiration of the introductory period.
 

Students Have The Option To Design A Card That Best Fits Their Personality

The Discover® Open Road Card for Students lets applicants select a card design that best represents them. For no additional charge, a student can choose among many card variations and change the credit card design to the one they like the best. Some design choices include sports, hobbies, monogram designs, graphical images, animals, classical and popular art, and landscapes, among others. For college environmentalists, Wyoming students can even go green with several earth-friendly designs printed on brand new biodegradable cards that will not leave any toxic imprint on the environment.
 

A Bit Of Advice On Handling Your Student Card Responsibly

As can be expected, there are some restrictions and fees associated with the Discover® Open Road Card for Students. As a general rule, it is always a good idea to read the entire Terms and Conditions of any credit card offer before you apply for it. And don’t forget to use common sense with your credit card – if you can’t afford to pay cash for something, don’t charge it. Exercise restraint to avoid graduating with a mountain of debt!
 

In A Nutshell

All in all, the Discover® Open Road Card for Students is an excellent card to have from freshman to senior year. Because Discover is consistently rated as one of the highest scoring companies in terms of customer loyalty and satisfaction according to the Brand Keys Customer Loyalty Engagement Index Report, student card holders often continue their relationship with Discover after they graduate from college. Because of the excellent customer service, protections, and more, it pays to be a part of the Discover family.
 

The Discover® Open Road Card for Students earns you Cashback bonuses on every purchase you make, and double on essentials like gas and restaurant charges. These Cashback bonuses can easily be redeemed for gift cards as small as $20 or cash and for account statement credits in $50 increments or more. Whether you want to shop during your spring break or simply get some of the money you spend on purchases back in your pocket, you should definitely consider the Discover® Open Road Card for Students.
 
With NO annual fee and the current 9-month 0% Introductory APR offer, enrolling with the Discover® Open Road Card for Students is by far one of the best college decisions you can make.
 

Student Credit Cards: Learn The Basics About Interest Rates (APR) and Credit Card Fees

A credit card’s interest rate is one of the most important things a student credit card consumer must understand.

What Does APR mean?

A credit card interest rate is the price the credit card issuer charges its card holders for borrowing money. In the credit card context, the interest rate is stated as an annual rate, commonly referred to the annual percentage rate (APR). With the majority of credit cards, the card holder can avoid having to pay interest on purchases if they pay their balance in full every month.

How Do I Know What The APR Is On My Credit Card?

The APR is commonly located on your monthly credit card statement near the amount owed. The APR will also be set forth in your credit card offer. It is important to note that it is possible for one credit card to have several APRs. Here are some examples to consider:

Can The APR May Be Different For Different Types Of Transactions?

All credit cards have a “purchase APR” which is the interest rate the credit card holder will pay on purchases. In most cases, the card holder will only have to pay interest on purchases if they maintain a balance into the next billing cycle. Typically, credit cards have a different APR for cash advances or balance transfers.

What Is An Introductory APR?

A credit card may have a lower APR during an introductory period and a higher interest rate after at the conclusion of the introductory period. Under Federal law, the duration of the introductory period cannot be less than six months. Moreover, the credit card issuer must disclose what the interest rate will be at the expiration of the introductory period. For example, a credit card’s introductory rate may be 0 percent for six months and then go up to 18.5 percent.

What Is A Penalty APR?

The APR on a credit card may increase if the card holder does something that triggers a penalty under the terms of the agreement. For example, a late payment or a bounced check could allow a credit card issuer to impose a penalty.

What Is The Difference Between A Fixed And A Variable APR?

Generally, a credit card will have a fixed or a variable APR. A “Fixed-rate APR” is an interest rate set at a particular percent which cannot change during the period of time identified in your credit card agreement. If the credit card agreement does not specify a time period for the APR, the rate cannot change as long as your account is open.
 
Unlike the fixed rate APR, a “Variable-rate APR” is subject to change. In some instances, a variable APR may change depending upon fluctuations of an independent index like the prime rate or Treasury bill rate. The credit card application and agreement must disclose how often your card’s APR may change.
 
In some instances, credit card issuers offer a combination of fixed and variable APRs. Typically, credit card issuers offer a fixed-rate APR that becomes a variable rate after the introductory period ends. It is very important that all credit card holders carefully read the terms of the credit card agreement fully to understand if the APR can change and the circumstances which might cause the APR to adjust.

Student Credit Cards: Understanding Credit Card Fees

Typically, credit card charge fees. It is crucial that student credit card holders read the credit card agreement and understand what their credit card fees are or can be at some point in the future. Listed below are some common credit card fees to be aware of when you apply for a student credit card.
Application Fee. The application fee is a fee that may be charged to apply for a credit card.

Annual Fee. An “annual fee”, also referred to as a “membership fee” or “participation fee”, is the amount charged to the credit card customer for the privilege of having the credit card. In some instances, the credit card issuer charges a lump sum annual fee. In other instances, the credit card issuer spreads the cost out and charges a portion of the fee every month.
Set-Up Fee. A “set-up fee” is an amount that a credit card issuer might charge when the new credit card holder opens a new account.
Cash Advance Fee. A “cash advance fee” is the sum that is charged by the credit card issuer when the credit card is used to get cash from an ATM. The fee may be a flat fee (e.g., $5 per transaction), or the fee may be a percentage of the total amount of the cash advance (e.g., 2% percent of the total amount of cash advanced, including any ATM fees).

Balance-Transfer Fee. A “balance-transfer fee” is an amount charged by the credit card issuer when the credit card holder transfers a balance from one credit card to another. Like the “cash advance fee,” the “balance-transfer fee” may be a flat fee (e.g., $5 per transaction) or it may be a percentage of the transfer (e.g., 2% percent of the total amount transferred).

Late-Payment Fee. A “late-payment fee” is a sum charged by the credit card issuer when the credit card holder submits a payment that is received after the due date.
Over-The-Limit Fee. An “over-the-limit fee” is an amount charged by the credit card issuer when the credit card holder exceeds the credit card’s credit limit. Under the law, the credit card customer must authorize the credit card issuer to permit you to go over your limit in order for the credit card issuer to charge the “over-the-limit fee.” If the card holder does not authorize the credit card issuer to permit you to go over your credit limit, your transaction will most likely be declined.

Credit-Limit-Increase Fee. A “credit-limit-increase fee” is a sum charged by the credit card issuer when the credit card holder requests and receives an increased credit limit

Read Your Agreement & Understand Your Rights. Be certain to read the terms of the credit card agreement carefully to understand the services offered by credit card issuers along with all the associated fees. Federal law limits the total fees charged during the first year after new account is opened to 25% of the initial credit limit. In some instances, the credit card issuer may also offer insurance or debt coverage – for a fee.

Similar articles:

Best Student Credit Cards for 2012

Gas Credit Card Rewards

Best Credit Cards for College Students Offer 0% Introductory APR, No Annual Fee and Cash-back Bonus Rewards

Best Student Credit Cards for Spring Break

Student Credit Card Applications

Student credit card applicants from the schools below are welcome to email their comments about the best credit card rewards programs they have uncovered:

 
Casper College
Central Wyoming College
Eastern Wyoming College
Jackson Hole Bible College
Kennedy-Western University
Laramie County Community College
Northern Wyoming Community College District – Gillette Campus
Northwest College
Preston University
Sheridan College
University of Wyoming
Western Wyoming College
Wyoming Community College Commission
Wyoming Technical Institute

Our team has put together a list of the best student credit card applications for 2012 which offer Colorado students the most attractive and beneficial rewards programs , no annual fee, low introductory APR, cash-back, gas and airline rewards. Here are some of our top student credit card picks for 2012. Apply online.
 

