According to nerdwallet.com

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In the bad old days, credit card issuers used to set up tables on college campuses, giving out free T-shirts or Frisbees if students signed on the dotted line to get a student credit card. According to nerdwallet.com, this kind of easy access to credit was great for some, but it got many young people into debt. Financial reform mostly put an end to these practices, and students — indeed all adults under age 21 — now have a much tougher time getting approved for a credit card.

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Student credit cards seem attractive; unfortunately, it is not that simple. In fact, student credit cards are something of a myth. You still need to go through the same vetting process as non-students, and it can still be tough to get approved unless you have a significant income.

Most student credit cards are not too different from regular cards — except that they are marketed to students. Card issuers still check your credit history. They still want to see a steady income. And unless you are working full time, they require applicants under 21 to get a co-signer.

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Some cards do have special benefits for students, like bonuses for good grades or higher rewards on common expenses for students. But for the most part, they are normal credit cards packaged to appeal to students.

If you are ready to apply for a credit card and begin building credit, here is what you should know.

Age and income requirements

If you are under 21

It is technically possible to get a credit card on your own, but issuers will require you to have an independent income, which most college students do not have. If you are under 21 and don’t have your own income, you will need a parent or another trusted adult to co-sign for you on a credit card application.

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If you are over 21

Credit card restrictions are not as tight once you pass your 21st birthday. You will still need to demonstrate that you have income, because issuers want to know that you can pay back what you spend. But you can include any income to which you have reasonable access, such as the income of a partner or spouse.

 

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