Student Credit Cards

Compare Student Credit Cards

Which student credit card providers do we work with?

We compare dozens of the biggest credit card providers in the country, including:

What Is a Student Credit Card?

If you are looking for a student credit card, Proper Finance can help. They are usually different from normal credit cards, as they tend to have a higher chance of accepting students than other cards, but may offer smaller credit limits and higher interest rates. We can help you find the best rates for credit cards for undergraduates, postgraduates, university students, college students and more.

Who Can Apply for a Student Credit Card? 

Unlike other credit cards on the market, you do not necessarily need to have a regular income or full-time job in order to be approved. Your student loan is usually taken into account when determining your eligibility and how much you can borrow – and any other part-time jobs you may have on top. However, you will usually need to meet the following requirements:

  • You are over 18 years old.
  • You are a UK bank account holder.
  • You are currently studying a course at a UK-based university or college.
  • The course lasts a minimum of two years (for most providers).
  • You are living in the UK.

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What Are the Benefits of Credit Cards for Students?

Having a credit card, it allows you to use your plastic card to pay for things on-the-go around campus or if you are buying books, clothes or food. Importantly, it can give you some financial independence and real-life experience in terms of how you can organize your finances and get used to making payments on time. This will, in fact, help build up your credit rating and improve your chances of being accepted for future cards and loans in the future, with better rates and credit limits.

How Much Does a Student Credit Card Cost? 

Student credit cards are a little more expensive given that young people have no credit score or limited credit history and income. The average APR is around 29%, so a little more than the average good credit card at around 18%, however introductory offers are usually available at 0% provided that you pay within the allocated timeframe.

Your credit limit is usually less than an employed person in their 20s. Student cards often carry lower credit limits and are calculated according to your student loan and any other part-time work or income that you have.

Why Apply for a Student Credit Card With Proper Finance?

Approachable

We aim to be as approachable as possible for our customers, and will always do our very best to assist you with any and all queries you may have concerning any part of our application process and more.

Fast decisions

Our online application only takes minutes to complete, with decisions being made very quickly after this. A member of staff will contact you to help you proceed with the final steps.

Reputable and trustworthy

Each and every one of the providers we work with are fully checked to ensure their reputability, their trustworthiness, and furthermore their competency in helping to provide you with the financial services you require.

Free online application

The Proper Finance comparison site is free to use and there are no upfront fees for filling in our online application.

Will I pay interest on my student credit card?

This will depend on whether you are able to pay off the balance in full each month. You will not incur interest if you pay on time and in full.

What happens if I am unable to keep up with repayments?

Could incur additional charges (such as fees for late payments or going over your credit limit). This will damage your credit record.

Can I withdraw money on a student credit card?

Yes, it is possible to do so, but many providers will charge you a fee for doing so.

Will my credit record matter?

Yes, even if these cards are aimed at students, credit card providers will still look at your credit file to determine eligibility, credit limit and the APR. If it is your first credit card, you will likely have no credit rating but if you have borrowed before and gone into arrears, this could affect your eligibility.

What will my credit limit be on my card?

This will be set by the lender and will be based on your individual circumstances. Typically, credit limits are lower on student credit cards than other kinds available.

How do I choose the right student credit card?

You need to consider what you would want the credit card for. For example, if it is to be primarily used to borrow cash, look for a card that has the lowest APR or 0% period available on it. If you are not using it for this reason, look for a card with a higher credit limit or better features.

Can I carry out a balance transfer on a student credit card?

Yes it is possible, and these are known as 0% balance transfer cards. However, many student credit cards do not offer this option to customers.

Will I receive protection on my purchase made on a student credit card?

Yes, all providers give customers protection on their own schemes.