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

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

Student credit cards, UK wide, 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 a student credit card

Find a credit card for students that's right for your needs 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.