While I definitely understand the benefits of getting your credit started early, I would caution the notion that all students should be getting credit cards. Although student cards generally have lower limits, being a student without a full time job/having an income to pay monthly bills poses a risky situation. Yes students have to learn to become adults, but it is so easy to overspend and set yourself years behind in your credit because of a late payment or collection. As a student you are likely already taking on debt to fund yourself and piling on credit card debt just makes matters worse. I feel like it might be better to wait until after university when a person has a full time job to get a credit card without a cosigner. YMMV of course