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.
without affecting your credit score
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.
| CCJs Allowed | |
| Credit Rating | poor |
| History of Bankruptcy | not in last 12 months |
| Minimum Age | 18 years |
| UK Resident |
| CCJs Allowed | only one allowed |
| Credit Rating | poor |
| History of Bankruptcy | false |
| Minimum Age | 18 years |
| Minimum Income | £3,000 |
| UK Resident |
| CCJs Allowed | |
| Credit Rating | poor |
| History of Bankruptcy | not in last 12 months |
| Minimum Age | 18 years |
| UK Resident |
| CCJs Allowed | |
| Credit Rating | poor |
| History of Bankruptcy | not in last 12 months |
| Minimum Age | 18 years |
| UK Resident |
| CCJs Allowed | |
| Credit Rating | poor |
| History of Bankruptcy | not in last 12 months |
| Minimum Age | 18 years |
| UK Resident |
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.
In most ways they are the same as other credit cards, but they also:
Are more likely to accept students
Usually offer smaller credit limits
Usually charge higher interest rates, although they come with the same types of charges as other credit cards
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.
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.
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.
See which cards you are most likely to be accepted for without affecting your credit score
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 MoreA 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 MoreHere is how to prepare yourself for your first credit card application.
Read MoreBelow you can find a list of our most popular credit cards:
Business credit cards
Credit cards for bad credit
Best credit card to build credit
Balance transfer credit cards
0% interest credit cards
Student credit cards
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.
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.
Last updated: 1 April, 2022