 
Featured Student Credit Card

The Discover® Open Road Card for Students is our top pick in 2012 for Colorado student credit card applicants. Here are some of the rewards and features that approved Colorado student applicants can enjoy:
 
With the Discover® Open Road Card for Students, card holders earn cashback bonuses on every single purchase made. Another exciting feature is that all new customers will receive a special 0% APR financing offer during the first 9 months of opening a new account. Some of the other popular features we think Colorado students will appreciate include:
 

• Earn Double Cashback Bonuses on Gas and Restaurant Purchases
• Earn 1% Cashback Bonuses on Every Eligible Purchase
• Enjoy Special 9-Month 0% Introductory APR Offer for Purchases
• Receive up to 20% Cashback Bonus by shopping at Discover’s online mall
• No Annual Fee
 

Another reason the Discover® Open Road Card for Students tops our list is that it gives students a variety of ways to redeem the Cashback bonuses earned – students can choose to get cash back or can select something else. Most importantly, there’s no annual fee associated with this credit card offer. With all of these great features on this customizable credit card, it’s not hard to see why Colorado college students are giving the Discover® Open Road card for Students an A+.
 

• Eat At a Restaurant. Fill Up Your Gas Tank and Earn Double Cashback Bonuses

As Colorado students can appreciate, the Discover® Open Road Card for Students is the perfect card to have if you are planning a college road trip, driving home to see your folks, or just heading over to a restaurant for some late night study snacks. Card holders will earn Cashback bonuses for each and every purchase make, plus extra Cashback bonuses when you buy gasoline for your car.
 

Here’s how it works. You will earn Cashback Bonuses on every purchase at different rates. First, you will earn .25% cash back on every purchase made with your card until your annual spending reaches $3,000. After you reach the $3,000 annual threshold, you’ll earn a 1% Cashback bonus on every purchase you make and there is no limit to the amount of cash back you can earn at this level. Some students charge tuition, rent, books, meals, gas and airline tickets exclusively on this card and watch the cash back rewards pile up fast. Consistently using this credit card as your go-to card is a good strategy for getting the most rewards out of your card.
 

• Earn Double Cashback Bonus on Gas and Food – Here are the details. Students who eat out at any Restaurant or fill up their cars at any gas station will earn a double Cashback bonus on the first $250 spent on gas and restaurants every month. After the $250 monthly gas and restaurant limit is reached, students will continue to earn Cashback bonuses at the regular rate.

Student card holders will also earn up to 20% Cashback Bonuses through online shopping at popular retailers through www.ShopDiscover.com.
 

Although purchases made at warehouse clubs, discount stores, and their affiliates do not count towards the $3,000 yearly threshold that must be met in order to earn the 1% cash back, purchases made at these businesses will earn members a .25% Cashback bonus all year long. It bears repeating that there is no limit to the amount of Cashback bonuses that can be accrued, and Cashback bonuses will never expire as long as your account remains active and current.
 

Cashback Bonuses can be Redeemed for More Than Just Cash.

Students, like all other credit card consumers, like to have the option to choose how to use the rewards they earn. With this credit card product, cash back bonuses can be redeemed for a long list of popular alternatives to cash. For example, rewards can be redeemed for:
 
• E-Certificates or Gift Cards with over 100 brand-name retailers
• Brand-name merchandise shipped to any U.S. Street address for no additional charge
• Discover Gift Cards which are valid anywhere Discover cards are accepted
• Cash as electronic bank deposit or as a statement credit towards your balance
 

Colorado students like the fact that cashback bonuses can be redeemed for gift cards starting at $20. You can redeem your Cashback bonuses for cash deposits to either your bank account or as a credit to your Discover card statement starting at $50. Cashback bonuses redeemed in this manner are redeemed in $50 increments.
 

Discover Rewards New Card Holders with 0% APR on Purchases for 9 Months.

When you receive your Discover® Open Road card for Students, you will be rewarded with a special 9-month 0% APR on purchases made with the card. The introductory period for this APR offer lasts for 9 billing cycles from the date the account opens. With a deal like this, your Discover® Open Road Card for Students makes it possible to charge a large transaction without the burden of interest for nine whole months. Paying 0% interest on purchases for 9 months is as good as it gets – just remember that it is best to pay your balance in full before the expiration of the introductory period.
 

Students Have The Option To Design A Card That Best Fits Their Personality

The Discover® Open Road Card for Students lets applicants select a card design that best represents them. For no additional charge, a student can choose among many card variations and change the credit card design to the one they like the best. Some design choices include sports, hobbies, monogram designs, graphical images, animals, classical and popular art, and landscapes, among others. For college environmentalists, Colorado students can even go green with several earth-friendly designs printed on brand new biodegradable cards that will not leave any toxic imprint on the environment.
 

A Bit Of Advice On Handling Your Student Card Responsibly

As can be expected, there are some restrictions and fees associated with the Discover® Open Road Card for Students. As a general rule, it is always a good idea to read the entire Terms and Conditions of any credit card offer before you apply for it. And don’t forget to use common sense with your credit card – if you can’t afford to pay cash for something, don’t charge it. Exercise restraint to avoid graduating with a mountain of debt!
 

In A Nutshell

All in all, the Discover® Open Road Card for Students is an excellent card to have from freshman to senior year. Because Discover is consistently rated as one of the highest scoring companies in terms of customer loyalty and satisfaction according to the Brand Keys Customer Loyalty Engagement Index Report, student card holders often continue their relationship with Discover after they graduate from college. Because of the excellent customer service, protections, and more, it pays to be a part of the Discover family.
 

The Discover® Open Road Card for Students earns you Cashback bonuses on every purchase you make, and double on essentials like gas and restaurant charges. These Cashback bonuses can easily be redeemed for gift cards as small as $20 or cash and for account statement credits in $50 increments or more. Whether you want to shop during your spring break or simply get some of the money you spend on purchases back in your pocket, you should definitely consider the Discover® Open Road Card for Students.
 
With NO annual fee and the current 9-month 0% Introductory APR offer, enrolling with the Discover® Open Road Card for Students is by far one of the best college decisions you can make.
 

Student Credit Cards: Learn The Basics About Interest Rates (APR) and Credit Card Fees

A credit card’s interest rate is one of the most important things a student credit card consumer must understand.

What Does APR mean?

A credit card interest rate is the price the credit card issuer charges its card holders for borrowing money. In the credit card context, the interest rate is stated as an annual rate, commonly referred to the annual percentage rate (APR). With the majority of credit cards, the card holder can avoid having to pay interest on purchases if they pay their balance in full every month.

How Do I Know What The APR Is On My Credit Card?

The APR is commonly located on your monthly credit card statement near the amount owed. The APR will also be set forth in your credit card offer. It is important to note that it is possible for one credit card to have several APRs. Here are some examples to consider:

Can The APR May Be Different For Different Types Of Transactions?

All credit cards have a “purchase APR” which is the interest rate the credit card holder will pay on purchases. In most cases, the card holder will only have to pay interest on purchases if they maintain a balance into the next billing cycle. Typically, credit cards have a different APR for cash advances or balance transfers.

What Is An Introductory APR?

