Student credit card comparison: Find the best and cheapest credit card

With our interactive student credit card comparison, you can find the perfect credit card with the best terms in just a few moments!

How does the student credit card comparison work??

First of all, you can specify your parameters so that you can also find the credit card that best suits you and your needs. In our credit card calculator there are the following parameters:

1. Annual turnover in Euroland

Here you add up your total turnover, which you make in a year on average with your credit card. Here, however, we only deal with payments with euros. Because: Paying with your credit card is free of charge with many providers in the euro area. But more about this later.

2. Annual turnover in non-Euroland

This step is about your turnover outside the euro zone. Simpler therefore: Add up your total turnover within a year with other currencies. A credit card is especially important for hotel bookings, car rental payments or in restaurants abroad, because your normal current account is often not accepted.

Credit card providers may charge you fees for paying with credit card or withdrawing cash in non-euro areas. The fees are also called "foreign currency fees" and are usually calculated with a fixed percentage and your expenses.

3. Card company

Here you can choose which credit card companies you want to be shown. You have a total of four choices in the student credit card comparison, which are also the market leaders in the field of credit cards: American Express, Visa, Mastercard or all.

What are credit card companies actually? These are companies that provide the payment network for credit card payments and handle all transactions with the credit card.

Note: Do not confuse the credit card companies with the credit card issuers. For these are usually banks that cooperate with the companies.

4. Reputation / Status

If you are looking for a suitable credit card, in most cases you will find normal, classic credit cards without status or special features. For certain groups of people there are also gold and platinum cards.

With gold cards, customers can benefit from insurance or bonus programs, for example. For this, however, a higher fee is usually due.

Not everyone can get a platinum card. As a rule, a certain (high) annual income and a high turnover are prerequisites. Holders have advantages with a platinum card, such as a higher credit limit, better conditions and longer payment terms. When it comes to fees, however, customers must expect significantly higher fees.

If you already meet these requirements as a student, you can either choose all cards, only gold cards, only platinum cards or gold and platinum cards in your student credit card comparison.

5. Payment method

Which payment method is suitable for you as a student?? Here you can choose between immediate debit from the account, a monthly bill, the installment facility, prepaid or all payment methods.

  • Instant debit: your current account is directly linked to your credit card. This means quite simply: If you pay something with the credit card, the outstanding amount is debited directly from your current account. This is actually a debit card with credit card function.
  • Monthly bill: These are charge credit cards. For example, you buy something, the provider advances you the money and at the end of the month you get an invoice or the money is debited from your checking account.
  • Instalment facility: These revolving credit cards work in principle like charge credit cards, but at the end of the month you don't have to pay the full amount of your expenses. Because you are actually paying off an installment loan here permanently. Note: Due to the high interest rates, this can quickly become very expensive.
  • Prepaid: The principle of this credit card is simple to understand: You transfer your balance to the card beforehand and then you can pay with it. You can't overdraw your credit card and won't be tempted to spend more than you have. Especially for students, this payment method is well suited to keep track of expenses.

6. Start student credit card comparison

Then click on "Compare credit cards" and we will show you the best matches individually according to your specifications.

Student credit card comparison: What can I see in the table??

After you have entered all individual factors, you can take from the table the student credit card recommendations for your needs. We explain to you what exactly is displayed to you.


Here you can see the name and logo of the credit card provider in this line, for example N26, DKB or American Express. Here's how you can quickly identify, select, or intentionally skip known providers.


You can see here immediately which credit card it is. So for example, whether it's a gold credit card or the credit card is a debit card.


In the star rating, up to five stars can be achieved. If you scroll over the stars with your mouse, you will see the broken down rating of the provider. This is made up of transparency, service, recommendation of other customers and online banking.

Additional services

The additional services are divided into four different categories: Bonus systems, insurance, discounts and services. If the small picture is black, the provider offers the benefits. You can hover your mouse over it to see the details.

  • The cross: Here it is about possible bonus systems. So if the provider offers you participation in bonus programs? This can be own bonus systems, but also known Payback.
  • The pocket: Does the provider offer you insurance?? This could be travel or car insurance, for example.
  • Percentage sign: This is about possible discounts. These can be discounts on your purchases or hotel bookings, for example.
  • The globe: What additional services are available? For example, a free partner card or that you can withdraw cash free of charge in the euro and non-euro area.

Total costs p.a.

The total cost p.a. are the costs you have to pay per year for using the credit card. You can see at a glance which fixed costs you will have to pay per year. As a rule, most providers now offer almost entirely free credit cards, so for most of them you will see the indication "0.00 Euro" here.

Total cost student credit card comparison

Student credit card comparison: How to find the provider

A provider has aroused your interest and you now want to see for yourself? Then you can click on the button "To the provider" directly to your desired student credit card and can open your credit card there in a few minutes.

Student credit card comparison: What does a good credit card have to offer??

This student credit card comparison compares the individual credit card providers based on the costs and the ratings. Here we would like to give you a few additional tips that are important when choosing your student credit card.

1. The annual fee

Students in particular often have to watch every penny. An annual fee, which is required by some credit cards for the use of the card itself, can be easily saved. Because as already mentioned, there are many free credit cards. If you want a lot of extra services, however, you have to expect an annual fee.

2. Fees abroad

You like to travel or order things abroad? Then the fees outside the euro area are especially important for you. For foreign currencies, foreign currency fees of several percent are often incurred. There's not much you can do about these fees, except make sure they're as low as possible.

3. Debit interest on the credit line

Should dine student credit card fall into the minus, debit interest is required. At least if at the end of the month you can't balance the entire amount. These interest rates are in the 10 to 20 percent range, which is not exactly low.

Especially if you have to watch your money, you should avoid these debit interest rates as much as possible. You can, of course, consciously choose a prepaid credit card or a debit card with credit card features. Here you spend only the money that you yourself have transferred to the credit card.

Note: All content is not investment, tax, insurance or legal advice. They serve to inform and entertain. We assume no responsibility for any risks or losses. Never forgo doing your own thorough research. Links may be affiliate links.