Compare Our Top-Rated Student Credit Cards

Updated: 29th July 2021

Securing a credit card as a student can often be difficult, because students typically have little or no credit history and income. Obtaining and using a student credit card responsibly, however, can not only help build credit, but help build good credit habits.

On this page, you’ll find our list of the top student credit cards currently available. Be wary though: racking up debt on a credit card can put you in a financial hole very quickly. So be sure you understand good credit habits before swiping your card.

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Here are MyWalletHero's top-rated picks for student credit cards

Credit card offers from our affiliate partners appear first and are ordered from highest rating to lowest, followed by other top-rated offers. You can read more about our ratings and page sort here. Offers from affiliate partners are marked with a *.

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Great for: Lowering your APR while building credit
4.5 stars question mark

The Aqua Advance Credit Card includes many of the features that make other Aqua cards great for those looking to build or rebuild credit. As an added bonus though, users of the Advance Card that stay on time with their payments will see their APR go down by 5% per year. Over time, this could bring the APR down to 19.9%.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • Stay on time with payments and APR reduces 5% per year
  • Keeping on time with payments could reduce APR to 19.9%
  • Free Aqua Credit Checker
  • No annual fee

REPRESENTATIVE EXAMPLE

Interest rate for purchases 34.95% p.a. variable
Representative rate 34.9% APR variable
Based on borrowing £1,200 over 12 months

what we like

  • Stay on time with payments and APR reduces 5% per year
  • Keeping on time with payments could reduce APR to 19.9%
  • Free Aqua Credit Checker
  • No annual fee
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    34.9%
  • INTRO OFFER:

    N/A

KEY SCORES:

  • 4/5 Perks
  • 5/5Fees
  • 4/5APR

HIGHLIGHTS

  • Stay on time with payments and APR reduces 5% per year
  • Keeping on time with payments could reduce APR to 19.9%
  • Free Aqua Credit Checker
  • No annual fee

REPRESENTATIVE EXAMPLE

Interest rate for purchases 34.95% p.a. variable
Representative rate 34.9% APR variable
Based on borrowing £1,200 over 12 months
Great for: Building credit
3.5 stars question mark

The HSBC Student Card offers students and apprentices a no-frills credit card that could help get them started on building their credit rating. With a very competitive APR and manageable credit limit, the card also offers cashback with selected Visa partners. To be eligible, you must have an HSBC student bank account and be enrolled in a qualifying course, or have proof of a confirmed apprenticeship.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • No annual fee
  • Manageable credit limit
  • Earn cashback with Visa offers

REPRESENTATIVE EXAMPLE

Representative rate 18.9% APR (variable)
Purchase rate 18.9% p.a. (variable)
Based on an assumed credit limit of £500

what we like

  • No annual fee
  • Manageable credit limit
  • Earn cashback with Visa offers
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    18.9%
  • INTRO OFFER:

    Earn cashback from your favourite shopping brands with Visa offers

KEY SCORES:

  • 1/5 Perks
  • 5/5Fees
  • 4.5/5APR

HIGHLIGHTS

  • No annual fee
  • Manageable credit limit
  • Earn cashback with Visa offers

REPRESENTATIVE EXAMPLE

Representative rate 18.9% APR (variable)
Purchase rate 18.9% p.a. (variable)
Based on an assumed credit limit of £500
Great for: Building credit
3.5 stars question mark

The NatWest Student Credit Card offers students a chance to start building their credit rating. With a very competitive APR and manageable credit limit, the Mastercard credit card also has no annual fee. To be eligible, you must have a NatWest student current account, be 18+, a UK resident and be enrolled in a university or college course.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • No annual fee
  • Manageable credit limit
  • Chance to establish good credit practices

REPRESENTATIVE EXAMPLE

Representative rate 18.9% APR (variable)
Purchase rate 18.9% p.a. (variable)
Assumed credit limit £500

what we like

  • No annual fee
  • Manageable credit limit
  • Chance to establish good credit practices
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    18.9%
  • INTRO OFFER:

KEY SCORES:

  • 2/5 Perks
  • 4.5/5Fees
  • 4.5/5APR

HIGHLIGHTS

  • No annual fee
  • Manageable credit limit
  • Chance to establish good credit practices

REPRESENTATIVE EXAMPLE

Representative rate 18.9% APR (variable)
Purchase rate 18.9% p.a. (variable)
Assumed credit limit £500
Great for: Building credit
3.5 stars question mark

The Royal Bank of Scotland (RBS) offers eligible students a way to start and build a credit profile for future borrowing needs. This could be beneficial when you finish your studies and head into working life. With a competitive APR and manageable credit limit, the card also has no annual fee. To be eligible, you must have an RBS student current account, be 18+, a UK resident, and be enrolled in a university or college course.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • No annual fee
  • Manageable credit limit
  • Chance to establish good credit practices

REPRESENTATIVE EXAMPLE

Representative rate 18.9% APR (variable)
Purchase rate 18.9% p.a. (variable)
Assumed credit limit £500

what we like

  • No annual fee
  • Manageable credit limit
  • Chance to establish good credit practices
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    18.9%
  • INTRO OFFER:

KEY SCORES:

  • 2/5 Perks
  • 4.5/5Fees
  • 4.5/5APR

HIGHLIGHTS

  • No annual fee
  • Manageable credit limit
  • Chance to establish good credit practices

REPRESENTATIVE EXAMPLE

Representative rate 18.9% APR (variable)
Purchase rate 18.9% p.a. (variable)
Assumed credit limit £500
Great for: Building credit
3.5 stars question mark

