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Best Student Credit Cards For 2016Student credit cards are designed for US college students over the age of 18, and are, in my opinion, something that each college student should have so that they can start building up a credit history and have a good credit score by the time they graduate (which is essential for employment checks, housing rental, and
loans). A credit card will also come in handy when paying for everyday expenses such as groceries and utilities. What I like most about student cards is that many of them offer a rewards system and additional incentives when students get good grades and pay their bills on time. Some cards even offer a points system that gives you points for every dollar you spend. You can even find some student cards that offer 0% introductory APR (annual percentage rate) on purchases, which lets you hold a balance from one month to the other without incurring interest for a predetermined period of time.To help you choose the right student credit card for yourself, we've put together a list of our 5 best rated student credit cards currently available in the US. All the cards below have no annual fee. , a partner cardOur Rating:4.30/5Discover matches all the cash back you've earned at the end of your first year - automatically. Only for new cardmembers.Why we like itDiscover matches all the cash back you've earned at the end of your first year - automatically. Only for new cardmembers.Earn 5% cash back in new bonus categories like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cashback on all other purchases.Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.No annual fee. No late fee on first late payment. No APR change for paying late.Get 100% U.S. based customer service & FICO® Credit Scores for free on statements & online.Freeze ItSM on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.24% - 22.24%.Click "Apply Now" to see rates, rewards, FICO® Credit Score terms, Cashback Match& details & other information.Intro APR0% intro APR* on purchases for 6 months
Regular APR13.24% - 22.24% Variable* Annual Fee $0 Credit Required Fair Why we like itNo annual fee. No late fee on first late payment. No APR change for paying late.Earn 5% cash back in new bonus categories like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cashback on all other purchases.What we would avoidNo 0% intro APR for balance transfers.Intro APR0% intro APR* on purchases for 6 months
Regular APR13.24% - 22.24% Variable* Annual Fee $0 Credit Required Fair Why we like itDiscover matches all the cash back you've earned at the end of your first year - automatically. Only for new cardmembers.Earn 5% cash back in new bonus categories like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cashback on all other purchases.Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.No annual fee. No late fee on first late payment. No APR change for paying late.Get 100% U.S. based customer service & FICO® Credit Scores for free on statements & online.Freeze ItSM on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.24% - 22.24%.Click "Apply Now" to see rates, rewards, FICO® Credit Score terms, Cashback Match& details & other information.Related Links Read our review of
or view more details of . See more .Discover it® for Students, issued by Discover Financial, lets you earn 5% cash back in categories that change each quarter up to the quarterly maximum of $1,500, such as gas, restaurants, Amazon and more. You have to sign up for each quarter. Earn 1% cash back on all your other purchases. Offer for new cardmembers only: Receive $20 cash back each year in which your GPA is above or equal to 3.0, for up to the next 5 years. Enjoy 0% intro APR on purchases for 6 months, (13.24% - 22.24% variable purchase APR thereafter), and 10.99% intro APR on balance transfers for the first 6 months (13.24% - 22.24% variable purchase APR thereafter). This student card has even made it to our list of
for the year. Choose your card design. No annual fee.Read our review of
here.Discover it® chrome for Students Our Rating:4.20/5WHY WE LIKE IT2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter - no sign-ups needed. 1% cash back on all your other purchases.No annual fee. No late fee on first late payment. No APR change for paying late.WHAT WE WOULD AVOIDNo 0% intro APR for balance transfers.INTRO APR0% on purchases for 6 monthsREGULAR APR13.24% - 22.24% Variable*ANNUAL FEE$0CREDIT REQUIREDFairCARD DETAILSDiscover matches all the cash back you've earned at the end of your first year - automatically. Only for new cardmembers.2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter - no sign-ups needed. 1% cash back on all your other purchases.Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.No annual fee. No late fee on first late payment. No APR change for paying late.Get 100% U.S. based customer service & FICO® Credit Scores for free on statements & online.Freeze ItSM on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.24% - 22.24%.Click "Apply Now" to see rates, rewards, FICO® Credit Score terms, Cashback Match& details & other information.RELATED LINKS Read our review of
