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Some people might be put off getting credit cards for college students because of obvious reasons. One of these is that the moment you hear the words credit card, you probably assume debt, debt and oodles more debt. This is not exactly the case for college students. Ah ha, there really are some advantages to being a student. While credit cards are notorious for having utterly awful APR’s, which are annual percentage rates; many credit cards for college students lack this burden. Yes, you can actually apply for a student credit card that doesn’t instruct you to fork out 18 percent every month. It’s common for credit cards for college students to have a 0% APR as long as they keep the charged balance below a certain figure. So if you’re only aloud to spend 400 dollars or you get hit with an APR of 10-20 percent, you’d better keep the balance below 400 dollars.