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money spent on gas. Particularly right now, when gas prices are high (and expected to go up), every little bit helps. Pay at the pump with this credit card, and then pay off the bill in full at the end of each month. If you're taking a few months off to travel: Credit cards charge foreign transaction fees in other countries, ranging from 1 to 3 percent of your purchase. Sounds like peanuts, but when you're spending a lot, it can add up fast. One of the best cards to take overseas is Capital One Venture Rewards, which charges no foreign transaction fees extremely rare and gives you miles on every purchase that don't expire. Use them to help foot the bill for your next vacation. If you're making the most of evenings not spent in the library: Look for a card that will give you rewards based on how you are spending your evenings. One that Stubbs recommends is the Citi Forward card, which gives you bonus points that you can use at restaurants and movie theaters. You'll also get an interest rate reduction when you pay your bill on time something you should be doing anyway; see my last point, below and extra bonus points for signing up for paperless statements, which in my mind, make your life easier. If you can't qualify for the above: First, make sure you're not applying to the ones that are only for excellent credit that's probably too ambitious at this point. Then, you might want to work with a