Compare the best credit cards for poor credit

  - Need to rebuild your credit score? Compare cards for poor credit and find a flexible friend that will help repair your credit rating.
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Compare the Best Credit Repair Credit Cards

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APRCash Withdrawal RateAdditional InformationSearch all242 Credit Cards
 
Barclaycard

Platinum Balance Transfer 18 Month Visa
24.9%27.90%
  • 0% on balance transfers for 18 months
  • Can't change payment due date
  • Contactless payments up to £30
Details...
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  Representative Example: Based on a credit limit of £1200.00 charged at 24.9% variable per annum for purchases. Representative 24.9% APR variable. 
Lloyds Bank

Classic MasterCard
25.9%25.95%
  • 24 hour customer service
  • Can't change payment due date
  • Available in branch and over the telephone
Details...
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  Representative Example: Based on a credit limit of £1200.00 charged at 25.95% variable per annum for purchases. Representative 25.9% APR variable. 
Tesco Bank

Foundation Clubcard Credit Card MasterCard
28.9%33.94%
  • Earn Tesco Clubcard points for spending on your card
  • Rates dependent on credit rating
  • Available to help rebuild your credit
Details...
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  Representative Example: Based on a credit limit of £1200.00 charged at 28.944% variable per annum for purchases. Representative 28.9% APR variable. 
Capital One

Classic Platinum MasterCard
29.8%29.84%
  • 24 hour customer service
  • Maximum credit limit of £1,500
  • For people who've had credit problems in the past
Details...
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  Representative Example: Based on a credit limit of £1200.00 charged at 29.84% variable per annum for purchases. Representative 29.8% APR variable. 
Vanquis Bank

Aquis Visa
29.8%39.84%
  • Can help improve your credit rating
  • High rate for cash withdrawals
  • £1,000 max limit on opening (may be increased later)
Details...
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  Representative Example: Based on a credit limit of £1000.00 charged at 29.84% variable per annum for purchases. Representative 29.8% APR variable. 
Barclaycard

Initial with Purchases Visa
34.9%34.90%
  • £20 cashback after 3 months, if payments are made on time and stay with credit limit
  • Can't change payment due date
  • Start with a low credit limit that may later increase
Details...
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  Representative Example: Based on a credit limit of £1200.00 charged at 34.9% variable per annum for purchases. Representative 34.9% APR variable. 
Capital One

Classic MasterCard
34.9%34.94%
  • 24 hour customer service
  • High rate for cash withdrawals
  • Low credit limit. For people who've had credit problems in the past
Details...
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  Representative Example: Based on a credit limit of £1200.00 charged at 34.94% variable per annum for purchases. Representative 34.9% APR variable. 
NewDay Ltd

aqua Advance MasterCard
34.9%39.95%
  • Possible rate reduction of 5% a year for 3 years
  • High rate for cash withdrawals
  • Low credit limit. For people who've had credit problems in the past
Details...
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  Representative Example: Based on a credit limit of £1200.00 charged at 34.92% variable per annum for purchases. Representative 34.9% APR variable. 
Vanquis Bank

granite credit card Visa
34.9%44.94%
  • Exclusive discounts from leading UK retailers
  • High rate for cash withdrawals
  • £500 max limit on opening (may be increased later)
Details... 
  Representative Example: Based on a credit limit of £500.00 charged at 34.95% variable per annum for purchases. Representative 34.9% APR variable. 
Ocean Finance

Ocean Credit Card MasterCard
34.9%34.94%
  • Up to two optional credit limit increases per year, subject to eligibility
  • High APR rate
  • Credit repair card
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 34.94% variable per annum for purchases. Representative 34.9% APR variable. 
NewDay Ltd

aqua Classic MasterCard
35.9%39.95%
  • 24 hour customer service
  • High rate for cash withdrawals
  • Low credit limit. For people who've had credit problems in the past
Details...
Go to Site
 
  Representative Example: Based on a credit limit of £1200.00 charged at 35.95% variable per annum for purchases. Representative 35.9% APR variable. 
Vanquis Bank

Visa
39.9%49.94%
  • Can help improve your credit rating
  • High rate for cash withdrawals
  • £1,000 max limit on opening (may be increased later)
Details...
Go to Site
 
  Representative Example: Based on a credit limit of £1000.00 charged at 39.94% variable per annum for purchases. Representative 39.9% APR variable. 
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Last Updated: Friday 4 September 2015 17:50

Moneyfacts.co.uk Best Buys show the best products chosen by our independent experts. Where we have been able to we have also provided a link for you to apply online today. Products shown with a yellow background are sponsored products.

Disclaimer:
Fees and rates subject to change without notice. Check all rates and terms before borrowing. Assumptions have been made in calculating savings/costs. The figures should be used to illustrate potential savings and should be confirmed with credit card providers.

Moneyfacts.co.uk Limited is an independent credit broker. We will receive a payment from credit providers where customers link to them from Moneyfacts.co.uk. None of these arrangements affects our independence.

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How do credit cards for poor credit work?

If you’ve god a bad (or no) credit history you’ll find it hard to get accepted for a credit card, loan or even a mortgage. The trouble is, if no-one gives you credit, how can you ever improve your credit score and benefit from less expensive borrowing costs?

Credit cards for poor credit borrowers work by offering some people a route back. Generally, the APR will be a lot higher than that offered by a normal credit card. However, providing you keep up your repayments, your credit score will improve. On some cards, your APR will also get lower as you become considered less of a risk.

Bad credit cards are not for borrowing on

Credit cards for poor credit give you an opportunity to repair your credit score but, because the APR is high, you should try to avoid borrowing on them.

Remember that although bad credit cards will usually have a lower credit limit than a normal card, it’s still a credit limit.

You’ll need to spend on the card to have a balance to repay (and therefore evidence your responsibility as a borrower). However, you should aim to repay the balance in full each month – some cards will allow you to set up a direct debit to do this.

Is a bad credit card right for me?

You shouldn’t look at credit cards for poor credit as a method of last resort borrowing.  At best, these cards can improve your creditworthiness and get you accepted for credit more easily.  At worst it can just end up as another maxed out credit card – and an expensive one at that.

If you can trust yourself not to give into the temptation to spend, a bad credit card might be right for you.  If you’re unsure how you’ll behave with the card, it’s wise to stay well clear.

You don’t have to get a credit card – some prepaid cards allow you to repair your credit score as well.  They charge a monthly fee (usually in the region of £5) and, once you’ve paid your fee for a year, a positive entry is added to your credit file. The great thing about prepaid cards is that it’s impossible to get further into debt and there’s no credit check or possibility or worsening your credit score.

There are other ways to improve your credit rating – even if you’ve missed payments before, keeping up-to-date with all your existing credit agreements will improve your score. And it’s also a good idea to request your credit report – just to make sure there are no errors or fraudulent credit agreements in your name.

 

 
 
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