College offers students new opportunities every day. New friendships are forged, careers are chosen and independence blossoms. This is the perfect time to begin building your credit and learn money management skills that will serve you for life, too. Every purchase from books to pizza can help establish the type of credit score needed to purchase your future car or home.

Creating great credit is easy with these Visa cards designed just for students:

CitiBank’s mtvU Card has students firmly in mind with their rewards system. Twice a year Citi will award up to 2,000 reward points based on your good grade point average (GPA). Every month you are rewarded 25 points each month if your outstanding bill is paid on time. On top of all of those points, Citi awards you five reward points for every dollar spent on things college students enjoy most: books, movies, and even fast food!

Reward points accumulate quickly and can be spent on electronics, dining out, music, movies, games, gift cards, and mtvU Exclusives. These exclusives from mtv include the mtvU Woodie Awards and VIP Spring Break Passes.

No cosigner is required for students applying for the mtvU Visa. Introductory APR is 0% for the first seven months and rises to 12.99% – 21.99% based on your credit. mtvU’s APR will fluctuate with the Prime Rate. There is no annual fee for this card.

Apply for Citi® mtvU(TM) Platinum Select® Visa® Card

This credit card from Capital One offers you a chance to earn cash back on all purchases. Textbooks, dining out, clothing, or whatever you need to buy – this card will reward you. The percentage of cash back depends on the type of purchase. Dining out, text books, and paying your cell phone bill nets 2% cash back. All other purchases gain 1% cash back.

Like the mtvU Visa card, the Capital One Student Rewards Visa requires no cosigner. The APR for this card is 24.9% variable and there are no annual fees. Capital One offers a variety of rewards perfect for students such as: $0 Fraud Liability, 24 hour travel/emergency/roadside assistance, travel accident insurance and more.

Capital One offers a special learning course for cardholders: MoneyWise. The site includes tools to help college students make good choices to increase their credit.

State Farm isn’t just insurance! In fact, one of the most attractive APR rates for student visa cards comes from State Farm Bank. There are no rewards points for purchases with this credit card, but there are other benefits that are becoming standard with most student visa cards. No annual fee, online access to your account, zero fraud liability, and lost or stolen card protection.

The State Farm Student Visa’s APR is 10.24% to 18.24% based on your creditworthiness. As with most APRs today, the rate will vary according to the Prime Rate. There are other applicable APRs with this card. Cash advances carry a 20.24% APR and if you have a late payment, a 24.24% APR will be applied to your account.

Bank of America offers student banking packages and one of the benefits to Bank of America student customers is the Student Platinum Plus Visa. The card does not offer a rewards system for purchases or on time payments. The card also does not offer a 0% introductory APR. Your standard APR from activation of the account is 14.24%, variable. Other APRs may apply to activities other than purchases and balance transfers.

This card does offer you the ability to build your credit for the future, and was listed as one of the great credit cards for teenagers by CreditShout. The APR is very competitive and attractive. There are no annual fees for this card, either.

Like all of Bank of America’s Platinum cards, this card protects your from fraudulent activity, lost or stolen cards, online access, and even overdraft protect on your Bank of America checking account. You also are offered the Bank of America Student Identity Theft Protection Program free for the duration of your college term (4 years).

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