 TITLE: Do You Have to Be a Student to Get a Student Credit Card? CONTENT: How Student Credit Cards Are Different\n--------------------------------------\nStudent credit cards are different from regular credit cards in several ways. Since students often have little to no credit history and are considered higher credit risks, student credit cards usually have higher interest rates than the average credit card. Students also tend to have lower incomes than working adults, which means student credit cards also have relatively low credit limits. (Some cards will increase your credit limit after you make a certain number of payments on time.)\nMany student credit cards also offer perks designed to appeal to students. In addition to standard rewards such as cash back, some student cards offer an annual credit to cardholders who maintain a certain GPA. Students with better grades tend to be more conscientious, which can translate into better financial habits. Other perks may include one-time late payment forgiveness, free credit score monitoring or financial education tools. END