Student Credit Cards

Student credit cards typically offer a lower credit limit than other more generic cards, as the cardholder often has no or limited income, but these cards can be useful for building your credit rating, whilst benefiting from the consumer protection they offer. Choose yours from the list below.

 APPLY ONLINE

Credit Needed
Bad
  • Free Aqua credit checker - £250 - £1,200 Credit limit
  • Aqua accept people who have had CCJs or are on a low income
  • Aqua has said YES to over 750,000 customers in the UK
  • Text reminders, so you need never miss a payment
  • You must be a UK resident, without CCJs in the past 12 months
  • Must not have taken out a Marbles card in the past 12 months
  • Purchases
    Intro
    n/a
    Minimum
    Credit Limit
    £250
    Maximum
    Credit Limit
    £1,200
    Cash Advance
    Rate
    39.75%
    APR
    Representative APR (variable)
    29.7%
    APR

Representative Example: Representative 29.7% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 29.75% p.a. (variable)

 APPLY ONLINE

Credit Needed
Bad
  • Free Aqua Credit Checker
  • Opportunity to reduce your APR to 19.9% simply for making payments on time and keeping to your credit limit
  • No fees on your purchases abroad, making this the card for your holiday
  • Aqua accept applications from people who have had CCJs or are on a low income
  • Aqua has said YES to over 750,000 customers in the UK
  • You must be a UK resident, without CCJs in the past 12 months
  • Must not have taken out a Marbles card in the past 12 months
  • Purchases
    Intro
    n/a
    Minimum
    Credit Limit
    £250
    Maximum
    Credit Limit
    £1,200
    Cash Advance
    Rate
    44.95%
    APR
    Representative APR (variable)
    34.9%
    APR

Representative Example: Representative 34.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 34.95% p.a. (variable)

  • 0% for 6 months on balance transfers (3% fee)
  • Build or rebuild your credit - Stay within your credit limit and make your repayments on time
  • Aqua accept applications from people who have had CCJs or are on a low income
  • Aqua has said YES to over 750,000 customers in the UK
  • You must be a UK resident, without CCJs in the past 12 months
  • Must not have taken out a Marbles card in the past 12 months
  • Purchases
    Intro
    n/a
    Minimum
    Credit Limit
    £0
    Maximum
    Credit Limit
    £0
    Cash Advance
    Rate
    44.95%
    APR
    Representative APR (variable)
    34.9%
    APR

Representative Example: Representative 34.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 34.95% p.a. (variable)

 APPLY ONLINE

Credit Needed
Bad
  • The Black Diamond Visa card is issued by Vanquis Bank
  • Initial credit limit from £150 to £1,000
  • Not available to applicants who already hold a credit card provided by Vanquis Bank (Vanquis, Aquis, NEO, Black Diamond, Chrome)
  • Must be over 18 and a permanent UK resident
  • Purchases
    Intro
    n/a
    Minimum
    Credit Limit
    £150
    Maximum
    Credit Limit
    £1,000
    Cash Advance
    Rate
    69.94%
    APR
    Representative APR (variable)
    59.9%
    APR

Representative Example: Representative 59.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 59.94% p.a. (variable)

 APPLY ONLINE

Credit Needed
Bad
  • 0% on card purchases for the first 4 months
  • Free unlimited access to your Aqua credit report
  • Text reminders, so you need never miss a payment
  • Start with a credit limit of £250 - £1,200 and you could get an increase on your 4th statement
  • Aqua accepts applications from people who have had CCJs or are on a low income
  • Access to money-saving vouchers and offers
  • You must be a UK resident, without CCJs in the past 12 months
  • Must not have taken out a Marbles card in the past 12 months
  • Purchases
    Intro
    0%
    4 Months
    Minimum
    Credit Limit
    £250
    Maximum
    Credit Limit
    £1,200
    Cash Advance
    Rate
    44.95%
    APR
    Representative APR (variable)
    34.9%
    APR

Representative Example: Representative 34.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 34.95% p.a. (variable)

  • Start with an easy to manage credit limit of between £150 and £1,000 and you could get a credit limit increase every 5 months up to £3,500
  • Pay bills straight from your NEO Credit Card
  • Good for applicants who want to build or rebuild their credit rating
  • Never miss another payment with SMS alerts and reminders
  • Take a payment holiday for 1 month per year, after 6 months of responsible account use
  • You must be a UK resident, aged 18 years or over, and must not be bankrupt
  • Not available to applicants who already hold a credit card provided by Vanquis Bank (Vanquis, Aquis, NEO, Black Diamond,Chrome)
  • Purchases
    Intro
    n/a
    Minimum
    Credit Limit
    £150
    Maximum
    Credit Limit
    £1,000
    Cash Advance
    Rate
    49.94%
    APR
    Representative APR (variable)
    39.9%
    APR

Representative Example: Representative 39.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 39.9% p.a. (variable)

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Getting the Right Student Credit Card

Student credit cards offer UK students a great way to ensure they are protected from sudden calls on their already stretched finances (especially when compared to the prohibitively high interest rates incurred by short term/payday loans). Cards suitable for students are offered by a number of UK credit card issuers, and thus getting the right one for you will take a little research.

All student credit cards have slight variations, but they are common in certain key respects. In terms of the credit score required to acquire one, there is an understanding on the part of the credit card issuers that the student credit card is likely to be amongst the first credit that the individual applying will have, so they are unlikely to have built much, if anything, of a credit score. Of course, when credit card issuers take a risk on a customer (risk being understood in terms of the track record an individual has/or hasn't of well managing credit) they reflect that risk in the interest rates they apply to products, therefore student credit cards tend to have higher interest rates than you might expect from some other credit card products. Student credit cards also reflect the additional risk of bad debt and default an issuer might expect through the level of indebtedness they will allow an individual to put themselves at, so credit limits are kept sensibly low to reduce exposure.

Using Student Credit Cards

Because of the high interest rates student credit cards charge, it is unwise to use them for prolonged borrowing, especially given that students can access credit in a number of ways that are comparably cheap versus products available to other consumers in the open market. Student credit cards are best used to help defend against sudden financial shocks (those expenses which couldn't be planned for), and times when you know you have the funds available to cover the balance in full, but wish to benefit from the additional purchase protection a credit card offers compared to other payment methods.

If you aren't in full time education, or have already built a credit score, you might find you are better off looking outside the student credit card space. In fact, there are many great deals and offers not available to student credit card holders that you might benefit from, so be sure to compare all UK credit cards to ensure you get the right products for your circumstances.

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