Compare Student Credit Cards

We help you compare the best student credit cards available in the UK so you get your pick of the best student credit card deals on interest rates, introductory offers and special student rewards and benefits. Choose the best credit card for students then apply online today.
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Student CardMinimum RepaymentMinimumRepresentative APR  
%£AgeIncome(Variable) 
Capital One
Classic Visa Card
1%£5
18
years
£034.9%
Representative Example: 34.9% APR representative variable. Based on £1,200 credit limit & annual purchase rate 34.94% p.a. variable.
Capital One, Trent House, Station Street, Nottingham, NG2 3HX
Vanquis
The Visa Card
4.5%£5
18
years
£4,00039.9%
Representative Example: Representative 39.9% APR variable. Based on £1,000 credit limit & annual purchase rate 39.94% p.a. variable.
Suitable if you are new to credit, have had CCJs or have bad credit history. Can apply for up to £2,000 credit.
Aquis
Visa Card
3.5%£5
18
years
£029.8%
Representative Example: The annual purchase rate is 29.8% p.a.(variable) so if you spend £1,000 your representative APR will be 29.8% (variable).
SAV Credit Ltd
aqua card
1%£5
18
years
£035.9%
Representative Example: The annual purchase rate is 35.9% p.a.(variable) so if you spend £1,200 your representative APR will be 35.9% (variable).
Self-employed, have a new address, low or irregular income, CCJs (over 12 months old).
Granite
Credit Card
3.5%£10
18
years
£4,00034.9%
Representative Example: The annual purchase rate is 35% p.a.(variable) so if you spend £500 your representative APR will be 34.9% (variable).
Lloyds TSB
Student Credit Card
1%£5
18
years
£019.9%
Representative Example: The annual purchase rate is 19.9% p.a.(variable) so if you spend £1,200 your representative APR will be 19.9% (variable).
NatWest
Student MasterCard Ex/C
1%£5
18
years
£018.9%
Representative Example: The annual purchase rate is 18.9% p.a.(variable) so if you spend £500 your representative APR will be 18.9% (variable).
Halifax
Student MasterCard
1%£5
18
years
£017.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
RBS
Student MasterCard Ex/C
1%£5
18
years
£018.9%
Representative Example: The annual purchase rate is 18.9% p.a.(variable) so if you spend £500 your representative APR will be 18.9% (variable).
HSBC
Student Credit Card
2.5%£5
18
years
£018.9%
Representative Example: The annual purchase rate is 18.9% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
First Trust
Student MasterCard
3%£5
18
years
£012.9%
Representative Example: The annual purchase rate is 12.9% p.a.(variable) so if you spend £1,200 your representative APR will be 12.9% (variable).
Bank of Scotland
 
Student MasterCard
1%£5
18
years
£017.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
Capital One
Progress MasterCard
1%£5
18
years
£029.9%
Representative Example: 29.9% APR representative variable. Based on £1,200 credit limit & annual purchase rate 29.94% p.a. variable.
Ulster Bank
Student MasterCard
1%£5
18
years
£018.9%
Representative Example: The annual purchase rate is 18.9% p.a.(variable) so if you spend £350 your representative APR will be 18.9% (variable).
Bank of Ireland
Student Visa Credit Card
2.5%£5
18
years
£017.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £250 your representative APR will be 17.9% (variable).
Bank of Scotland
 
Student MasterCard (Branch & Telephone)
1%£5
18
years
£019.9%
Representative Example: The annual purchase rate is 19.9% p.a.(variable) so if you spend £1,200 your representative APR will be 19.9% (variable).
Halifax
Student MasterCard (Branch & Telephone)
1%£5
18
years
£019.9%
Representative Example: The annual purchase rate is 19.9% p.a.(variable) so if you spend £1,200 your representative APR will be 19.9% (variable).
money.co.uk, Dot Zinc Limited, Fleet House, 8-12 New Bridge Street, London. EC4V 6AL. We are a Credit Intermediary for all consumer credit products listed on money.co.uk, with the exception of products from the following providers: Tesco Bank, Royal Bank of Scotland Group and Nationwide Building Society.
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How to Get the Best Student Credit Cards

As a student managing your finances can be tricky, especially when you have little money coming in & lots going out. A credit card for students could provide a safety net if you're faced with an unexpected bill while you study but you need to be careful.

Student credit card deals are specifically designed for those in full time study who may not be earning anything in the way of an income.

As a result they tend to be more flexible than other credit cards when it comes to accepting applications from people with little or no credit history.

However, although student cards tend to be more lenient with their application criteria, they do tend to offer more modest credit limits.

Many credit cards for students will also apply a higher interest rate than would be available with other credit cards - which means they can be an expensive way to borrow.

In most cases even the best student credit card should be reserved for emergencies and then paid off as soon as the statement arrives to avoid hefty interest charges.

When looking for a credit card for students it also makes sense to hunt around for the lowest interest rate available, so that if you are unable to repay in full one month the amount you’re charged in interest is kept as low as possible.

Many banks also offer other rewards or freebies to those applying for their student credit cards.

While these can come in useful, you need to see these as a perk and instead focus on finding the best student credit overall rather than the card with the best freebies.

If you think you're likely to need to borrow over several months then student credit cards are likely to be an expensive choice, especially with many banks offering students interest free overdraft facilities while they study.

If you are unable to repay the balance on your student credit card in full at the end of each month then it is essential to at least make the minimum payment. Fail to do so and you will damage your credit rating and could find it difficult to get the financial products you need, including a mortgage after you graduate.

To compare credit cards for student use at a glance, use our student credit card comparison table.

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