A credit card may have a lower APR during an introductory period and a higher interest rate after at the conclusion of the introductory period. Under Federal law, the duration of the introductory period cannot be less than six months. Moreover, the credit card issuer must disclose what the interest rate will be at the expiration of the introductory period. For example, a credit card’s introductory rate may be 0 percent for six months and then go up to 18.5 percent.

What Is A Penalty APR?

The APR on a credit card may increase if the card holder does something that triggers a penalty under the terms of the agreement. For example, a late payment or a bounced check could allow a credit card issuer to impose a penalty.

What Is The Difference Between A Fixed And A Variable APR?

Generally, a credit card will have a fixed or a variable APR. A “Fixed-rate APR” is an interest rate set at a particular percent which cannot change during the period of time identified in your credit card agreement. If the credit card agreement does not specify a time period for the APR, the rate cannot change as long as your account is open.
 
Unlike the fixed rate APR, a “Variable-rate APR” is subject to change. In some instances, a variable APR may change depending upon fluctuations of an independent index like the prime rate or Treasury bill rate. The credit card application and agreement must disclose how often your card’s APR may change.
 
In some instances, credit card issuers offer a combination of fixed and variable APRs. Typically, credit card issuers offer a fixed-rate APR that becomes a variable rate after the introductory period ends. It is very important that all credit card holders carefully read the terms of the credit card agreement fully to understand if the APR can change and the circumstances which might cause the APR to adjust.

Student Credit Cards: Understanding Credit Card Fees

Typically, credit card charge fees. It is crucial that student credit card holders read the credit card agreement and understand what their credit card fees are or can be at some point in the future. Listed below are some common credit card fees to be aware of when you apply for a student credit card.
Application Fee. The application fee is a fee that may be charged to apply for a credit card.

Annual Fee. An “annual fee”, also referred to as a “membership fee” or “participation fee”, is the amount charged to the credit card customer for the privilege of having the credit card. In some instances, the credit card issuer charges a lump sum annual fee. In other instances, the credit card issuer spreads the cost out and charges a portion of the fee every month.
Set-Up Fee. A “set-up fee” is an amount that a credit card issuer might charge when the new credit card holder opens a new account.
Cash Advance Fee. A “cash advance fee” is the sum that is charged by the credit card issuer when the credit card is used to get cash from an ATM. The fee may be a flat fee (e.g., $5 per transaction), or the fee may be a percentage of the total amount of the cash advance (e.g., 2% percent of the total amount of cash advanced, including any ATM fees).

Balance-Transfer Fee. A “balance-transfer fee” is an amount charged by the credit card issuer when the credit card holder transfers a balance from one credit card to another. Like the “cash advance fee,” the “balance-transfer fee” may be a flat fee (e.g., $5 per transaction) or it may be a percentage of the transfer (e.g., 2% percent of the total amount transferred).

Late-Payment Fee. A “late-payment fee” is a sum charged by the credit card issuer when the credit card holder submits a payment that is received after the due date.
Over-The-Limit Fee. An “over-the-limit fee” is an amount charged by the credit card issuer when the credit card holder exceeds the credit card’s credit limit. Under the law, the credit card customer must authorize the credit card issuer to permit you to go over your limit in order for the credit card issuer to charge the “over-the-limit fee.” If the card holder does not authorize the credit card issuer to permit you to go over your credit limit, your transaction will most likely be declined.

Credit-Limit-Increase Fee. A “credit-limit-increase fee” is a sum charged by the credit card issuer when the credit card holder requests and receives an increased credit limit

Read Your Agreement & Understand Your Rights. Be certain to read the terms of the credit card agreement carefully to understand the services offered by credit card issuers along with all the associated fees. Federal law limits the total fees charged during the first year after new account is opened to 25% of the initial credit limit. In some instances, the credit card issuer may also offer insurance or debt coverage – for a fee.

Similar articles:

Best Student Credit Cards for 2012

Gas Credit Card Rewards

Best Credit Cards for College Students Offer 0% Introductory APR, No Annual Fee and Cash-back Bonus Rewards

Best Student Credit Cards for Spring Break

Student Credit Card Applications

Student credit card applicants from the schools below are welcome to email their comments about the best credit card rewards programs they have uncovered:

 
Adams State College
Boulder
Colorado Christian University
Colorado College
Colorado School of Mines
Colorado Springs
Colorado State University
Colorado Technical University
Denver
Fort Lewis College
Health Sciences Center
International University
Mesa State College
Metropolitan State College of Denver
Naropa Institute
National Technological University
Nazarene Bible College
Regis University
Rocky Mountain College of Art Design
United States Air Force Academy
University of Denver
University of Northern Colorado
University of Southern Colorado
Western State College

In 2012, Alabama college students are being smart about applying for credit cards. Students clearly understand that they must apply themselves academically in order to establish a concrete financial foundation upon graduation. Unfortunately, the tough financial realities facing the majority of families supporting college students have caused an increasing number of Alabama students to turn to credit cards to pay for a portion of their tuition, academic expenses and basic living costs. Consequently, students at the University of Alabama, Troy University, Auburn University and other local colleges are willing to take the time to do online research and apply for credit cards that offer the best rewards and incentives, no annual fee, the lowest interest rates, the best customer service and instant application decisions.
 

Our team has put together a list of the best student credit card applications for 2012 which offer Alabama students the most attractive and beneficial rewards programs , no annual fee, low introductory APR, cash-back, gas and airline rewards. Here are some of our top student credit card picks for 2012. Apply online.
 

 
Featured Student Credit Card

The Discover® Open Road Card for Students is our top pick in 2012 for Alabama student credit card applicants. Here are some of the rewards and features that approved Alabama student applicants can enjoy:
 
With the Discover® Open Road Card for Students, card holders earn cashback bonuses on every single purchase made. Another exciting feature is that all new customers will receive a special 0% APR financing offer during the first 9 months of opening a new account. Some of the other popular features we think Alabama students will appreciate include:
 

• Earn Double Cashback Bonuses on Gas and Restaurant Purchases
• Earn 1% Cashback Bonuses on Every Eligible Purchase
• Enjoy Special 9-Month 0% Introductory APR Offer for Purchases
• Receive up to 20% Cashback Bonus by shopping at Discover’s online mall
• No Annual Fee
 

Another reason the Discover® Open Road Card for Students tops our list is that it gives students a variety of ways to redeem the Cashback bonuses earned – students can choose to get cash back or can select something else. Most importantly, there’s no annual fee associated with this credit card offer. With all of these great features on this customizable credit card, it’s not hard to see why Alabama college students are giving the Discover® Open Road card for Students an A+.
 

• Eat At a Restaurant. Fill Up Your Gas Tank and Earn Double Cashback Bonuses

As Alabama students can appreciate, the Discover® Open Road Card for Students is the perfect card to have if you are planning a college road trip, driving home to see your folks, or just heading over to a restaurant for some late night study snacks. Card holders will earn Cashback bonuses for each and every purchase make, plus extra Cashback bonuses when you buy gasoline for your car.
 

Here’s how it works. You will earn Cashback Bonuses on every purchase at different rates. First, you will earn .25% cash back on every purchase made with your card until your annual spending reaches $3,000. After you reach the $3,000 annual threshold, you’ll earn a 1% Cashback bonus on every purchase you make and there is no limit to the amount of cash back you can earn at this level. Some students charge tuition, rent, books, meals, gas and airline tickets exclusively on this card and watch the cash back rewards pile up fast. Consistently using this credit card as your go-to card is a good strategy for getting the most rewards out of your card.
 

