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Looking for the best student credit card deals? We've researched credit cards that are available, with the lowest interest rates, the longest balance transfer periods and the best perks. These are not just exclusively good student credit cards - they are great for anyone!
Credit Card - deals of the week! |
Balance Transfers |
Purchases |
Typical APR |
||||
Rate |
Duration |
Rate |
Duration |
||||
 |
Virgin Credit Card with 2.98% balance transfer fee. Also with discounts on other virgin products More credit card info below |
0% |
15 months |
0% |
3 mths |
15.9% |
 |
 |
Halifax Credit Card with 3% balance transfer fee. Check the interest free period! More credit card info below |
0% |
10 months |
0% |
10 mths |
15.9% |
|
 |
RBS Credit Card - Credit cards for everyone! 2.9% transfer fee More student credit cards below |
0% |
13 months |
0% |
6 months |
15.9% |
|
 |
Capital One Credit Card - Response with 1 minute guaranteed! More credit card info below |
NA |
NA |
NA |
NA |
34.9% |
|
 |
Vanquis Credit Card. Had credit problems or never had a credit history. Geat card for newbies! More credit card info below |
NA |
NA |
NA |
NA |
39.9% |
|
 |
Egg Credit Card with 3% balance transfer fee. Great anniversary offers on balance transfers. More credit card info below |
0% |
Up to 15 months |
0% |
3 months |
16.9% |
|
 |
Post Office Credit Card with 2.75% balance transfer fee. More credit card info below |
0% |
10 months |
0% |
3 months |
15.9% |
|
Looking for a credit card? Want to find the best balance transfer credit cards or the easiest student credit card to apply for? Browse the sections below for the best offers on general credit cards and student credit cards, that will save you on your interest payments and let you balance transfer cheaply.
The classic Capital One credit card is one of the most popular credit card deals on the market, it's fairly easy to get and gives you spending power of between £200 and £2500. An interest rate of 34.9% APR means you should pay off your outstanding balance as quick as possible as it is not a cheap credit card, but the guarantee of a decision within 1 minute is a great reason to get it, especially if you're looking for a student credit card.
Capital One also do other credit cards - the Platinum is particularly good with 0 interest on balance transfers for around 10 months and same on purchases. With only a 1.7% balance transfer fee this is a great deal - but you must already have an excellent credit rating.. big drawback!
- 12 months free internest on purchases, 2.9% for balance transfers for 2 years, and only a 2.5% fee for moving your money from another credit card.. as well a typical interest rate of just 15.9%
- 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 12 months interest free on purchases could be ideal! They also have a dedicated student credit card offer - 18.9% APR
This is for all those people who have been refused credit cards by other providers due to a non-existent credit history (no credit cards etc in the past) or past credit problems.
A typical variable APR of 39.9% makes it quite an expensive credit card - but the ease of getting the card overrules this. They also provide manageable credit limits to stop you getting out of your depth and allowing you to stay in control.
If you've been rejected from other credit card providers, try the Vanquis credit card!
- Egg is also offering 0% interest on balance transfers for up to 15 months, along with 0% interest on purchases for 3 months. This credit card provider is also offering one of the best credit card deals by offering a 0% anniversary offer for balance transfers made during a specified period. This zero interest anniversary is valid for 5 months. This means that there will be no need to shop around next year or the year after for another credit card for your next balance transfer! They also have great offers with their selected online retailers (such as with Dixons.co.uk who will give you 10% cashback on sales) and a typical APR of 16.9% - variable. For an initial credit card balance transfer there is a 3% handling fee (maximum £50).
10 months interest free on balance transfers if you move money onto this credit card within 3 months of getting it.
Initial 3 months with 0 interest on purchases and also anniversary periods every year where you can balance transfer more money cheaply onto the credit card. As it's the Post Office you also get 0% commission on anything you buy abroad - excellent!
Natwest have a range of credit card offers to suit anybody and everybody! From 13 months interest free on balance transfers AND 6 months on purchases, as good a credit card deal as you're going to get, to a dedicated student credit card, Natwest has it all. In line with other best credit cards there is no fee. As a deal goes this is a great credit card offer and one of the best cheap balance transfers.
Although a 2.9% fee applies to balance transfers the typical APR for the classic credit card is just 15.9% - and for the others ranges from 15.9 to 16.9% variable, depending on which credit card you apply for.
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.
Halifax have come up with a dedicated student credit card with a few nifty features - with a credit level of anything between £100 and £500 it's aimed to not get you into any financial trouble.. and with an interest rate of 17.9% it's really competitive with other main players. What they do offer is free text messages with your balance and reminder on when to pay your bill.. and tons of discounts on famous brands. Not bad!
Mint is offering 0 interest on balance transfers for 13 months! You can extend this fantastic offer for a while after the initial interest free period if you carry out a balance transfer in the bonus period. This free balance transfer offer along with 0% interest on purchases makes this one of the cheapest credit cards on the market today. With a typical APR of 12.9% and up to 59 days interest free on purchases Mint have offered a product that is hard to refuse! You can also transfer cash directly to your bank account with their Money Transfer service - useful stuff!
A student credit card from barclays designed specifically for your needs - although it doesn't have a very low interest rate or balance transfer options, with a typical rate of 14.9% and no over limit fees as well as great deals on things in Argos it's a really good student credit card deal!
