Stepmoms aren’t all evil. On the contrary, Annie Flannigan of Fairfield, Iowa is here to report, they can be—like, cool.

Rewards credit cards can be a great way to earn a little extra cash or perks like airline tickets, rebates towards the purchase of a new or used car, tickets for MTV events, gift cards and much more.

When comparing student credit cards, ask the following questions.

Credit cards have become a ubiquitous part of student life, and for good reasons. Credit cards are not only convenient, they can be essential for online transactions, for making car or travel reservations, and for many other activities of modern living.