• Earn Double Cashback Bonus on Gas and Food – Here are the details. Students who eat out at any Restaurant or fill up their cars at any gas station will earn a double Cashback bonus on the first $250 spent on gas and restaurants every month. After the $250 monthly gas and restaurant limit is reached, students will continue to earn Cashback bonuses at the regular rate.

Student card holders will also earn up to 20% Cashback Bonuses through online shopping at popular retailers through www.ShopDiscover.com.
 

Although purchases made at warehouse clubs, discount stores, and their affiliates do not count towards the $3,000 yearly threshold that must be met in order to earn the 1% cash back, purchases made at these businesses will earn members a .25% Cashback bonus all year long. It bears repeating that there is no limit to the amount of Cashback bonuses that can be accrued, and Cashback bonuses will never expire as long as your account remains active and current.
 

Cashback Bonuses can be Redeemed for More Than Just Cash.

Students, like all other credit card consumers, like to have the option to choose how to use the rewards they earn. With this credit card product, cash back bonuses can be redeemed for a long list of popular alternatives to cash. For example, rewards can be redeemed for:
 
• E-Certificates or Gift Cards with over 100 brand-name retailers
• Brand-name merchandise shipped to any U.S. Street address for no additional charge
• Discover Gift Cards which are valid anywhere Discover cards are accepted
• Cash as electronic bank deposit or as a statement credit towards your balance
 

Alabama students like the fact that cashback bonuses can be redeemed for gift cards starting at $20. You can redeem your Cashback bonuses for cash deposits to either your bank account or as a credit to your Discover card statement starting at $50. Cashback bonuses redeemed in this manner are redeemed in $50 increments.
 

Discover Rewards New Card Holders with 0% APR on Purchases for 9 Months.

When you receive your Discover® Open Road card for Students, you will be rewarded with a special 9-month 0% APR on purchases made with the card. The introductory period for this APR offer lasts for 9 billing cycles from the date the account opens. With a deal like this, your Discover® Open Road Card for Students makes it possible to charge a large transaction without the burden of interest for nine whole months. Paying 0% interest on purchases for 9 months is as good as it gets – just remember that it is best to pay your balance in full before the expiration of the introductory period.
 

Students Have The Option To Design A Card That Best Fits Their Personality

The Discover® Open Road Card for Students lets applicants select a card design that best represents them. For no additional charge, a student can choose among many card variations and change the credit card design to the one they like the best. Some design choices include sports, hobbies, monogram designs, graphical images, animals, classical and popular art, and landscapes, among others. For college environmentalists, Alabama students can even go green with several earth-friendly designs printed on brand new biodegradable cards that will not leave any toxic imprint on the environment.
 

A Bit Of Advice On Handling Your Student Card Responsibly

As can be expected, there are some restrictions and fees associated with the Discover® Open Road Card for Students. As a general rule, it is always a good idea to read the entire Terms and Conditions of any credit card offer before you apply for it. And don’t forget to use common sense with your credit card – if you can’t afford to pay cash for something, don’t charge it. Exercise restraint to avoid graduating with a mountain of debt!
 

In A Nutshell

All in all, the Discover® Open Road Card for Students is an excellent card to have from freshman to senior year. Because Discover is consistently rated as one of the highest scoring companies in terms of customer loyalty and satisfaction according to the Brand Keys Customer Loyalty Engagement Index Report, student card holders often continue their relationship with Discover after they graduate from college. Because of the excellent customer service, protections, and more, it pays to be a part of the Discover family.
 

The Discover® Open Road Card for Students earns you Cashback bonuses on every purchase you make, and double on essentials like gas and restaurant charges. These Cashback bonuses can easily be redeemed for gift cards as small as $20 or cash and for account statement credits in $50 increments or more. Whether you want to shop during your spring break or simply get some of the money you spend on purchases back in your pocket, you should definitely consider the Discover® Open Road Card for Students.
 
With NO annual fee and the current 9-month 0% Introductory APR offer, enrolling with the Discover® Open Road Card for Students is by far one of the best college decisions you can make.
 

Student Credit Cards: Learn The Basics About Interest Rates (APR) and Credit Card Fees

A credit card’s interest rate is one of the most important things a student credit card consumer must understand.

What Does APR mean?

A credit card interest rate is the price the credit card issuer charges its card holders for borrowing money. In the credit card context, the interest rate is stated as an annual rate, commonly referred to the annual percentage rate (APR). With the majority of credit cards, the card holder can avoid having to pay interest on purchases if they pay their balance in full every month.

How Do I Know What The APR Is On My Credit Card?

The APR is commonly located on your monthly credit card statement near the amount owed. The APR will also be set forth in your credit card offer. It is important to note that it is possible for one credit card to have several APRs. Here are some examples to consider:

Can The APR May Be Different For Different Types Of Transactions?

All credit cards have a “purchase APR” which is the interest rate the credit card holder will pay on purchases. In most cases, the card holder will only have to pay interest on purchases if they maintain a balance into the next billing cycle. Typically, credit cards have a different APR for cash advances or balance transfers.

What Is An Introductory APR?

A credit card may have a lower APR during an introductory period and a higher interest rate after at the conclusion of the introductory period. Under Federal law, the duration of the introductory period cannot be less than six months. Moreover, the credit card issuer must disclose what the interest rate will be at the expiration of the introductory period. For example, a credit card’s introductory rate may be 0 percent for six months and then go up to 18.5 percent.

What Is A Penalty APR?

The APR on a credit card may increase if the card holder does something that triggers a penalty under the terms of the agreement. For example, a late payment or a bounced check could allow a credit card issuer to impose a penalty.

What Is The Difference Between A Fixed And A Variable APR?

Generally, a credit card will have a fixed or a variable APR. A “Fixed-rate APR” is an interest rate set at a particular percent which cannot change during the period of time identified in your credit card agreement. If the credit card agreement does not specify a time period for the APR, the rate cannot change as long as your account is open.
 
Unlike the fixed rate APR, a “Variable-rate APR” is subject to change. In some instances, a variable APR may change depending upon fluctuations of an independent index like the prime rate or Treasury bill rate. The credit card application and agreement must disclose how often your card’s APR may change.
 
In some instances, credit card issuers offer a combination of fixed and variable APRs. Typically, credit card issuers offer a fixed-rate APR that becomes a variable rate after the introductory period ends. It is very important that all credit card holders carefully read the terms of the credit card agreement fully to understand if the APR can change and the circumstances which might cause the APR to adjust.

Student Credit Cards: Understanding Credit Card Fees

Typically, credit card charge fees. It is crucial that student credit card holders read the credit card agreement and understand what their credit card fees are or can be at some point in the future. Listed below are some common credit card fees to be aware of when you apply for a student credit card.
Application Fee. The application fee is a fee that may be charged to apply for a credit card.

Annual Fee. An “annual fee”, also referred to as a “membership fee” or “participation fee”, is the amount charged to the credit card customer for the privilege of having the credit card. In some instances, the credit card issuer charges a lump sum annual fee. In other instances, the credit card issuer spreads the cost out and charges a portion of the fee every month.
Set-Up Fee. A “set-up fee” is an amount that a credit card issuer might charge when the new credit card holder opens a new account.
Cash Advance Fee. A “cash advance fee” is the sum that is charged by the credit card issuer when the credit card is used to get cash from an ATM. The fee may be a flat fee (e.g., $5 per transaction), or the fee may be a percentage of the total amount of the cash advance (e.g., 2% percent of the total amount of cash advanced, including any ATM fees).

