When choosing your college student credit card, take into consideration more than which card company is handing out free T-shirts at the student union. One thing to look for is a 0% introductory rate. These deals on college credit cards let you borrow money on your card for free until the introductory rate term is up. Then the interest rate reverts to the original high rate. These cards can be especially useful at the beginning of a semester when you may have a lot of books to buy and apartment setup fees to pay, but you haven't yet received a paycheck from your job. Make sure that you pay your college credit cards off as soon as you can to avoid having to pay extra for those things you bought at the beginning of the semester.

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