Student credit cards

Get financial freedom with a student credit card. Designed for those at university, our best credit cards for students are more likely to accept you, even if you’re in full-time education.

  • Use our free card finder tool
  • Find a card to cover unexpected expenses and build a good credit history
  • Apply in minutes

Find and compare the cards available to you,

without affecting your credit score

How to compare student credit cards

1

Compare credit cards

Use our table of offers to find a credit card that offers all the features you need with the lowest fees and interest rates.

2

Check your eligibility

Carefully review your chosen card's terms to make sure you fit its eligibility criteria, then get your proof of ID ready.

3

Apply for the card you want

Click "view deals" and fill out the application form on the provider's website. Then sit back and wait for a reply.

Student credit card deals

5 results found, sorted by lowest representative apr. How we order our comparisons.
Sort
Barclaycard Forward Credit Card
Purchases
0% for 3 months
Maximum credit limit
£1,200
Representative APR (variable)
33.9% APR
Barclaycard Forward Credit Card
Sign up for a Barclaycard and get up to five months free of Apple Music, Apple TV+, Apple News+ and Apple Arcade. Continues as paid subscription after trial ends. UK only, T&Cs apply.
The rate shown here is the rate you will receive if accepted for the card. Not available to applicants who already have a Barclaycard credit card.
Representative Example: The standard interest rate on purchases is 33.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 33.9% (variable).
Eligibility
CCJs Allowedonly one allowed
Credit Ratingpoor
History of Bankruptcyfalse
Minimum Age18 years
Minimum Income£3,000
UK Resident

Can I get a credit card as a student?

Yes, student credit cards are designed for those enrolled in school or university and are more likely to accept individuals who generally don't have a full time job or regular income.

A student credit card is a great way for first time borrowers to start building their credit history. This will be useful when they look to borrow large sums later in life, for things such as for a car or a home as they'll have established a history of good debt management.

Student credit cards 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 is a student credit card different from a normal credit card?

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

How do I choose the best student credit card?

Finding the right student credit card for you will depend on how much you need to borrow and how you plan to use your credit card. Some of our credit cards for students offer 0% interest on purchases, while others offer a higher credit limit or a lower APR. You’ll need to think about what is right for your circumstances before you begin any application.

What is the APR on a student credit card?

The APR on a student credit card is the interest rate you’ll pay on what you borrow. A high APR isn’t something to worry about if you can repay the full balance every month because you will not pay any interest. 

Top tips for students considering a credit card

For many students enjoying independence for the first time, the ease of spending on a credit card and paying off just the minimum balance, can lead them to accumulate a large amount of debt even before they even begin their careers.

Credit cards for students aren't shortcuts to spending more than you have. It's really meant to give students access to funds in an emergency, or to use it for everyday expenses and start building a credit history.

If you're using a student credit card for the first time, remember to:

  • Only use it for necessary purchases, or expenses

  • Pay off the balance in full every month

  • Avoid maxing out the credit card

  • Make sure to always pay at least the minimum payment every month.

Establishing a record of using a credit card responsibly, will help you get access to better deals in the future, whether it's a rewards credit card, or even loans and mortgages.

Student credit card FAQs

About our credit cards comparison

Find the cards most likely to say yes

See which cards you are most likely to be accepted for without affecting your credit score

Explore credit cards guides

See more guides

Which Credit Card Is Best For Me? - Choose a card

Choosing the right type of credit card could save you money in interest, earn you rewards or help you get accepted. Here is how to pick the right one and where to find it.

Read More

Should you get a student credit card?

A student credit card could be useful in emergencies and help you build your credit record, but they can be expensive. Here's how to find the right student credit card and use it wisely.

Read More
a cluster of credit cards

How to get your first credit card

Here is how to prepare yourself for your first credit card application.

Read More

Why compare credit cards with money.co.uk?

Comparing credit cards could help you save money or get more rewards from your spending. Our award-winning credit card comparison service makes sure you get our best deals for 0% periods and more. Our aim is to provide you with the most up-to-date information, as well as useful tools and calculators so to help you make life's most important decisions and take control of your money.

Proud to be award winning

We have always aimed to provide the best possible services to bridge the gap between our users and our clients. Over the years, we have been thrilled to be recognised by various prestigious bodies and organisations for those efforts.

stevie award
WMA 2021 Logo-768x632
nba logo
logo dma
ecommerce awards

Last updated: 1 April, 2022