Top Credit Cards for 2020

Top credit cards based on student reviews collected over 2019.

Want to know what the best credit cards for students are? So did we. So we asked them. We surveyed 250 students on our Student Hut Opinion Panel to bring you the best student essentials. Students ranked the best credit cards out of 10, on things like boosting credit score, credit limit, rewards, low charges and ease of use. Here are the top credit card recommendations for students, by students.

1. Natwest

NatWest is one of the most widely used credit card providers in the UK, and it's easy to see why. Offering low rates and 0% transfers, it's worth looking at what they have to offer.

2. The Aqua Reward Cashback Credit

If you're looking for a reliable way to build your credit rating, Aqua has you covered. With a handy app, text alerts, useful guides and more, it's a great alternative to the major providers.

3. TSB Student Credit Card

Whilst TSB offers a wide variety of credit cards, their Student Card is particularly attractive to those studying with no interest payments. Also, it's compatible with Apple & Google Pay, so that's a plus!

4. Royal Bank of Scotland Student

After a safety net while you study? The RBS credit card complements their student bank account perfectly, making payments easy. You can spread costs of payments and make use of their Apple Pay and Google Pay integrations.

5. Tesco Bank Foundation Card

They’re always telling us, ‘every little helps’. But this time they really mean it. With oversight into every spend, credit alerts and score factors, you’ll be able to curate a fantastic credit rating for the future.


They’ve based it all around flexibility. And there’s no annual fee. You can use the HSBC card with ease, around the world, in your way. Bank from anywhere using just your phone.

7. Marbles Credit Card

Need to keep a close eye on your finances? Get spending alerts to help you avoid exceeding your credit limit and choose a monthly repayment date that suits you. Improve your credit easily with Marbles.