The best credit card for a student depends on your circumstances, including your income, credit history and whether you need to borrow or simply build credit. Look for a low or no annual fee, a manageable credit limit and a representative APR you understand, but remember the rate offered may differ from the advertised rate. Use the card for affordable purchases, repay the balance in full each month where possible, and avoid cash withdrawals, which can be expensive. Compare cards from FCA-authorised providers and check the eligibility criteria before applying.