Balance-Transfer Fee. A “balance-transfer fee” is an amount charged by the credit card issuer when the credit card holder transfers a balance from one credit card to another. Like the “cash advance fee,” the “balance-transfer fee” may be a flat fee (e.g., $5 per transaction) or it may be a percentage of the transfer (e.g., 2% percent of the total amount transferred).

Late-Payment Fee. A “late-payment fee” is a sum charged by the credit card issuer when the credit card holder submits a payment that is received after the due date.
Over-The-Limit Fee. An “over-the-limit fee” is an amount charged by the credit card issuer when the credit card holder exceeds the credit card’s credit limit. Under the law, the credit card customer must authorize the credit card issuer to permit you to go over your limit in order for the credit card issuer to charge the “over-the-limit fee.” If the card holder does not authorize the credit card issuer to permit you to go over your credit limit, your transaction will most likely be declined.

Credit-Limit-Increase Fee. A “credit-limit-increase fee” is a sum charged by the credit card issuer when the credit card holder requests and receives an increased credit limit

Read Your Agreement & Understand Your Rights. Be certain to read the terms of the credit card agreement carefully to understand the services offered by credit card issuers along with all the associated fees. Federal law limits the total fees charged during the first year after new account is opened to 25% of the initial credit limit. In some instances, the credit card issuer may also offer insurance or debt coverage – for a fee.

Similar articles:

Best Student Credit Cards for 2012

Gas Credit Card Rewards

Best Credit Cards for College Students Offer 0% Introductory APR, No Annual Fee and Cash-back Bonus Rewards

Best Student Credit Cards for Spring Break

Student Credit Card Applications

Student credit card applicants from the schools below are welcome to email their comments about the best credit card rewards programs they have uncovered:

 
University of Alabama
Troy University
Auburn University
University of Alabama at Birmingham
University of South Alabama
Calhoun Community College
Virginia College
Jefferson State Community College
Jacksonville State University
University of Alabama in Huntsville
University of North Alabama
Gadsden State Community College
Wallace State Community College
Shelton State Community College
Auburn University at Montgomery
Alabama Agricultural and Mechanical University
Alabama State University
University of West Alabama
Wallace Community College
Lawson State Community College
Southern Union State Community College
Samford University
(Southern Baptist Convention) Research university
Bevill State Community College Sumiton[e]
Faulkner State Community College
Northwest–Shoals Community College
Bishop State Community College
Athens State University
Northeast Alabama Community College Rainsville
Faulkner University
University of Montevallo
Tuskegee University
Enterprise State Community College
Snead State Community College
Central Alabama Community College
Wallace Community College Selma
Lurleen B. Wallace Community College
Oakwood University
H. Councill Trenholm State Technical College
Chattahoochee Valley Community College
University of Mobile
Miles College
Spring Hill College
J. F. Drake State Technical College
Birmingham–Southern College
Alabama Southern Community College
Jefferson Davis Community College
Huntingdon College
Stillman College
Amridge University
Reid State Technical College
Talladega College
Concordia College
J. F. Ingram State Technical College
United States Sports Academy
Selma University
Marion Military Institute
Judson College
Southeastern Bible College
Huntsville Bible College
Heritage Christian University

Our team has put together a list of the best student credit card applications for 2012 which offer Virginia students the most attractive and beneficial rewards programs , no annual fee, low introductory APR, cash-back, gas and airline rewards. Here are some of our top student credit card picks for 2012. Apply online.
 

 
Featured Student Credit Card

The Discover® Open Road Card for Students is our top pick in 2012 for Virginia student credit card applicants. Here are some of the rewards and features that approved Virginia student applicants can enjoy:
 
With the Discover® Open Road Card for Students, card holders earn cashback bonuses on every single purchase made. Another exciting feature is that all new customers will receive a special 0% APR financing offer during the first 9 months of opening a new account. Some of the other popular features we think Virginia students will appreciate include:
 

• Earn Double Cashback Bonuses on Gas and Restaurant Purchases
• Earn 1% Cashback Bonuses on Every Eligible Purchase
• Enjoy Special 9-Month 0% Introductory APR Offer for Purchases
• Receive up to 20% Cashback Bonus by shopping at Discover’s online mall
• No Annual Fee
 

Another reason the Discover® Open Road Card for Students tops our list is that it gives students a variety of ways to redeem the Cashback bonuses earned – students can choose to get cash back or can select something else. Most importantly, there’s no annual fee associated with this credit card offer. With all of these great features on this customizable credit card, it’s not hard to see why Virginia college students are giving the Discover® Open Road card for Students an A+.
 

• Eat At a Restaurant. Fill Up Your Gas Tank and Earn Double Cashback Bonuses

As Virginia students can appreciate, the Discover® Open Road Card for Students is the perfect card to have if you are planning a college road trip, driving home to see your folks, or just heading over to a restaurant for some late night study snacks. Card holders will earn Cashback bonuses for each and every purchase make, plus extra Cashback bonuses when you buy gasoline for your car.
 

Here’s how it works. You will earn Cashback Bonuses on every purchase at different rates. First, you will earn .25% cash back on every purchase made with your card until your annual spending reaches $3,000. After you reach the $3,000 annual threshold, you’ll earn a 1% Cashback bonus on every purchase you make and there is no limit to the amount of cash back you can earn at this level. Some students charge tuition, rent, books, meals, gas and airline tickets exclusively on this card and watch the cash back rewards pile up fast. Consistently using this credit card as your go-to card is a good strategy for getting the most rewards out of your card.
 

• Earn Double Cashback Bonus on Gas and Food – Here are the details. Students who eat out at any Restaurant or fill up their cars at any gas station will earn a double Cashback bonus on the first $250 spent on gas and restaurants every month. After the $250 monthly gas and restaurant limit is reached, students will continue to earn Cashback bonuses at the regular rate.

Student card holders will also earn up to 20% Cashback Bonuses through online shopping at popular retailers through www.ShopDiscover.com.
 

Although purchases made at warehouse clubs, discount stores, and their affiliates do not count towards the $3,000 yearly threshold that must be met in order to earn the 1% cash back, purchases made at these businesses will earn members a .25% Cashback bonus all year long. It bears repeating that there is no limit to the amount of Cashback bonuses that can be accrued, and Cashback bonuses will never expire as long as your account remains active and current.
 

Cashback Bonuses can be Redeemed for More Than Just Cash.

Students, like all other credit card consumers, like to have the option to choose how to use the rewards they earn. With this credit card product, cash back bonuses can be redeemed for a long list of popular alternatives to cash. For example, rewards can be redeemed for:
 
• E-Certificates or Gift Cards with over 100 brand-name retailers
• Brand-name merchandise shipped to any U.S. Street address for no additional charge
• Discover Gift Cards which are valid anywhere Discover cards are accepted
• Cash as electronic bank deposit or as a statement credit towards your balance
 

Virginia students like the fact that cashback bonuses can be redeemed for gift cards starting at $20. You can redeem your Cashback bonuses for cash deposits to either your bank account or as a credit to your Discover card statement starting at $50. Cashback bonuses redeemed in this manner are redeemed in $50 increments.
 

Discover Rewards New Card Holders with 0% APR on Purchases for 9 Months.

