College Student: Which of these cards is best to get?

i've been researching credit cards all day long. i have no credit; im 18yrs old with only a bank account open. (Washington Mutual)





i want a credit card to build my credit. which card would be the best? ive narrowed it down to these two but am open to see others..





http://citi.bridgetrack.com/usc/06/colle...





the first one^ has flyer miles which appeal to me. 1 Miles for every 2 dollars spent, hey you gotta start somewhere. no annual fee and apr of 18.24 variable. i know thats rather higher than most.





secondly is this one...





http://www.collegeplastic.com/student_cr...





MtvU credit card. provides points to redeem for stuff like gift cards, clothes, music etc. even gives points based on good college GPA. 15.99apr.

College Student: Which of these cards is best to get?
you want the card with the lowest APR and no annual fee. you will always want that, now and in the future. the airline miles are not worth it. no "rewards" program is worth it if you have a higher APR and a annual fee. trust me on this.





but read the fine print on the second card when you hit the apply link


1 Introductory rate of 0.0% for 6 months from date of cardmembership on purchases, cash advances and balance transfers. After the promotional period ends, your standard balance transfer APR will be applied to any unpaid balances. As of December 15, 2006, the standard variable purchase and balance transfer APR is 17.99%. The standard variable cash APR is 23.24%. However, all your APRs may automatically increase up to the 32.24% variable default rate is you default under any Card Agreement that you have with us.





on both of them, if you miss a payment with them, the default rate is about 32% (that's if you miss one payment)





have you tried this website, it has the good deals on student cards, try snap or discover. (don't be worried about the good credit part, they will overlook it if you are a full time student)





http://www.creditcards.com/college-stude...
Reply:There are a lot of websites online if you do a search on "student credit cards" or whatever.





I'd look into whatever card fits your needs. Yes, reward cards are nice BUT will it be worth it in the long run?





I put an example site in my source...





Take care