or view more details of . See more .Discover it® chrome for Students is a good credit card to use if you have a car and spend money on gas, or if you eat out a lot. You earn 2% cash back for up to $1,000 of combined purchases you make at gas stations and restaurants every quarter. You earn 1% cash back for all your other purchases, so every time you make a purchase with this card you earn cash back. Keeping track of your credit score is indispensable to building good credit, and this card lets you track your recent FICO® Credit Scores for free online and on monthly statements, in an easy-to-read chart. Benefit from 0% intro APR on purchases for 6 months, with 13.24% - 22.24% variable purchase APR after that. This card now comes with good grades rewards so you can earn $20 cash back each school year in which your GPA is 3.0 or higher (for up to the next 5 years). At the end of your first year the cash back you have earned will be matched, this offer is only for new cardmembers. This card has no foreign transaction fee, no overlimit fee, and no annual fee.Read our
review here.Citi ThankYou® Preferred Card for College Students Our Rating:4.00/5At Citi's secure websiteWHY WE LIKE ITEarn 2,500 bonus ThankYou® Points after spending $500 within the first 3 months of cardmembership.WHAT WE WOULD AVOIDNo introductory APR offer on balance transfers.INTRO APR0% intro APR on purchases for 7 monthsREGULAR APR14.24% - 24.24%* (Variable)ANNUAL FEENo annual feeCREDIT REQUIREDGoodCARD DETAILSEarn 2,500 bonus ThankYou® Points after spending $500 within the first 3 months of cardmembership.2 ThankYou® Points per dollar spent on purchases for dining at restaurants and entertainment.1 ThankYou® Point on other purchases.Points do not expire and earn unlimited Thank You PointsRedeem ThankYou Points for merchandise, travel rewards, gift cards, cash and moreTravel with ease and enjoy global acceptance with Chip TechnologyNo annual fee*RELATED LINKS Read our review of
or view more details of . See more .Citi ThankYou® Preferred Card for College Students gives you 2,500 bonus ThankYou points when spending $500 on this card within the first 3 months of card membership. You'll earn 2 points for each dollar you spend on entertainment and dining at restaurants, as well as 1 point for each dollar you spend elsewhere. Enjoy 0% intro APR on purchases for 7 months (14.24% - 24.24% variable APR thereafter). No annual fee. Read our review of
here.Journey® Student Rewards from Capital One® Our Rating:3.90/5WHY WE LIKE ITEarn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month.WHAT WE WOULD AVOIDNo introductory low APR period.REGULAR APR20.24% (Variable)ANNUAL FEE$0CREDIT REQUIREDFairCARD DETAILSEarn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that monthThere's no limit to the amount of cash back you can earn, and rewards don't expireGet access to a higher credit line after making your first 5 monthly payments on timePay no annual or foreign transaction feesFraud coverage if your card is lost or stolenPick the monthly due date that works best for youRELATED LINKS Read our review of
or view more details of . See more .Journey® Student Rewards from Capital One® gives you 1% cash back on all your purchases, and rewards you with a 25% bonus on the cash back you earn each month as long as you pay your bills on time. That means you can earn a total of 1.25% cash back. There's no limit to what you can earn and you can redeem your cash back any time you want. Cash back doesn't expire. Busy students will be pleased to know that you can even set up automatic redemptions. Enjoy a higher credit line after you make your first 5 monthly payments on time. No annual fee. Read our review of
here.Wells Fargo Cash Back College Visa® card Our Rating:3.40/5INTRO APR0.00% for 12&months for purchases and balance transfersREGULAR APR11.15% to 21.15% variable APRANNUAL FEE$0 Annual FeeCARD DETAILSLearn more about establishing good credit and how it can help you achieve your financial goals, /pathtocredit.View our current fees and ratesEnjoy $0 Annual FeeEarn 3% cash rewards on gas, grocery, and drugstore net purchases for 6 months, 1% cash rewards on virtually all other net purchases everyday.1RELATED LINKS View more details of . See more .Wells Fargo Cash Back College Visa® card lets you earn 3% cash back on gas, grocery and drugstore net purchases for the first 6 months after you sign up, after that you earn 1%. You also get 1% cash back for all other purchases. Cash back can be redeemed in increments of $25, either as a deposit into your savings or checking account, as a check, for rewards or as credit. You also get a 0% introductory purchase and balance transfer APR for 12 months, after that, the variable purchase and balance transfer APR will be 11.15% to 21.15% variable APR. Since the ongoing APR you get depends on your creditworthiness, if you don't have a (good) credit history yet you should be prepared to get a high APR. If you make your payments on time, you won't only avoid paying APR but will also build a good credit