College student credit cards, unlike traditional cards, are designed for students with little to no credit history. A student card used responsibly can help you build credit and even score some perks.
The typical student card is unsecured, which means the issuer does not require a deposit to open the account. Other features separating student credit cards from traditional cards include:Lower credit limits. Student cards may have lower credit limits than traditional credit cards because students don't have a track record of paying back big balances. You might be able to get a higher credit limit once you make several on-time payments, depending on the card.Limited rewards. Student credit cards may earn cash back in certain spending categories. But traditional cards can offer more generous rewards, such as sign-up bonuses, airline miles and access to airport lounges.Special benefits for students. These could include credits for maintaining good grades or paying bills on time. Some student credit cards may allow you to view your FICO credit score for free.

There’s no one-size-fits-all answer to how many cashback credit cards you should have. It depends entirely on your financial situation and spending habits. If you’re confident you can manage multiple accounts responsibly, having more than one card could help you maximise cashback rewards across different spending categories. However, it’s essential to avoid taking on more cards than you can manage. Missing payments or carrying a balance could lead to interest charges that outweigh any cashback benefits. Always prioritise paying off your balance each month.