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Because students have limited experience with credit, card issuers keep credit limits lower.

Given the promise of a life-long customer, credit card issuers are willing to risk offering credit to someone with no credit history. When a student stays on a parent’s credit cards for too long, he or she misses the opportunity to build a credit history. Only when you have a credit card in your own name does your responsible borrowing history begin to get registered with credit bureaus.

Those under 21 may need a card cosigner. Still, establishing a responsible credit history now creates the conditions to win you the best rates for life’s big purchases – homes and cars. 

Here, First Financial has compiled the cards providing the best rewards to students who lack a credit history. Getting a credit card now sets you up for a firm financial foundation

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