record. Benefits include chip-based technology, which gives you more security and lets you use this card outside of the US, and zero liability for fraudulent transactions. $0 annual fee.Student credit cards are a great way for you to build good credit, which will be very important for you in the near future when you want to get a mortgage or loan. Apart from building a good credit history, having a student credit card will give you access to a line of credit and cash, some cards even let you earn rewards or cash back when you make purchases.Some student cards reward you if you have a good GPA and pay your bills on time and most cash back student cards let you earn between 1%-5% cash back when you make purchases with the card. Remember to always read the terms and conditions of the cards you're comparing in order to find the one that will give you the most rewards on the things you spend more money on. Many credit cards for students offer a 0% introductory APR period for purchases, which is something you should keep in mind when looking for a credit card and planning on holding a balance (in case you make a large purchase that you can't pay off in full before the due date). Remember that this introductory interest rate expires after a number of months, after which you will have to pay the APR which tends to be high, starting from 12.99% or more. So you shouldn't use your card as a supplemental student loan.If you are careful, your student credit card will be a huge advantage to you, now and in later life. To see our full selection of
click here.A student credit card serves a dual purpose. On the one hand it gives you all of the benefits that come with a credit card, like earning rewards, getting insurance coverage for purchases, and being able to make purchases and pay for them later. On the other hand, a student credit cards serves as an efficient credit building tool if used correctly. You should always make your payments in full on time, to build a solid credit history.The exact benefits you should look for when checking out student credit cards will depend on your situation and how you go about your spending. But there are a few basics that good student credit cards should offer:Since having a student credit card is all about building your credit history and raising your credit score, being able to regularly check on your progress is a must. Not all student credit cards give you access to your credit score, so I suggest you stick to the cards that do have this benefit. ,
all let you access your credit score.With many good student cards offering cash back or points on your purchases, there isn't much point in getting a card that doesn't have this benefit. lets you earn 5% cash back in categories that change each quarter (like gas, restaurants,
and more). You earn that cash back up to the quarterly maximum of $1,500 when you sign up. All other purchases earn 1% cash back, so you can earn rewards on every purchase you make.As a student you probably don't have money to waste on an annual fee. These days you can get very rewarding credit cards without paying any annual fee. Save your money for something better.Student life has enough challenges. The last thing you need are worries about a misplaced credit card distracting you during study hours. Security is a very real issue. If somebody were to use your credit card to make crazy expensive purchases, the damage to your credit score could stick with you a long time. Discover Financial Services includes a neat Freeze It℠ on/off switch feature that lets you instantly freeze or enable your card account right from your phone. Freezing your account prevents anyone from making new purchases, balance transfers or getting new cash advances using your misplaced card. That can give you a lot of peace of mind if your card is misplaced or stolen.There are other benefits you should look for, like travel and shopping benefits. Some cards give you travel insurance when you use them to make a purchase. Price protection and guaranteed return are two shopping benefits to look for.Some student cards have special benefits that encourage good credit behavior.
lets you earn a 25% bonus on the 1% cash back you earn, each month that you make your payment on time. So paying your credit card bill on time can help you earn a total of 1.25% cash back.Additional Resources :Katrina Gutierrez is a writer , a lifestyle and personal finance website. Email: katrina..Editorial Disclosure: Any personal views and opinions expressed by the author in this article are the author's own and do not necessarily reflect the viewpoint . The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone, not those of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities.More Good ReadingSign up to get our newsletter with money saving tips, deals and coupons - no spam.GET OFFERS
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- How We Rate Credit Cards we compare credit cards and rate them objectively based on the credit card's features, interest rates and fees.Cards are rated by our team based primarily on the basis of value for money to the cardholder.
