Yes, but credit cards that are designed for students are much more likely to accept you than other credit cards, even if you do not have a full time job or regular income.

They usually require you to be:

  • 18 years old or older

  • Living in the UK

  • A UK bank account holder

  • Studying a course* at a UK university or college

*Usually one that lasts two years or more.

Here is how to improve your chances of getting accepted for a credit card.

How are they different to normal credit cards?

In most ways they are the same as other credit cards, but they also:

How to choose

Choose the best card for you by using our comparison, which includes every student credit card and shows the APR, any 0% purchases deals and the maximum credit limit each card can offer.

Want to borrow money?

If you plan to spend on your card and pay it back a little at a time, apply for a card that will keep down the interest you have to pay.

You can choose either the lowest APR or 0% period on purchases, which lets you spread your repayments over several months without charging interest.

Able to repay in full each month?

The APR is less important if you can repay the full balance every month because you will not pay any interest. Instead you could look for a high enough credit limit or features like cashback or rewards.

Student credit card FAQs


Does my student loan count as income?


Yes, student credit card providers will usually count your student loan as well as your salary from your job if you have one.


What is a credit limit?


The maximum you can owe on your card at any point, set by your provider after you apply. Here is how they work and how much it costs if you exceed it.


Does my credit record matter?


Yes, looking at it helps lenders decide whether to accept you as well as what APR and credit limit they offer you.


How should I repay my credit card?


Paying the full amount by direct debit means you never miss a payment or pay interest. Here are all the ways to repay.


Are my purchases protected?


Yes, credit card providers each offer their own protection services as well as Section 75 and the Chargeback scheme.


Can I use a balance transfer?


Yes, although many student credit cards will not offer them, these cards offer 0% balance transfers.