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.

Find the cards most likely to say yes

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

9 results found, sorted by lowest representative apr. How we order our comparisons.
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Digital Credit Card
Bip Credit
Purchases
29.95% p.a. variable
Maximum credit limit
Subject to status
Representative APR (variable)
29.9% APR
Digital credit card with instant balance updates, no hidden fees and spend caps set by you.
Representative Example: The standard interest rate on purchases is 29.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 29.9% (variable).
Eligibility
CCJs Allowednot in last 12 months
Credit Ratingpoor
History of Bankruptcynot in last 18 months
Minimum Age18 years
UK Resident
Barclaycard Forward Credit Card
Purchases
0% for 3 months
Maximum credit limit
£1,200
Representative APR (variable)
33.9% APR
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

We are classed as a credit broker for consumer credit, not a lender.

Our services are provided at no cost to you. We may receive a commission from the companies we refer you to, but this does not affect what you will pay for the product you choose.

Last updated: 11 January, 2022

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.

When would I need a 0% student credit card?

If you plan to spend on your card and pay it back a little at a time, it might be worth considering 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.

Find out more on how to use 0% interest cards here.

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

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