1. USAA College Start VISA or MasterCard - 11.90% (P + 3.9%) No Annual Fee 800-945-3608 Offers credit limits ranging from $500 to $1,500; no co-signer required.

2. College Parents of America MasterCard - 15.30% (P + 7.8%) 877-816-4221 Parents must be a member of College Parents of America; No annual fee if card is used six times per year; co-signer required; offers parental controls.

3. Elan Financial Young Adult VISA or MasterCard - 15.40% (P + 7.9%) $20 Annual Fee 800-320-2282 Annual fee waived first year and each year thereafter, if one purchase per year is made with card; Must be 16 to apply with co-signer. No co-signer required if applicant is over 18 and earns $12,000 per year.

4. Elan Financial College VISA or MasterCard - 15.40% (P+7.9%) $20 Annual Fee 800-320-2282 Annual fee waived first year and each year thereafter if cardholder makes one purchase per year; Must be 18 and enrolled in 2 or 4 year accredited college or university. No co-signer required.

5. MBNA College VISAs or MasterCards - 15.99% No Annual Fees 800-WEB-APPLY Must be 18 and a student at selected college. No co-signer required.

6. American Express Blue for Students Card 16.49% (P + 7.99%) No Annual Fee 800-582-5823 Program offers travel certificates on Continental Airlines for travel in U.S., Latin America, Europe and Japan. A friend traveling on the same itinerary can take advantage of savings also. Offers an American Express Connections calling card, featuring 10 free minutes monthly for a year, 18 cents a minutes calling within the U.S., voice mailbox, four-party conference calling and more. Offers a built-in Smart Chip for Internet Security. No co-signer required.

7. Citibank MasterCards 17.49% (P + 9.99%) No Annual Fee 800-950-5114 Offers three student programs: Platinum Select, Driver's Edge, and Sony Card; Drivers Edge and Sony programs offer ability to accumulate points towards a car purchase or electronic gadgets. No co-signer required. Must provide proof of student status.

8. First USA/United College Plus VISA 17.90% (P + 9.9%) No Annual Fee www.collegeplus.com Offers one United Airlines air mile for every two dollars charged in purchases; earn up to 10,000 air miles per year; receive initial 2,500 bonus miles; miles don't expire. No co-signer needed.

9. First Union Collegiate VISA - 18.00% (Fixed) $20 Annual Fee 800-359-3862 Annual fee is waived for first year. Credit lines up to $800; No co-signer required if over 18.

10. Capital One College Student VISA 19.80% (Fixed) No Annual Fee 800-245-7786 Offers $200 minimum credit line; choice of seven card designs ranging from Leopard Skin to Tie Dyed. No co-signer required however phone number of college or university must be provided to verify status.

Source: CardWeb.com, Frederick, Maryland