Credit Cards

Student Credit Cards For 17 Year Olds

Student Credit Cards For 17 Year Olds

Are you a 17-year-old student looking for independence and a way to start building your credit? Acquiring a student credit card might be the answer! However, the financial world might be a little overwhelming at your age, with so many credit card options available. Fret not! Flik Eco has got you covered. In this article, we'll help you understand the perks of having a student credit card, what to look for, and how to find the best card for you.

Why Get a Student Credit Card?

Student credit cards are designed specifically for young adults, usually college students who are just starting out on their financial journey. Here's why you should consider getting one at the age of 17:

  • Build credit history: Timely use and repayment of a student credit card can help you begin to establish a good credit history, which will be crucial later on when applying for loans or other financial products.
  • Learn responsible spending habits: Having a credit card early on can help you develop responsible spending habits, gain an understanding of budgeting, and become comfortable with the concept of borrowing and repaying money.
  • Perks and rewards: Many student credit cards offer cashback rewards, discounts, and other perks to incentivize responsible usage.
  • Emergency funds: A credit card can be a useful safety net in the case of a financial emergency, as long as it is used responsibly.

Factors to Consider When Choosing a Student Credit Card

Before applying for a student credit card, you should consider the following factors:

Minimum age requirement

Most credit card issuers require applicants to be at least 18 years old. However, some may allow you to get a card at 17 if you have a co-signer, such as a parent or guardian, who is willing to accept responsibility for your debts.

Interest rate

Student credit cards often have higher interest rates compared to general cards, so it's essential to compare options and look for a card with a competitive APR (annual percentage rate).


Many student credit cards come with no annual fee, but some may charge other fees like late payment or balance transfer fees. Make sure to read the terms and conditions thoroughly and understand any potential fees before applying.

Rewards and perks

As a student, you'll want to make the most out of your credit card. Look for cards that offer useful perks for your lifestyle, such as cashback on everyday purchases, discounts at popular stores, or other benefits that suit your needs.

Credit limits

Starting credit limits on student cards are typically low to help you manage your spending and credit utilization better. Look for a card that offers a reasonable credit limit for you to start building your credit responsibly.

Student Credit Cards For 17 Year Olds Example:

Meet Sarah, a 17-year-old college student who wants to start building her credit while enjoying some useful perks. She does her research and finds a student credit card that allows her to apply at her age with the help of a co-signer.

Sarah chooses a credit card with no annual fee, a competitive APR, and cashback rewards on everyday purchases like groceries, dining, and gas. She also makes sure the card has a reasonable credit limit to avoid overspending and a user-friendly mobile app to help her track her spending and payments.

By using her credit card wisely and always paying her balance on time, Sarah is actively building her credit history and enjoying the perks that her student credit card offers.

Now it's your turn! Start your financial journey today by finding the best student credit card for you. Remember to consider factors such as minimum age requirement, interest rate, fees, rewards, and credit limits when making your choice. And don't forget: always use your credit card responsibly to build a strong credit history and enjoy a secure financial future. Don't keep this valuable information to yourself – share it with your fellow students and let them know how Flik Eco can help them make better financial decisions. Stay tuned for more tips and advice from Flik Eco on personal finance and investing. Happy spending!


About Jermaine Hagan (The Plantsman)

Jermaine Hagan, also known as The Plantsman is the Founder of Flik Eco. Jermaine is the perfect hybrid of personal finance expert and nemophilist. On a mission to make personal finance simple and accessible, Jermaine uses his inside knowledge to help the average Joe, Kwame or Sarah to improve their lives. Before founding Flik Eco, Jermaine managed teams across several large financial companies, including Equifax, Admiral Plc, New Wave Capital & HSBC. He has been featured in several large publications including BBC, The Guardian & The Times.

Related Posts