We’ll compare the best student credit cards so you dont have to. Simply check your eligibility right now to find out which credit cards you can apply for.
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With the help of our approved partners we will search the market to find you the best credit card deals. Our credit card comparison service will save you time and money and ensure you're getting the right type of credit card you need.
If you are looking for a credit card for students, we are pleased to offer a number of options, including 0% introductory offers and cashback too.
With students making purchases every day around campus, on the high street, shopping online or when they go out – using a credit card can help you spread repayment and also get used to managing your finances in the real world.
You can compare student cards using our comparison table provided and simply click on the ‘check my eligibility’ button to get started! You can usually receive an instant decision and if approved, your credit card will be popped in the post and arrive in just a couple of days.
Check Your Eligibility for:
A student credit card acts just like a normal credit card, giving you a monthly credit limit that you can use for free, just so long that you pay it back on time each month.
If you have a credit limit of £500, you can charge this on your card, whether you are at the supermarket or buying things online.
At the end of the month, you can pay this off from your student loan, savings or part-time jobs and then the limit is refreshed again and you have another £500 to spend the following month.
If you go over this credit limit, you will enter your overdraft and you could be charged for every day that you are overdrawn. With some cards offering 0% introductory offers (see 0% credit cards), the average rate charged is around 30% APR, which is higher than the average credit card given that students are likely to have less credit history.
Build up your credit score – You typically start with no credit rating when you turn 18 and you need to get into the habit of using financial products and making payments on time. So using a credit card for students can help you get into the swing and as you build up your score, it will open doors for you in the future, whether it is for personal loans, mortgages and other credit cards.
Essential for everyday shopping – As students, you are constantly making purchases, whether it is your weekly shopping, buying school material, kitting out your room or through socialising – and having a credit card available is very convenient for making everyday purchases. It can also help you spread repayment if you have some larger expenses, especially in the first few months of Uni.
Gain real experience – Using a student credit card is a great way to gain experience before moving onto other credit cards for larger purchases and getting some financial freedom. You have to start somewhere, right?
Get rewards – Some cards include bonuses, such as cashback, loyalty points and cheaper railcards. You can accumulate some nice savings and benefits each time you spend with your card.
No annual fees – There are not typically no annual fees for student credit cards – and some cards charge a few hundred pounds just to open an account and renew each year.
Get protection on purchases – With a credit card, you are protected under Section 75 of the consumer act, so you can be reimbursed for any purchases from £100 to £30,000 if they do not arrive, are misrepresented or the company goes under.
Yes, this is a great advantage of using a credit card for students. With young people starting out with a zero credit rating, you need to get used to making monthly payments on time to build up your score. By doing this successfully, it will help your future eligibility for car finance, personal loans and even renting or buying a property.
Just make sure that you always keep up with repayments and if you fall behind, this could negatively impact your score too. See credit builder credit cards.
Yes, there are student credit cards with 0% with Lending Expert – and this may be an introductory offer for 3 months or longer.
In this case, you can borrow money on your card, completely free of charge, assuming that you just pay it back on time.
Yes, you can find a number of perks when you spend using your card, including cashback, loyalty points, nectar points and even cheaper travel.
Make sure you look at the deal and what offers are available since it might be an introductory offer or you may need to make a minimum spend each month.
Use the free comparison table provided by Lending Expert and compare student credit cards today!
Simply review the terms, interest rates, credit limits and any other benefits and click on ‘check my eligibility’ to begin.
You will need to enter a few details about yourself, income, address and contact details and you can receive a decision immediately. Once approved, you can receive your shiny new card in the post in just a few days!
No, this is not a requirement. You can be eligible for a student credit card even if you are not working and are studying full-time.
As income, you can use your employment (if any) or just being supported by your parents. You do not require a salary or income to be eligible for a student loan.
Yes, this is very common, but you just need to be sure that your student loan is used for essentials such as accommodation and food, meanwhile your credit card might be for more frivolous or daily spending and purchases.
Student credit cards typically offer a credit limit of around £1,200 or £1,500 per month. This may vary depending on your income, age and credit history (if any).
Yes, student cards may come with an overdraft and this may depend on the deal or offer. You should avoid using your overdraft where possible since this will incur fees.
Yes, the interest rates for student credit cards tend to be higher since university students and graduates are less likely to have any credit history or income. Once you build up a credit score, the interest rates are lower.
Yes, very much so, since all cards are administered by major UK banks so it is like using a normal card.
However, being older, with a regular income and able to build up a credit score, you may be eligible for credit cards with much lower rates. You may be able to access 0% interest offers or move the remaining balance over to another credit card with zero interest.
We compare student credit card deals so you dont have to.
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These credit cards are designed to help build your credit rating. We can check if you're eligible for these cards in just a few minutes.