team rates each card based on its annual fee, rewards, benefits, bonus, introductory APR, ongoing APR, flexibility (in how its benefits can be used and how rewards are earned and redeemed), and other card features.解析试题分析：考查单词意思，Otherwise意思“否则”，Meanwhile意思“同时”，Therefore意思“因此”，Thus意思“因此”， Therefore通常指引出一个推断出的必然结论；Thus多用于书面语，可与Therefore互换，所以C、D都可以选，句子意思“做为高三的一名学生，我必须要刻苦努力，因此，我应该锻炼身体增强我的身体”，所以选C、D考点：考查单词意思点评：固定词组take exercise意思“做锻炼”， must和should是情态动词，must否定形式是can’t，mustn’t表示禁止，should意思“应该”，其否定形式是shouldn’t意思“不应该”。
请在这里输入关键词：
科目：高中英语
来源：英语教研室
科目：高中英语
题型：阅读理解
信息匹配（共5小题，每小题2分，共10分）（答案请填涂在答题卡上，若选E，请同时涂黑AB，选F，请同时涂黑CD）
阅读下列应用文及相关信息，并按照要求匹配信息。请将答案填涂在答题卡标号为51~55的相应位置上。
首先，请阅读以下学生会部门信息：
A. The presidium(主席团)
Our job includes the formation of an overall work plan and organi preparation for a communication platform between s and co-ordination(协调) for the departments. We will try our best to serve all in our school.
B. Department of Culture and Propagation(宣传)
We design posters for all big events and
we announce
we distribute notices from the school and Students’ Union.
C. Department of Art and Sports
Our job is to arrange arts and sports activities and competitions. We are devoted to the encouragement of all in our school to show their talents, as well as to enjoy rich school lives.
D. Department of School Life Management
Our department aims to solve the problems that appeared in our students’ school life. We listen to opinions and suggestions about the school services and equipment. We report these suggestions to the school.
E. Department of Associations
We are the organizers of the students’ associations. Our job is to manage activities of the students’ associations. We provide a rich and challenging after-school program for all of the students.
F. Department of External Relations
We are the connection between our school and our brother schools. We are the window to show our students’ talents. We demonstrate our advantages and characteristics through promotion and activities. Our target is to spread our reputation all over the country and overseas.
阅读下面学生会待聘人员信息，然后匹配人员与相关部门：
Simon has got many pen friends and net friends home and abroad. He loves this school and wishes that he could do something to have more people know about it, those excellent teachers and students, the activities, and its glorious achievements.
As an excellent basketball player, Jonathan plays an active part in all of the school’s activities. He thinks sport can help people keep healthy and everybody should take part. He wishes to arrange some activities that everybody could join in.
Frank showed his ability of organization when he was still a very young boy. As a student, he wishes he could do something to improve the relationship between the teaching staff and the students. And, as a matter of fact, he has that ability.
Jennifer is a kind and helpful girl who is always willing to offer a helping hand to whoever needs it. As a student, she knows that many of her schoolmates need help and care. She wishes that she could do something for them.
Flora’s majoring in fine arts and has a part-time job in an advertisement company. She once successfully designed a few movie posters and got much appreciation from the manager of the company. Now she wants to do something for Students’ Union.
