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 conditions in just a few moments!

How does the student credit card comparison work??

First of all, you can specify your parameters in order to 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 the euro zone

Here you calculate your total turnover, which you make in one year on average with your credit card. Here, however, we are only talking about payments in 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

In this step it is about your turnover outside the euro zone. Simpler therefore: Calculate your entire turnover within one year with other currencies together. A credit card is especially important for hotel bookings, car rental payments or in restaurants abroad, as your normal checking account is often not accepted.

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

3. Card company

Here you select which credit card companies you want to be displayed. 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 credit card transactions.

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

4. View / 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. However, a higher fee is usually due for these cards.

Not everyone can get a platinum card. As a rule, a certain (high) annual income and a high turnover are prerequisites. Owners have advantages with the platinum card, such as a higher credit limit, better terms and longer payment periods. However, when it comes to fees, customers should expect to pay much 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 feature, prepaid or even for all payment methods.

  • Immediate collection: 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 a credit card function then.
  • Monthly bill: these are charge credit cards. So, for example, you buy something, the provider advances you the money, and at the end of the month you get a bill or the money is debited from your checking account.
  • Installment facility: These revolving credit cards work in the same way as charge credit cards, but at the end of the month you do not have to pay the full amount of your expenses. Because you pay here actually permanently an installment credit off. 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 can then pay with it. You can't overdraw your credit card and you won't be tempted to spend more than you have. This payment method is especially good for students to keep track of their expenses at all times.

6. Start student credit card comparison

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

Student credit card comparison: What can I take from 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.


Here you can see with name and logo, which credit card provider it is in this line, so for example N26, DKB or American Express. This way you can quickly recognize, select or deliberately skip known providers.


You can see here immediately which credit card it is. For example, whether the credit card is a gold credit card or 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, recommendations from other customers and online banking.

Additional services

Additional services are divided into four different categories: Bonus systems, insurance, discounts and services. If the small image is highlighted in black, the provider offers the benefits. You can move the 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? These can be own bonus schemes, but also known Payback.
  • The bag: Does the provider offer you insurances?? These can be travel or car insurance, for example.
  • Percentage sign: Here it is about possible discounts. These can be, for example, discounts on your purchases or hotel bookings.
  • The globe: What additional services are available? So, for example, a free partner card or that you 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 the use of the credit card. So you can see at a glance what fixed costs you will incur per year. As a rule, most providers now offer almost entirely free credit cards, so with most you will see here the indication "0.00 euros".

Total costs student credit card comparison

Student credit card comparison: Here's how to find a provider

A provider has piqued your interest and you now want to see for yourself? Then click on the "To the provider" button to go directly to the student credit card of your choice, where you can open your credit card in just a few minutes.

Student credit card comparison: What should a good credit card offer??

This student credit card comparison compares individual credit card providers based on costs and ratings. Here we would like to give you a few additional tips on the way, which 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 will have to pay 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

If your student credit card is in the red, debit interest will be charged. At least, if at the end of the month the entire amount can not be balanced. These interest rates are in the range of 10 to 20 percent, which is not exactly low.

Especially if you have to watch your money, you should avoid these debit interest rates if possible. Of course, you can also deliberately choose a prepaid credit card or a debit card with credit card functions. Here you spend only the money that you yourself have transferred to the credit card.