Please
note: The interest rates, APR calculations, charges,
awards and other conditions applying to credit cards on these
pages may be changed by the card providers at any time.
UK Student Credit Cards
Credit cards can
provide the best way to control budgets and to get through
patches of no money for tertiary students. Student
cards in the US originally came with a streak of
benefits aimed at the tertiary student . . transport, books,
computers, etcetera.
In the UK that is not the case, and
a student card is just a normal credit card, which means
you can get all those things plus DVDs, rock concert tickets,
and of course, lunch.
However, as the issuers see market
share among tertiary students as courting a new audience,
they still offer good value and marching
into your local bank as a brand new uni student, with a
few quid to start the account, will see you get a quick
and easy approval for a card.
Compare rates online for a cheap UK credit card
Click on any of the cards below and
then select its name by scrolling the menu box.
We strongly recommend you then run a comparison
by selecting the default choice of "Any",
it may find you a far better deal . . .
Our pick of the best:
Accucard —
The original "build your own
card" offering, Accucard is still one of the most flexible,
and cheapest options around.
By paying a slightly higher annual
fee (£19 a year compared to £8 a year for their
normal offering) an Accucard holder can get moderate APR,
and still get some cashback awards.
Click on the
card below to compare . . .
Capital One —
The card has very low introductory
interest rates, minimal complicated benefits attachments,
and is designed for someone starting out in the world to
manage easily and build a good credit rating and is having
trouble, as some overseas students do, in getting other
credit.
There are no annual fees, but interest
rates on purchases work out at a steep APR. This makes it
a card that needs paying in full, before the end of each
month. In other words a perfect card for a first time user
who is receiving a monthly allowance.
Click on the
card below to compare . . .
LLoyds TSB —
Are going after a market with their
"Advance" card, and that means great deals for
people on a fixed budget, like most students.
Try 0% on balance transfers and purchases until 1 September
2004
And after that you still benefit from
a low standard interest rate, charged from day of purchase.
Qualifying balance transfers must
be made within 6 weeks of account opening (a few days before
you get your card). Perfect if you don’t pay off your balance
every month! If your finances are standing still
Click on the
card below to compare . . .
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