Looking for the best student credit card deals? We've researched the best credit card deals in the UK searching for the lowest interest rates including 0% representative APR on purchases, best cash back credit cards, the best balance transfer rates including 0 balance transfer cards and the longest zero balance transfer rate including 16 months balance transfer. These are not just good student credit cards though - they are great for everyone over 18 looking to save money on your credit card bills or to manage their finances with a cheap credit card deal
Student Tip - Credit cards can really help cash flow - but you WILL need to pay it make so make sure it's affordable
| Best Credit Card Deals | Balance Transfers | Purchases | Representative APR (Variable) | Apply | |
|---|---|---|---|---|---|
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Capital One Classic Credit Card Quick application! Perfect for someone looking to build or rebuild their credit rating |
NA | NA | 34.9% | Go to site |
| Representative example: 34.9% APR Representative variable, 34.94% p.a. variable on purchases, £1,200 credit limit Address: Capital One (Europe) plc. Trent House, Station Street, Nottingham NG2 3FB | |||||
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Halifax All In One Credit Card 0% on balance transfer made within first 90 days for 13 months!(3% charge applies) 0% on purchases for 13 months |
0% for 13 months |
0% for 13 months |
17.9% | Go to site |
| Representative example: assumed borrowing of £1,200, representative 17.9% APR (variable). Purchase rate 17.95% PA (variable). Halifax, The Mound, Edinburgh EH1 1YZ If you are accepted at our highest rate of 23.9% APR variable you may not be offered an introductory period on balance transfers and purchases. | |||||
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HSBC Credit Card 15 months free balance transfer (2.9% fee), 3 months free purcases, HSBC current account needed, students account holders DO NOT need to pay minimum salary amount into account |
0% for 15 months |
0% for 3 months |
16.9% | Go to site |
| Representative example: Typical 16.9% APR variable. Based on £0 annual fee, assumed borrowing of £1200, rate of interest (variable) annual 16.9% | |||||
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Virgin Credit Card with 20 months 0% balance transfer (2.99% balance transfer fee applies). Includes discounts on other Virgin products |
0% for 20 months |
0% for 3 months |
16.8% | Go to site |
| Representative example: assumed borrowing of £1,200, representative 16.8% APR (variable). Purchase rate 16.8% PA (variable). Address: Virgin Money, Discovery House, Whiting Road, Norwich, NR4 6EJ | |||||
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Bank of Scotland All in One Credit Card with 12 months 0% balance transfer (3% fee) and 0% purchase offer for 12 months. |
0% for 12 months |
0% for 12 months |
17.9% | Go to site |
| Representative example: assumed borrowing of £1,200, representative 17.9% APR (variable). Purchase rate 17.95% PA (variable). Address: Bank of Scotland plc, The Mound, Edinburgh EH1 1YZ | |||||
Please note that when applying for a credit card you will usually be asked what your earnings are - visit our student credit blog entry here to find out more
Virgin Student Credit Card
The Virgin Credit card offers a fantastic rate of 0% balance transfers for 20 months and 0% on card purchases for 3 months, but the rate does then increases to 16.8% representiative variable APR after this. The Virgin Mastercard also offers free purchase protection insurance, free travel accident insurance, discounts such as 1 month free with Virgin Media as well as 10% off at Virgin Trains on all Value advance fares when you pay with your Virgin credit card. So, if you're clever you can take advantage of the 0% balance transfer interest and pay no interest for 20 months apart from up front 2.99% transfer fee, and then transfer out before the balance transfer period ends on to another card, essentially providing you with an interest free loan. This is totally legal, just make sure you keep your repayments up!!
More Info on Virgin Money
Natwest Student Credit Cards
The Natwest Student Credit Card is specifically designed to help student with their cash flow, but to keep a limit on the spending and offer some great discounts with the credit card. Natwest offer a credit limit of up to £500 and an interest free period of 56 days on purchases, so if your balance off in time, you won't pay any interest. The Natwest Student credit card also offers cash advance of up to £300 should you really need it, but be aware that there is a 3% charge on the amount you take out, and the a higher interest rate of 27.9% on the cash that is advanced. however, again, if you settle this balance to zero before the 56 days, then it's only the 3% charge. To top all this, there are a host of student savings offered including 25% of Lonely Planet guides, £5 Firebox voucher, 15% off at Kitbag when paying with your Natwest card and even card holder offers from the Natwest Wine Club. All round, a great student credit card to aid your cash flow...
More Info on Natwest Student Credit Cards
HSBC Bank Credit Card
- 3 months free interest on purchases, 15 months free balance transfers (2.9% fee) as well a typical interest rate of just 16.9%
- HSBC have put together a great credit card here, competitive in every area with a good balance transfer angle, cheap to move your debt over, and really good fro credit card purchases.
- As a student credit card the 3 months interest free on purchases could be ideal! As a student account holder at HSBC, you also don't have to pay any salary into your account to be eligible for this great credit card deal
More Info on HSBC
Post Office
Credit Card
12 months interest free on balance transfers if you move money onto this credit card within 3 months of getting it. A balance transfer fee of 2.98% and an PR of 16.9% make this a really competitive credit card! As it's the Post Office you also get 0% commission on anything you buy abroad - excellent!
More Info on Post Office
Credit Card
Credit Expert
It's free to check your credit report online! Experian is currently offering a free 30 day trial and FREE CREDIT REPORT. Having a knowledge of your credit history before you make a credit card application is generally a good idea - it gives you an indication of your chances of being accepted, and could stop you from wasting your time going through multiple online credit card applications! Credit Expert are offering a huge range of extra features - including unlimited online access to your credit report, free advice from credit reference specialists over the phone, credit tips and email and text alerts.
More Info on Credit Expert
