If you have decided to go back to school and are interested in any type of Chase student card, make sure you perform some research first to ensure that the one you apply for is right for you. The wide array of Chase credit cards for students available today can make finding the perfect card difficult, but finding out what other people think of each card can facilitate the process. You can access plenty of Chase student credit cards advice and ratings on the Internet, allowing you to make an informed decision. Know what to expect from Chase student cards by learning their advantages and disadvantages prior to applying.

Considering the amount of time many students of all ages spend on the Internet, finding out the experiences of others with some type of Chase credit card for students should be easy. Consider the following resources:

1. Read online reviews about Chase bank student credit cards.
2. Browse forums that feature the Chase student card as a discussion topic.
3. Find opinions about the Chase bank student credit card when you read blogs.
   

Action Steps
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Apply online for Chase student credit cards after reading reviews

Even if one of the Chase student card's benefits appear to be a perfect fit for you at first glance, it is best to get the opinions of both consumer experts and real users before you apply. Find out who is happy with their card and why by reading reviews written by people who have a Chase student credit card.

I recommend: Check out the review of the Chase +1SM Credit Card at CreditAndMore.info. CreditShout has a review of the Chase Student Flexible Rewards Card, which is a Chase student Mastercard.

Peruse forums with discussions about Chase credit cards for students

One of the best ways to obtain the opinions of many people at once is to check out online forums. Though most posts are not as in-depth as blogs or reviews, there is more room for discussion on forums. Many websites about topics like college life, money or credit cards feature forums that enable anyone to post their opinions about Chase student credit cards. You even can perform a quick search on most forums to research exactly what you want to know about Chase student cards.

I recommend: Compare the Chase student card with similar cards at StudentPlatinum.com. Find out personal experiences of other students with Chase student credit cards at CreditBoards.com.

Get information on Chase bank credit cards for students through blogs

One way to obtain the opinions of real Chase student card users is to read Internet blogs. Many bloggers and credit card professionals alike enjoy sharing their personal experiences relating to the card, so take their advice into consideration.

I recommend: Read Indews Broadcast for a personal account of a Chase credit card experience.

If you're looking for a credit card that goes beyond the traditional incentives, Chase bank student credit cards may be right for you. In addition to offering low introductory rates, Chase student credit cards offer fun rewards like karma points on Facebook or t-shirts.

Taking on a credit card is a large responsibility, so make sure you are prepared before you apply online for chase student credit cards or succumb to the offers that will undoubtedly arrive in the mail. Consider the following before you respond to a direct-mail solicitation or apply online for a chase student credit card:

1. Take advantage of low introductory rates that will let you transfer other credit card balances over.

2. Check out your credit score before applying. Chase student cards take your credit into mind when determining your credit limit.

3. Know your budget and stick to it before you get a card. Your Chase credit card for students are best used and paid off each month.

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Compare different types of Chase student credit cards

Even if you know that you want to stick with a Chase bank student credit card, it never hurts to shop around and see what is available. You would also do well to compare the benefits and features of carrying a chase student Mastercard versus a Chase Visa credit card. If you find offers that you like, consider calling Chase directly and trying to negotiate.

I recommend: Use credit cards sites that will compare student credit cards side-by-side with each other such as CreditCards.com or E-Wisdom.com.

Get the most out of your Chase student card

Use your Chase student credit cards for more than mere purchases. You can use your Chase student card for balance transfers with a low introductory rate.

I recommend: The Chase student Mastercard offers a variety of rewards including a low introductory rate. If you are a Facebook member, you can earn karma points on Facebook which you can use or give to other members to purchase items through the Chast +1 Store.

Find other types of Chase student cards

Just because you might be a student doesn't mean that you are limited to the credit card that Chase tailors for students. There are several other options for Chase credit cards depending on your needs.

I recommend: Check out options for Chase cards that include gas rewards, airline rewards, hotel rewards and awards for your favorite retail stores.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  If you can't pay off the balance during the introductory rate, choose a Chase student card with the lowest APR that you can find.
• •  Don't be afraid to negotiate terms on Chase credit cards for students. Credit card companies are notoriously competitive and will be willing to work with you, and possibly reduce your interest rate, to keep you as a customer.

When you're starting college and have new expenses, it may be a good idea to use chase bank student credit cards. You can use Chase student cards for supplies, food and emergencies. The best Chase credit card for students is the Chase+1 Student Credit Card, which can earn you points for merchandise and other items. Working with Chase student credit cards can also be a valuable lesson for you in how to properly handle your credit.