When you receive your Discover® Open Road card for Students, you will be rewarded with a special 9-month 0% APR on purchases made with the card. The introductory period for this APR offer lasts for 9 billing cycles from the date the account opens. With a deal like this, your Discover® Open Road Card for Students makes it possible to charge a large transaction without the burden of interest for nine whole months. Paying 0% interest on purchases for 9 months is as good as it gets – just remember that it is best to pay your balance in full before the expiration of the introductory period.
 

Students Have The Option To Design A Card That Best Fits Their Personality

The Discover® Open Road Card for Students lets applicants select a card design that best represents them. For no additional charge, a student can choose among many card variations and change the credit card design to the one they like the best. Some design choices include sports, hobbies, monogram designs, graphical images, animals, classical and popular art, and landscapes, among others. For college environmentalists, Virginia students can even go green with several earth-friendly designs printed on brand new biodegradable cards that will not leave any toxic imprint on the environment.
 

A Bit Of Advice On Handling Your Student Card Responsibly

As can be expected, there are some restrictions and fees associated with the Discover® Open Road Card for Students. As a general rule, it is always a good idea to read the entire Terms and Conditions of any credit card offer before you apply for it. And don’t forget to use common sense with your credit card – if you can’t afford to pay cash for something, don’t charge it. Exercise restraint to avoid graduating with a mountain of debt!
 

In A Nutshell

All in all, the Discover® Open Road Card for Students is an excellent card to have from freshman to senior year. Because Discover is consistently rated as one of the highest scoring companies in terms of customer loyalty and satisfaction according to the Brand Keys Customer Loyalty Engagement Index Report, student card holders often continue their relationship with Discover after they graduate from college. Because of the excellent customer service, protections, and more, it pays to be a part of the Discover family.
 

The Discover® Open Road Card for Students earns you Cashback bonuses on every purchase you make, and double on essentials like gas and restaurant charges. These Cashback bonuses can easily be redeemed for gift cards as small as $20 or cash and for account statement credits in $50 increments or more. Whether you want to shop during your spring break or simply get some of the money you spend on purchases back in your pocket, you should definitely consider the Discover® Open Road Card for Students.
 
With NO annual fee and the current 9-month 0% Introductory APR offer, enrolling with the Discover® Open Road Card for Students is by far one of the best college decisions you can make.
 

Student Credit Cards: Learn The Basics About Interest Rates (APR) and Credit Card Fees

A credit card’s interest rate is one of the most important things a student credit card consumer must understand.

What Does APR mean?

A credit card interest rate is the price the credit card issuer charges its card holders for borrowing money. In the credit card context, the interest rate is stated as an annual rate, commonly referred to the annual percentage rate (APR). With the majority of credit cards, the card holder can avoid having to pay interest on purchases if they pay their balance in full every month.

How Do I Know What The APR Is On My Credit Card?

The APR is commonly located on your monthly credit card statement near the amount owed. The APR will also be set forth in your credit card offer. It is important to note that it is possible for one credit card to have several APRs. Here are some examples to consider:

Can The APR May Be Different For Different Types Of Transactions?

All credit cards have a “purchase APR” which is the interest rate the credit card holder will pay on purchases. In most cases, the card holder will only have to pay interest on purchases if they maintain a balance into the next billing cycle. Typically, credit cards have a different APR for cash advances or balance transfers.

What Is An Introductory APR?

A credit card may have a lower APR during an introductory period and a higher interest rate after at the conclusion of the introductory period. Under Federal law, the duration of the introductory period cannot be less than six months. Moreover, the credit card issuer must disclose what the interest rate will be at the expiration of the introductory period. For example, a credit card’s introductory rate may be 0 percent for six months and then go up to 18.5 percent.

What Is A Penalty APR?

The APR on a credit card may increase if the card holder does something that triggers a penalty under the terms of the agreement. For example, a late payment or a bounced check could allow a credit card issuer to impose a penalty.

What Is The Difference Between A Fixed And A Variable APR?

Generally, a credit card will have a fixed or a variable APR. A “Fixed-rate APR” is an interest rate set at a particular percent which cannot change during the period of time identified in your credit card agreement. If the credit card agreement does not specify a time period for the APR, the rate cannot change as long as your account is open.
 
Unlike the fixed rate APR, a “Variable-rate APR” is subject to change. In some instances, a variable APR may change depending upon fluctuations of an independent index like the prime rate or Treasury bill rate. The credit card application and agreement must disclose how often your card’s APR may change.
 
In some instances, credit card issuers offer a combination of fixed and variable APRs. Typically, credit card issuers offer a fixed-rate APR that becomes a variable rate after the introductory period ends. It is very important that all credit card holders carefully read the terms of the credit card agreement fully to understand if the APR can change and the circumstances which might cause the APR to adjust.

Student Credit Cards: Understanding Credit Card Fees

Typically, credit card charge fees. It is crucial that student credit card holders read the credit card agreement and understand what their credit card fees are or can be at some point in the future. Listed below are some common credit card fees to be aware of when you apply for a student credit card.
Application Fee. The application fee is a fee that may be charged to apply for a credit card.

Annual Fee. An “annual fee”, also referred to as a “membership fee” or “participation fee”, is the amount charged to the credit card customer for the privilege of having the credit card. In some instances, the credit card issuer charges a lump sum annual fee. In other instances, the credit card issuer spreads the cost out and charges a portion of the fee every month.
Set-Up Fee. A “set-up fee” is an amount that a credit card issuer might charge when the new credit card holder opens a new account.
Cash Advance Fee. A “cash advance fee” is the sum that is charged by the credit card issuer when the credit card is used to get cash from an ATM. The fee may be a flat fee (e.g., $5 per transaction), or the fee may be a percentage of the total amount of the cash advance (e.g., 2% percent of the total amount of cash advanced, including any ATM fees).

Balance-Transfer Fee. A “balance-transfer fee” is an amount charged by the credit card issuer when the credit card holder transfers a balance from one credit card to another. Like the “cash advance fee,” the “balance-transfer fee” may be a flat fee (e.g., $5 per transaction) or it may be a percentage of the transfer (e.g., 2% percent of the total amount transferred).

Late-Payment Fee. A “late-payment fee” is a sum charged by the credit card issuer when the credit card holder submits a payment that is received after the due date.
Over-The-Limit Fee. An “over-the-limit fee” is an amount charged by the credit card issuer when the credit card holder exceeds the credit card’s credit limit. Under the law, the credit card customer must authorize the credit card issuer to permit you to go over your limit in order for the credit card issuer to charge the “over-the-limit fee.” If the card holder does not authorize the credit card issuer to permit you to go over your credit limit, your transaction will most likely be declined.

Credit-Limit-Increase Fee. A “credit-limit-increase fee” is a sum charged by the credit card issuer when the credit card holder requests and receives an increased credit limit

Read Your Agreement & Understand Your Rights. Be certain to read the terms of the credit card agreement carefully to understand the services offered by credit card issuers along with all the associated fees. Federal law limits the total fees charged during the first year after new account is opened to 25% of the initial credit limit. In some instances, the credit card issuer may also offer insurance or debt coverage – for a fee.