TSB offers a student Mastercard to eligible candidates to help them deal with unexpected expenses and start on building their credit rating. With a competitive APR and slightly higher credit limit than its competitors, the card periodically offers cashback deals as an incentive. To be eligible for the card, you must have had a TSB student current account for at least three months and be enrolled in a college or university course.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • No annual fee
  • Potential for a higher credit limit
  • Chance to establish good credit practices

REPRESENTATIVE EXAMPLE

Representative rate 19.9% APR (variable)
Purchase rate 19.95% p.a. (variable)
Based on borrowing £1,000

what we like

  • No annual fee
  • Potential for a higher credit limit
  • Chance to establish good credit practices
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    19.9%
  • INTRO OFFER:

    N/A

KEY SCORES:

  • 2/5 Perks
  • 5/5Fees
  • 4/5APR

HIGHLIGHTS

  • No annual fee
  • Potential for a higher credit limit
  • Chance to establish good credit practices

REPRESENTATIVE EXAMPLE

Representative rate 19.9% APR (variable)
Purchase rate 19.95% p.a. (variable)
Based on borrowing £1,000
Great for: Just starting to build or re-build credit
3 stars question mark

Let’s face it: when you’re just starting to build or rebuild credit, getting approved for a credit card can be tough. The marbles Credit Card doesn’t come with a lot of bells and whistles. And the APRs start high and can be even higher for some applicants. But, it offers an opportunity to show good credit behaviour and could be a stepping stone to other cards.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • No annual fee
  • Online eligibility checker
  • Spending alerts to help avoid missteps

REPRESENTATIVE EXAMPLE

Representative rate 34.9% APR (variable)

The APR applicable to your account will depend on assessment of your application.

what we like

  • No annual fee
  • Online eligibility checker
  • Spending alerts to help avoid missteps
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    34.9%
  • INTRO OFFER:

    N/A

KEY SCORES:

  • 1/5 Perks
  • 5/5Fees
  • 3/5APR

HIGHLIGHTS

  • No annual fee
  • Online eligibility checker
  • Spending alerts to help avoid missteps

REPRESENTATIVE EXAMPLE

Representative rate 34.9% APR (variable)

The APR applicable to your account will depend on assessment of your application.

Great for: Building and rebuilding credit
3 stars question mark

If you are looking for a credit rebuilder card that offers you more than just access to credit, the Tesco Bank Foundation Card does just that. It offers free access to Noddle Premium services and Tesco Clubcard benefits, as well as a comparatively low APR and manageable credit limits.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • No annual fee
  • Free service to help manage credit rating
  • Collect Tesco Clubcard points

REPRESENTATIVE EXAMPLE

Representative rate 27.5% APR (variable)
Interest rate on purchases 27.5% p.a. (variable)
Assumed credit limit £1,200

what we like

  • No annual fee
  • Free service to help manage credit rating
  • Collect Tesco Clubcard points
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    27.5%
  • INTRO OFFER:

    N/A

KEY SCORES:

  • 2/5 Perks
  • 2.5/5Fees
  • 4/5APR

HIGHLIGHTS

  • No annual fee
  • Free service to help manage credit rating
  • Collect Tesco Clubcard points

REPRESENTATIVE EXAMPLE

Representative rate 27.5% APR (variable)
Interest rate on purchases 27.5% p.a. (variable)
Assumed credit limit £1,200
Great for: Building credit
2.5 stars question mark

The Aqua Classic credit card is one of the more straightforward credit cards for bad credit, open to those with a bad credit history, money problems in the past or on low incomes, as well as the self-employed. The maximum initial credit limit is £1,200, although if you handle your card sensibly Aqua may increase this pretty quickly. Extra features can also help you understand your credit score, and make every monthly payment.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • No annual fee
  • Text reminders for payments

REPRESENTATIVE EXAMPLE

Your interest rate for purchases is 37.95% p.a. variable
With a representative 37.9% APR variable
If you borrowed (over 12 months) £1,200

what we like

  • No annual fee
  • Text reminders for payments
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    37.9%
  • INTRO OFFER:

    N/A

KEY SCORES:

  • 1/5 Perks
  • 5/5Fees
  • 2/5APR

HIGHLIGHTS

  • No annual fee
  • Text reminders for payments

REPRESENTATIVE EXAMPLE

Your interest rate for purchases is 37.95% p.a. variable
With a representative 37.9% APR variable
If you borrowed (over 12 months) £1,200
Great for: Low standard APR
2 stars question mark

The Bank of Scotland Low Rate Credit Card offers a competitive interest rate on purchases and balance transfers over the long run. It is possible to obtain credit cards with 0% interest rates for an introductory period, but following this, their interest rates can often be relatively uncompetitive. Therefore, for consumers who do not intend to repay their balance over the next couple of years, the Bank of Scotland Low Rate card could be appealing.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • Low standard APR
  • No annual fee
  • 0% balance transfer fee for the first 90 days

REPRESENTATIVE EXAMPLE

Representative rate 9.9% APR (variable)
Purchase rate 9.95% p.a. (variable)
Based on borrowing £1,200

what we like

  • Low standard APR
  • No annual fee
  • 0% balance transfer fee for the first 90 days
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    9.9%
  • INTRO OFFER:

    N/A

KEY SCORES:

  • 1/5 Perks
  • 3/5Fees
  • 5/5APR

HIGHLIGHTS

  • Low standard APR
  • No annual fee
  • 0% balance transfer fee for the first 90 days

REPRESENTATIVE EXAMPLE

Representative rate 9.9% APR (variable)
Purchase rate 9.95% p.a. (variable)
Based on borrowing £1,200

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