Once you apply for and receive your Chase Bank student credit card, you'll want to learn the benefits of using it, including earning and using Karma Points, redeeming your points at the Chase+1 store and sharing points from your Chase+1 Student Credit Card.

1. Find out what Karma Points are, and how to use them from your Chase student card.

2. Find out how to redeem your Chase Bank student credit card points at the Chase+1 store.

3. Find out how you can share points from your Chase Bank credit cards for students.

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Earn and use Karma Points from your Chase student card

The Chase+1 Student Credit Card earns you Karma Points that can be used in a variety of ways. You earn Karma Points every time you use your Chase+1 Student Credit Card to make purchases. You must be registered with Facebook to earn your Karma Points. You'll earn your first 20 points the very first time you use your Chase+1 card. You can also earn Karma Points by passing Credit Essentials Quiz, which is available on the Chase Karma Points web site; paying your bill on time; and paying your bill on time for six months in a row.

I recommend: The Facebook login page allows you to sign up for the Chase+1 application. The Chase+1 Earn Karma Points web site shows you the different ways you can earn Karma Points.

Redeem your Chase Bank student credit card points at the Chase+1 store

Once you have received Karma Points, you'll want to know how and where to spend them. The Chase+1 Store, available on Facebook, offers many different items you can purchase with your Karma Points, including books, CDs, DVDs, computer hardware and software, concert tickets and many other items college students will love. You can visit the Chase+1 store to browse or shop any time you like.

I recommend: The Chase+1 Store shows you all of the available items you can purchase with your Karma Points. The Chase+1 Terms and Conditions page explains more about redeeming your Karma Points.

Share points from your Chase Bank credit cards for students

In addition to using Karma Points to purchase items for yourself, you can share them with a friend or give them to different causes. You use your Facebook account to share your Karma Points with your friends. You'll need to log in to Facebook, register your card, and then you can share your points with your friends. You can also choose to give your Karma Points to the following causes: The ASPCA, The World Wildlife Fund and Teach for America.

I recommend: Visit the Chase+1 Share Karma Points page to sign up with Facebook, and register your Chase+1 Student Credit Card. Visit the Chase+1 Give to Causes page to learn about the three causes you can give your Karma Points to.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  If you don't yet have a Chase student card, you can apply online for chase student credit cards at Chaseplus1.com.

Whether you are back in school or know a student who could use a credit card, it is wise to learn about the Chase student credit cards. The only card currently on the Chase website is the Chase +1 Student MasterCard, but no matter how much you know about credit cards, there may be some unfamiliar terms. Become familiar with the Chase student credit card by learning the key terms first.

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Chase +1

The Chase +1 MasterCard is the only student credit card Chase offers as of 2009. The card emphasizes responsible money management, as cardholders receive rewards for paying their bill on time, as well as financial tips.

I recommend: JPMorgan Chase & Co explains the Chase student credit card.

Karma points

If you are on Facebook, you can join the Chase +1 group and start receiving Karma points. You earn points simply by linking your card to the group, referring a friend to get a card, spending money on your card, taking money management courses and more. You can then spend these points on gifts in the Chase +1 store, or donate money to charity with them.

I recommend: Chaseplus1.com provides everything you need to know about Karma points.

Grace period

This is the period after your bill is due, but before you receive late fees or added interest. The grace period for the Chase +1 MasterCard is 20 days. After that, you may be assessed a late fee of $15.

I recommend: Chase Credit Cards defines a grace period for credit cards.

Annual fee

This is a fee that some credit cards require you to pay once you obtain the card. You will be charged this fee every year. The Chase +1 MasterCard does not have an annual fee.

I recommend: Credit Card Reward Program discusses an annual fee when it comes to credit cards, including Chase cards.

Rewards card

A rewards card is a kind of credit card that offers rewards for spending money using the card. Rewards usually include money off specific products, such as gas, or can mean that you will get a credit to your account.

I recommend: FindLocalBanks.com defines rewards cards and links to a Chase example.

Balance transfer

This occurs when you move the balance of one credit card over to another. You would typically move the debt on one card to another card with a lower interest rate. There is usually a fee and a separate interest rate for balance transfers. The balance transfer fee for the Chase +1 card is 3% of the amount of the balance you're moving. The interest rate thereafter will range around 13% to 18% depending on your credit.

I recommend: Ask Mr Credit Card’s Blog discusses Chase balance transfers.