The Fidelity Investments® 529 College Rewards® American Express® Card, issued by FIA Card Services, N.A., is designed for students with very good credit who would like to earn cash deposits to their Fidelity 529 College Savings Plan account.

Through the reward program, cardholders earn 1.5 points for every $100 spent on net retail purchases. Each point is equal to one Fidelity 529 Dollar and points are automatically deposited into the cardholder's Fidelity-managed 529 plan account each time 50 points are accrued. The amount of money that can be deposited into the account is limited to $1,500 per year, but points never expire.

Through the American Express Selects(SM) program, cardholders will receive special online offers from merchants around the world and save on airfare, electronics and more.

In addition to the reward program, the card also provides common benefits such as emergency cash replacement, access to a personal concierge service, and online account access.

The card has a reasonable interest rate for purchases and balance transfers, no annual fee, and a 0% introductory rate that can be applied toward cash advance checks and balance transfers for the first twelve billing cycles.

Therefore, students who will be able to take advantage of the reward program and the low introductory offer will benefit most from what the Fidelity Investments® 529 College Rewards® American Express® Card has to offer.

Card Last Review 2008-02-06

The Citi® Platinum Select® Card for College Students, issued by Citibank, is designed for those students who have a somewhat established credit history as this is a platinum credit card.

The interest rate for purchases and balance transfers is average for a student credit card, and there is no annual fee. Cardholders will also be able to take advantage of a 0% introductory rate that applies to all transactions for the first six months of membership (a rare benefit for a student credit card). However, there is a minimum cap of 19.99% for cash advances; so no matter how low the Prime Rate falls (the APR is tied to the Prime Rate), the interest rate will not go below the minimum cap.

As with many Citibank platinum credit cards, cardholders can expect access to a variety of benefits that include up to $1,000,000 in travel accident insurance, auto rental insurance, fraud protection services, and various travel and emergency assistance services. In addition, the card offers students special discounts at select merchants and retailers.

Therefore, students who can afford to pay in full each month after the introductory rate expires (to avoid finance charges) and plan to take advantage of the student-related discounts will benefit most from what the Citi® Platinum Select® Card for College Students has to offer.

Card Last Review 2008-02-28

The Citi® Dividend Platinum Select® Card for College Students, issued by Citibank, is a cash back credit card designed specifically for students.

Through the reward program, cardholders earn a 5% cash back rebate on purchases made at supermarkets, gas stations, drugstores, convenience stores, and utilities including cable for six months and 2% thereafter, and they earn a 1% cash back rebate on all other purchases as well as on cash advances and convenience check transactions taken at the standard cash advance rate. Cardholders will receive $5 Dividend Dollars for each balance transfer transaction of $1,500 or more. Cardholders can also earn an average of 5% cash back on purchases made through the Citi Dividend Merchant Network. The rebates earned on purchases through the Citi Dividend Merchant Network are unlimited, but the rebates earned on all other purchases are subject to a $300 maximum per year. A $50 check will be issued upon request once $50 Dividend Dollars have been earned.

This card has no annual fee, but it does have an above average interest rate for purchases (for a student card). However, there is a 0% introductory rate that applies to all transactions for the first six months (a rare benefit for a student card).

It is important to understand that there is a minimum cap of 19.99% for cash advances; so no matter how low the Prime Rate falls (the APR is tied to the Prime Rate), the interest rate will not go below the minimum cap.

The card also offers several platinum benefits and services such as up to $1,000,000 in travel accident insurance, lost and stolen card reporting, and identity theft solutions. However, it is the reward program that proves to be the best benefit available to cardholders.

Therefore, students who can afford to pay in full each month after the introductory rate expires (to avoid finance charges) and plan to spend enough to take advantage of the rebate program will benefit most from what the Citi® Dividend Platinum Select® Card for College Students has to offer.

Those who plan to spend less on the credit card or plan to carry a revolving balance may want to consider a credit card with a lower interest rate.

Card Last Review 2008-02-28

The Citi® Driver's Edge® Card for College Students, issued by Citibank, is designed for students who are planning on purchasing a new or used car (foreign or domestic) within a five-year period.

Through the reward program, cardholders earn a rebate of 3% for purchases made at supermarkets, drugstores, and gas stations. All other purchases earn a 1% rebate. Cardholders can also earn Drive Rebates at a rate of $0.01 per mile driven. Up to $1,000 in rebates can be earned toward a vehicle during any twelve consecutive months, and any unused rebates expire in five years. The maximum amount of rebates that can be redeemed is $5,000 per vehicle. Rebates can also be used for the payment of maintenance, service, or repair performed on a vehicle. Rebates can also be converted into ThankYou(SM) Points and redeemed through the ThankYou(SM) Network.

This card has no annual fee and a 0% introductory rate that applies to all transactions for the first six months (which is a rare benefit for a student card). However, this card does have an above average interest rate for purchases and balance transfers. There is also a minimum cap of 19.99% for cash advances. Therefore, no matter how low the Prime Rate falls (the APR is tied to the Prime Rate), the interest rate will not go below the minimum cap.

This card offers students a variety of benefits and services provided by Citibank, such as auto rental insurance, various security features, and up to $1,000,000 in travel accident insurance.

Therefore, those students who plan to take advantage of the rebate program, plan on driving long distances (to earn additional Drive Rebates), and can afford to pay in full each month once the introductory rate expires (to avoid finance charges) will benefit most from what the Citi® Driver's Edge® Card for College Students has to offer.

Card Last Review 2008-02-28