Student credit cards: the big decision

So it's important to be realistic about how good a money manager you are. Do you take pride in your savings account balance? Are you someone your friends and siblings turn to for a loan when they're short of cash? Do you always have something put away for a rainy day?

If so, you're likely to turn out to be a responsible credit card user. Congratulations! There's a good chance that you can earn valuable rewards and build a healthy credit score on the back of your plastic while you're at college.

The best student credit cards?

The student credit card you choose is likely to depend on your individual needs and lifestyle, but here are three (none of which have annual fees) that you should include on your short list:

1. Citi Forward® Card for Students

• At the time of writing, there's a sign-up bonus of 9,000 ThankYou rewards points (Citi's proprietary "currency"