科目：高中英语
来源：学年江西省高三下学期3月联合考试英语试卷（解析版）
题型：其他题
阅读下面短文并回答问题，然后将答案写到答题卡相应的位置上（请注意问题后的词数要求）。????????????? （1） Everybody has to buy or sell things sometimes．Even students who are usually not very rich, haveto learn something about making purchases intelligently．As a student, you may find, for example, thatyou need to buy a walkman or winter clothing．You may want to buy a television or a used car．Of course,you want to get good value for your money．If you are considering a major purchase, or any purchase youshould remember several important things．????????????? （2） Study first, and then decide what to buy．You can get enough information just by reading booksand advertisements．????????????? （3） Remember that a high quality product will probably last longer and work better．Of course, for asuperior product you ______________．An inferior product may not give you the same quality,but the price could be low．A poor quality product could be expensive and a valuable one could be on saleat a greatly reduced price．????????????? （4） Don't worry．Take your time．After you decide what product you want to buy, go to manydifferent stores．If you cannot find the product you want, you try to order it directly from the factory orask the store to order it for you．????????????? （5） Look for a good deal．If you wait, you may probably find that your product will go on sale andyou may be able to save 10,20, or even 50 percent of the original price．????????????? （6） Finally, before you buy, make sure that that product is guaranteed．If you find the lowest possibleprice, you will generally be happy with your purchase and also keep more money in the bank．1.What is the main idea of the passage? （no more than 8 words）2.What should you care more while shopping? （no more than 5 words）3.Fill in the blank in Paragraph 3 with proper words．（no more than 5 words）Of course, for a superior product you4.How can you get good value for your money? （list at least two things） （no more than 20 words）5.What does‘the underlined’word“one"’refer to in paragraph 3？&#xa0;
科目：高中英语
来源：2013届福建省高二下学期第一次月考英语试卷（解析版）
题型：书面表达
假定你是李华。在一个英文网络论坛上, 你看到一个名叫Grown-up的中学生发帖（post）寻求帮助, 请根据帖子内容, 写作要点和要求回贴。
写作要点：
1. 告诉Grown-up要理解母亲； &&
2. 给Grown-up提出解决问题的具体建议。
1. 短文需写在答题卡的指定区域。
2. 短文词数不少于120（不含已写好的部分）。
3. 内容充实, 结构完整, 语意连贯。
4. 书写须清晰、工整。
Hi, Grown up,
As a student of your age, I understand your
situation.&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&
_____________________________________________________________________________________
科目：高中英语
来源：学年山东省高一下学期模块检测英语卷
题型：阅读理解
London Summer School in Classics
The London Summer School in Classics 2008
will be held at King’s College London. It will run from 8th July until 17th
July. Applications close on 2nd June, 2008.
&For an application form, please
download either the 2-page PDF or the word format document from the foot of the
page.
If you have any problems downloading the
application form or any questions, please contact: London Summer School in
Classics, King’s College London.
Organization
The school is organized by the colleges of
the University of London. The summer school offers eight days of intensive
teaching in Greek and Latin. There are four language classes each day as well
as lectures and a debate, between 10:30 am and 4:30 pm. The course is not
residential (提供住宿的), and
there is no teaching during the weekend of 12th to 13th July.
The fee is &85.00. Travel grants (旅行补助金) are available as a contribution
to your travel costs, but may not cover all your expenses. The travel grants
are arranged during the summer school.
Teaching is generally in groups of 12-15
people and it, as far as possible, comprises (包含) of students of roughly the same level of experience.
The style of teaching is friendly, but demanding: a lot of work is expected
from students during the school, but they usually find the whole experience
both stimulating and valuable. Some classes concentrate chiefly on reading,
while others offer a mixture of grammar and translation practice. Our tutors
include some of the most experienced and talented teachers of Classics in the
London area and beyond.
The Summer School in Classics caters for a
wide range of interests and for both school & university students as well
as those who wish to learn Greek or Latin, or to revive their knowledge of the
languages. Our principal concern is to provide a thorough program of language
learning in a lively university environment.
1. To join in the school, you have to apply before ________.
&A. 8th July,
2008&&&&&B. 2nd June, 2008 &C. 17th July, 2008&&&& D. 13th July, 2008
2. As a student of the school, you are probably asked to _______.
&A. do a lot of reading in Greek and
Latin
&B. learn the grammar of Greek and Latin
only
&C. do some translation work only
&D. speak Greek and Latin with
experienced teachers
3.What is the London Summer School in Classics most concerned about?
&A. Providing a stimulating experience
for students.
&B. Promoting students to develop a wide
range of interests.
&C. Teaching students languages in a
lively environment.
&D. Improving students’ level of
debating in the argument.
4. Which is one of the teaching ways of the school?
&A. Student groups consist of the same
level students strictly.
&B. Students needn’t do any work in the
class.
&C. Students learn Greek and Latin by
listening to teachers all day.
&D. Students are generally divided into
groups of 12-15.
5.Which of the following can we know from the passage?
&A. The fee is &85, including the travel
costs.
&B. Students needn’t go to class on 12th
and 13th July.
&C. People should fill in two
application forms.
&D. People can contact the school by
phone or email.
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