Similar articles:

Best Student Credit Cards for 2012

Gas Credit Card Rewards

Best Credit Cards for College Students Offer 0% Introductory APR, No Annual Fee and Cash-back Bonus Rewards

Best Student Credit Cards for Spring Break

Student Credit Card Applications

Student credit card applicants from the schools below are welcome to email their comments about the best credit card rewards programs they have uncovered:

 
Averett College
Bluefield College
Bridgewater College
Christendom College
Christopher Newport University
College of William and Mary
DeVry University-Crystal City
Eastern Mennonite University
Eastern Virginia Medical School
Emory & Henry College
Ferrum College
George Mason University
George Washington University-Virginia Campus
Hampden-Sydney College
Hampton University
Hollins University
James Madison University
Jefferson College of Health Sciences
Liberty University
Longwood University
Lynchburg College
Mary Baldwin College
Marymount University
Norfolk State University
Old Dominion University
Radford University
Randolph-Macon College
Randolph College
Regent University
Roanoke College
Saint Paul’s College
Shenandoah University
Sweet Briar College
United States Marine Corps University
University of Mary Washington
University of Richmond
University of Virginia
University of Virginia’s College at Wise
Virginia Commonwealth University
Virginia Intermont College
Virginia Military Institute
Virginia Polytechnic Institute and State University
Virginia State University
Virginia Union University
Virginia Wesleyan College
Washington & Lee University
Washington Bible College/Capital Bible Seminary

Our team has compiled a list of the best student credit card applications for 2012 which offer Michigan students the most attractive and realistic rewards programs , no annual fee, low introductory APR, cash-back, gas and airline rewards. Here are some of our top student credit card picks for 2012. Apply online.
 

 
Featured Student Credit Card

The Discover® Open Road Card for Students is our top pick in 2012 for Michigan student credit card applicants. Here are some of the rewards and features that approved Michigan student applicants can enjoy:
 
With the Discover® Open Road Card for Students, card holders earn cashback bonuses on every single purchase made. Another exciting feature is that all new customers will receive a special 0% APR financing offer during the first 9 months of opening a new account. Some of the other popular features we think Michigan students will appreciate include:
 

• Earn Double Cashback Bonuses on Gas and Restaurant Purchases
• Earn 1% Cashback Bonuses on Every Eligible Purchase
• Enjoy Special 9-Month 0% Introductory APR Offer for Purchases
• Receive up to 20% Cashback Bonus by shopping at Discover’s online mall
• No Annual Fee
 

Another reason the Discover® Open Road Card for Students tops our list is that it gives students a variety of ways to redeem the Cashback bonuses earned – students can choose to get cash back or can select something else. Most importantly, there’s no annual fee associated with this credit card offer. With all of these great features on this customizable credit card, it’s not hard to see why Michigan college students are giving the Discover® Open Road card for Students an A+.
 

• Eat At a Restaurant. Fill Up Your Gas Tank and Earn Double Cashback Bonuses

As Michigan students can appreciate, the Discover® Open Road Card for Students is the perfect card to have if you are planning a college road trip, driving home to see your folks, or just heading over to a restaurant for some late night study snacks. Card holders will earn Cashback bonuses for each and every purchase make, plus extra Cashback bonuses when you buy gasoline for your car.
 

Here’s how it works. You will earn Cashback Bonuses on every purchase at different rates. First, you will earn .25% cash back on every purchase made with your card until your annual spending reaches $3,000. After you reach the $3,000 annual threshold, you’ll earn a 1% Cashback bonus on every purchase you make and there is no limit to the amount of cash back you can earn at this level. Some students charge tuition, rent, books, meals, gas and airline tickets exclusively on this card and watch the cash back rewards pile up fast. Consistently using this credit card as your go-to card is a good strategy for getting the most rewards out of your card.
 

• Earn Double Cashback Bonus on Gas and Food – Here are the details. Students who eat out at any Restaurant or fill up their cars at any gas station will earn a double Cashback bonus on the first $250 spent on gas and restaurants every month. After the $250 monthly gas and restaurant limit is reached, students will continue to earn Cashback bonuses at the regular rate.

Student card holders will also earn up to 20% Cashback Bonuses through online shopping at popular retailers through www.ShopDiscover.com.
 

Although purchases made at warehouse clubs, discount stores, and their affiliates do not count towards the $3,000 yearly threshold that must be met in order to earn the 1% cash back, purchases made at these businesses will earn members a .25% Cashback bonus all year long. It bears repeating that there is no limit to the amount of Cashback bonuses that can be accrued, and Cashback bonuses will never expire as long as your account remains active and current.
 

Cashback Bonuses can be Redeemed for More Than Just Cash.

Students, like all other credit card consumers, like to have the option to choose how to use the rewards they earn. With this credit card product, cash back bonuses can be redeemed for a long list of popular alternatives to cash. For example, rewards can be redeemed for:
 
• E-Certificates or Gift Cards with over 100 brand-name retailers
• Brand-name merchandise shipped to any U.S. Street address for no additional charge
• Discover Gift Cards which are valid anywhere Discover cards are accepted
• Cash as electronic bank deposit or as a statement credit towards your balance
 

Michigan students like the fact that cashback bonuses can be redeemed for gift cards starting at $20. You can redeem your Cashback bonuses for cash deposits to either your bank account or as a credit to your Discover card statement starting at $50. Cashback bonuses redeemed in this manner are redeemed in $50 increments.
 

Discover Rewards New Card Holders with 0% APR on Purchases for 9 Months.

When you receive your Discover® Open Road card for Students, you will be rewarded with a special 9-month 0% APR on purchases made with the card. The introductory period for this APR offer lasts for 9 billing cycles from the date the account opens. With a deal like this, your Discover® Open Road Card for Students makes it possible to charge a large transaction without the burden of interest for nine whole months. Paying 0% interest on purchases for 9 months is as good as it gets – just remember that it is best to pay your balance in full before the expiration of the introductory period.
 

Students Have The Option To Design A Card That Best Fits Their Personality

The Discover® Open Road Card for Students lets applicants select a card design that best represents them. For no additional charge, a student can choose among many card variations and change the credit card design to the one they like the best. Some design choices include sports, hobbies, monogram designs, graphical images, animals, classical and popular art, and landscapes, among others. For college environmentalists, Michigan students can even go green with several earth-friendly designs printed on brand new biodegradable cards that will not leave any toxic imprint on the environment.
 

A Bit Of Advice On Handling Your Student Card Responsibly

As can be expected, there are some restrictions and fees associated with the Discover® Open Road Card for Students. As a general rule, it is always a good idea to read the entire Terms and Conditions of any credit card offer before you apply for it. And don’t forget to use common sense with your credit card – if you can’t afford to pay cash for something, don’t charge it. Exercise restraint to avoid graduating with a mountain of debt!
 

In A Nutshell

All in all, the Discover® Open Road Card for Students is an excellent card to have from freshman to senior year. Because Discover is consistently rated as one of the highest scoring companies in terms of customer loyalty and satisfaction according to the Brand Keys Customer Loyalty Engagement Index Report, student card holders often continue their relationship with Discover after they graduate from college. Because of the excellent customer service, protections, and more, it pays to be a part of the Discover family.
 

The Discover® Open Road Card for Students earns you Cashback bonuses on every purchase you make, and double on essentials like gas and restaurant charges. These Cashback bonuses can easily be redeemed for gift cards as small as $20 or cash and for account statement credits in $50 increments or more. Whether you want to shop during your spring break or simply get some of the money you spend on purchases back in your pocket, you should definitely consider the Discover® Open Road Card for Students.
 
With NO annual fee and the current 9-month 0% Introductory APR offer, enrolling with the Discover® Open Road Card for Students is by far one of the best college decisions you can make.
 

Student Credit Cards: Learn The Basics About Interest Rates (APR) and Credit Card Fees

A credit card’s interest rate is one of the most important things a student credit card consumer must understand.

