When it comes to building credit, students are people that are sometimes left out of the discussion. This should never happen, though. Students are people who desperately need a way to earn credit in order to succeed after they get out of college. One great way for students to build credit is through a student credit card. There is one card in particular that is allowing students to build credit in a stress-free way.

More and more college students are picking up on the credit card trend, as a recent study showed that more than 75% of all students have their own card. The media has made a big deal about how credit card providers are gearing their services towards students. The study seems to support this idea. Credit card companies want to believe that all students are grownups, and their credit cards certainly lend credence to that. What is the best credit card out on the market today for students? The Citi mtvU Platinum Select Visa Card seems to provide the best aspects for students.

Why is this credit card the best one for students during their college years? On one hand, it gives students everything that all people look for in their credit card. Low fees and low APR aren’t things that are aimed only for students. Everybody is looking for these things! Not many student credit cards offer that combination, though. The real reason why students need to check out this new card is because of all the cool stuff that you can get your hands on.

Every rewards card seeks to give their customers lots of good stuff, but the mtvU card takes that to another level. The majority of students will tell you that they have two huge costs when attending college. They eat out a lot, and they spend a small fortune on books every semester. Like a smart company, Citi is giving students a break on those specific things. This card rewards students with five ThankYou Points for each dollar they spend at restaurants or bookstores. In addition to that, students can even earn points on those little things they might need on a random Friday night. You know - the trips to the movies or the record store. How are students supposed to redeem these rewards? They can be converted into gift cards or even cash to be put towards student loans. It is a novel idea, as Citi has become the first student credit card to give students what they actually want.

Citi has also left a huge opportunity open for students that don’t include the bare necessities of college. With this card, students can get 5% cash back on things purchased at Amazon.com. Though Amazon.com is, in effect, a bookstore, students can purchase a number of different things there. If students feel like buying a new iPod, the credit card won’t discriminate against that purchase.

Citi seems to be intent on only offering this credit card to students. While other “student” credit cards can be attained by non-students, this one requires a lot of verification. Some people have claimed that the company is requesting a transcript along with your application in many cases. This is good for students, but leaves everybody else out in the cold, if they were planning on using the card for their own purposes. It does bear mentioning that students are also rewarded for good performance. Much like in middle school, college students can earn rewards points by maintaining a good GPA and having a solid record of payment. These things combine to make this a can’t miss card for students.