I am looking to pick up a new credit card for upcoming purchases at IKEA (God save the poor students), but I know nearly NOTHING about credit cards - I was wondering if I could get some help on the situation. The two cards that I was considering are: Citibank Platinum Select Visa for students ( Benefits | Terms ) American Express Blue for students. ( Benefits | Terms ) Things I noticed: The AmEx card has a lower APR (by 3%), and a longer grace period, but it is it accepted enough to justify it? Visa is accepted everywhere... I would like to hear some input from AmEx holders to see where the stance on this is. Also, the Citi card has 0% APR for 6 months, which may provide a nice help.