What Does APR mean?

A credit card interest rate is the price the credit card issuer charges its card holders for borrowing money. In the credit card context, the interest rate is stated as an annual rate, commonly referred to the annual percentage rate (APR). With the majority of credit cards, the card holder can avoid having to pay interest on purchases if they pay their balance in full every month.

How Do I Know What The APR Is On My Credit Card?

The APR is commonly located on your monthly credit card statement near the amount owed. The APR will also be set forth in your credit card offer. It is important to note that it is possible for one credit card to have several APRs. Here are some examples to consider:

Can The APR May Be Different For Different Types Of Transactions?

All credit cards have a “purchase APR” which is the interest rate the credit card holder will pay on purchases. In most cases, the card holder will only have to pay interest on purchases if they maintain a balance into the next billing cycle. Typically, credit cards have a different APR for cash advances or balance transfers.

What Is An Introductory APR?

A credit card may have a lower APR during an introductory period and a higher interest rate after at the conclusion of the introductory period. Under Federal law, the duration of the introductory period cannot be less than six months. Moreover, the credit card issuer must disclose what the interest rate will be at the expiration of the introductory period. For example, a credit card’s introductory rate may be 0 percent for six months and then go up to 18.5 percent.

What Is A Penalty APR?

The APR on a credit card may increase if the card holder does something that triggers a penalty under the terms of the agreement. For example, a late payment or a bounced check could allow a credit card issuer to impose a penalty.

What Is The Difference Between A Fixed And A Variable APR?

Generally, a credit card will have a fixed or a variable APR. A “Fixed-rate APR” is an interest rate set at a particular percent which cannot change during the period of time identified in your credit card agreement. If the credit card agreement does not specify a time period for the APR, the rate cannot change as long as your account is open.
 
Unlike the fixed rate APR, a “Variable-rate APR” is subject to change. In some instances, a variable APR may change depending upon fluctuations of an independent index like the prime rate or Treasury bill rate. The credit card application and agreement must disclose how often your card’s APR may change.
 
In some instances, credit card issuers offer a combination of fixed and variable APRs. Typically, credit card issuers offer a fixed-rate APR that becomes a variable rate after the introductory period ends. It is very important that all credit card holders carefully read the terms of the credit card agreement fully to understand if the APR can change and the circumstances which might cause the APR to adjust.

Student Credit Cards: Understanding Credit Card Fees

Typically, credit card charge fees. It is crucial that student credit card holders read the credit card agreement and understand what their credit card fees are or can be at some point in the future. Listed below are some common credit card fees to be aware of when you apply for a student credit card.
Application Fee. The application fee is a fee that may be charged to apply for a credit card.

Annual Fee. An “annual fee”, also referred to as a “membership fee” or “participation fee”, is the amount charged to the credit card customer for the privilege of having the credit card. In some instances, the credit card issuer charges a lump sum annual fee. In other instances, the credit card issuer spreads the cost out and charges a portion of the fee every month.
Set-Up Fee. A “set-up fee” is an amount that a credit card issuer might charge when the new credit card holder opens a new account.
Cash Advance Fee. A “cash advance fee” is the sum that is charged by the credit card issuer when the credit card is used to get cash from an ATM. The fee may be a flat fee (e.g., $5 per transaction), or the fee may be a percentage of the total amount of the cash advance (e.g., 2% percent of the total amount of cash advanced, including any ATM fees).

Balance-Transfer Fee. A “balance-transfer fee” is an amount charged by the credit card issuer when the credit card holder transfers a balance from one credit card to another. Like the “cash advance fee,” the “balance-transfer fee” may be a flat fee (e.g., $5 per transaction) or it may be a percentage of the transfer (e.g., 2% percent of the total amount transferred).

Late-Payment Fee. A “late-payment fee” is a sum charged by the credit card issuer when the credit card holder submits a payment that is received after the due date.
Over-The-Limit Fee. An “over-the-limit fee” is an amount charged by the credit card issuer when the credit card holder exceeds the credit card’s credit limit. Under the law, the credit card customer must authorize the credit card issuer to permit you to go over your limit in order for the credit card issuer to charge the “over-the-limit fee.” If the card holder does not authorize the credit card issuer to permit you to go over your credit limit, your transaction will most likely be declined.

Credit-Limit-Increase Fee. A “credit-limit-increase fee” is a sum charged by the credit card issuer when the credit card holder requests and receives an increased credit limit

Read Your Agreement & Understand Your Rights. Be certain to read the terms of the credit card agreement carefully to understand the services offered by credit card issuers along with all the associated fees. Federal law limits the total fees charged during the first year after new account is opened to 25% of the initial credit limit. In some instances, the credit card issuer may also offer insurance or debt coverage – for a fee.

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Student Credit Card Applications

Student credit card applicants from the schools below are welcome to email their comments about the best credit card rewards programs they have uncovered:

Adrian College, Adrian
Albion College, Albion
Alma College, Alma
Aquinas College, Grand Rapids
Calvin College, Grand Rapids
Concordia University, Ann Arbor, Michigan
Cornerstone University, Grand Rapids
Hillsdale College, Hillsdale
Hope College, Holland
Kalamazoo College, Kalamazoo
Madonna University, Livonia
Saint Mary’s College, Orchard Lake Village
Marygrove College, Detroit
Olivet College, Olivet
Siena Heights University, Adrian
Spring Arbor University, Spring Arbor

Private colleges and universities

Andrews University, Berrien Springs
Baker College, multiple locations
Cleary University, Ann Arbor and Howell
College for Creative Studies, Detroit
Thomas M. Cooley Law School
Cranbrook Academy of Art, Bloomfield Hills
Davenport University, multiple locations
Finlandia University, Hancock
Grace Bible College, Grand Rapids
Great Lakes Christian College, Lansing
Great Lakes Maritime Academy
Kettering University, Flint (formerly General Motors Institute)
Kuyper College, Grand Rapids (formerly Reformed Bible College)
Lawrence Technological University, Southfield
Lewis College of Business
Manthano Christian College, Westland
Michigan Jewish Institute, West Bloomfield
Michigan School of Professional Psychology
Miller College, Battle Creek
Northwood University, Midland
Rochester College, Rochester Hills
Spring Arbor University, Spring Arbor
University of Detroit Mercy, Detroit
Walsh College, Troy and Novi

[edit] Seminaries

Calvin Theological Seminary
Detroit Baptist Theological Seminary
Ecumenical Theological Seminary
Grand Rapids Theological Seminary
Moody Theological Seminary–Michigan
Puritan Reformed Theological Seminary
Sacred Heart Major Seminary
SS. Cyril and Methodius Seminary
Theological School of the Protestant Reformed Churches
Western Theological Seminary
Yeshiva Gedolah Ateres Mordechai of Greater Detroit

Public colleges and universities

Central Michigan University, Mount Pleasant
Eastern Michigan University, Ypsilanti
Ferris State University, Big Rapids
Kendall College of Art and Design, Grand Rapids
Grand Valley State University, Allendale, Grand Rapids
Lake Superior State University, Sault Ste. Marie
Michigan State University, East Lansing
Michigan Technological University, Houghton
Northern Michigan University, Marquette
Oakland University, Rochester Hills
Saginaw Valley State University, University Center
University of Michigan, Ann Arbor, MI
University of Michigan–Dearborn
University of Michigan–Flint
Wayne State University, Detroit
Western Michigan University, Kalamazoo