Nov 22, 2016 10:54 AM EST By Chris Brandt, UniversityHerald Reporter

One of the biggest mistakes college students make has something to do with money, especially with credit cards. However, you can make credit card work for you more than just a tool for online shopping. You can use it to build your credit, especially when buying an apartment or applying for a mortgage in the future.

If you don't have any student loans and you're 21, you can start looking into different credit cards to build your credit score. Here are 5 best starter credit cards for students which have the lowest interest rate or annual percentage rate.

Capital One Secured MasterCard

This is for the total beginner because it allows you to build a credit without getting into debt. The secured card lets you deposit $49 - $200 as a collateral and gives you a $200 credit line. This might not sound much but after using it and paying on time for five consecutive times, you can apply for a higher credit line which can be up to $3,000.

Discover

This starter credit card is for those who want to earn more through their grades. Discover gives 5 percent cash back on purchases. It also awards students $20 for every school year their GPA is above 3.0. Furthermore, it doubles your cash back for the first year of your use. So if your cash back is $50, Discover will give you $50 for that.

Chase Freedom Card

This is the card for those who are looking for a lot of rewards. First of all, you get 5 percent cash back on your purchases. You also get a $150 sign-up bonus if you spend $500 in your first three months. Aside form that, it has no annual fee; however, you need a bit of credit history upon application for this card.

Citi ThankYou Card

This starter credit card is especially designed for students. First , it has no annual fee and a low annual percentage rate. That means, you won't be buried in debt in case you miss out on payments. What more, it gives you points for almost all purchases you make.

Wells Fargo CashBack

Just like all the other cards, Wells Fargo's starter credit card has a cash back on almost anything. It has a low APR and no annual fee. What makes it different is that your cash back points straight into your bank account or as travel or gift cards.

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