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Most have balance transfer fees, although the Barclaycard Ring does not.

In some ways, the student credit cards are indistinguishable from other cards.

If you don’t have a job, your best bet is to have a parent add you as an authorized user, which will help you build credit, but you won’t be legally responsible for the charges.

Just be sure to check with the card issuers that they will send the card’s good credit habits to the credit bureaus’ file for the student. The CARD Act, which was signed into law in 2009, has protections in place for consumers under 21 years old, because previously, there were issues with college students signing up for credit cards and incurring large amounts of debt.

By paying a refundable deposit of say, $200, you basically borrow off of that money with a credit limit that usually matches the deposit.