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.
Also look at:

Compare the Best Credit Repair Credit Cards

Compare
Up to 3 products
side by side
APRCash Withdrawal RateAdditional InformationSearch all227 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 £20
Details...
Proceed
 
  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... 
  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... 
  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...
Proceed
 
  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...
Proceed
 
  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 Visa
34.9%34.90%
  • 0% on purchases for 3 months
  • Can't change payment due date
  • Start with a low credit limit that Barclaycard may later increase
Details...
Proceed
 
  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...
Proceed
 
  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...
Proceed
 
  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...
Proceed
 
  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%
  • 24 hour lost/stolen cards service
  • High rate for cash withdrawals
  • £1,000 max limit on opening (may be increased later)
Details...
Proceed
 
  Representative Example: Based on a credit limit of £1000.00 charged at 39.94% variable per annum for purchases. Representative 39.9% APR variable. 
Compare
Last Updated: Saturday 28 March 2015 00:18

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.

Search All Credit Cards >>
 

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.

 

 
International Money Transfers Based on £10,000 into Euros

Card Tools

Improve your credit ratingImprove your credit rating
If you've been rejected from a card application or think you have a poor credit rating, find out how you can get accepted. A simple thing like not being on the electoral roll could be the reason.

Credit repayment calculatorCredit repayment calculator
Find out how long it will take to clear your Credit Card.

Credit repayment term calculatorCredit repayment term calculator
Want to clear your credit card as quickly as possible?

Can you do your credit card sums?
Can you do your credit card sums?

Working out how long it will take to pay off your credit card balance can require some serious maths... More

Cost of borrowing falls in credit card market
Cost of borrowing falls in credit card market

Do you have a credit card, or are you thinking of getting one? If so, it could be a great time to go... More

Will you use credit this year?
Will you use credit this year?

Credit can often be a valuable way to help manage your money, but sometimes, it can be the route to ... More

Will you switch your credit card this year?
Will you switch your credit card this year?

Are you thinking about switching your credit card? Well, you’re in good company. Research has found ... More

6 of the best balance transfer credit cards
6 of the best balance transfer credit cards

Does the thought of opening your credit card bills fill you with fear? You’re not alone! Many people... More

Guide to 0% balance transfer credit cards
Guide to 0% balance transfer credit cards

Getting a long 0% balance transfer credit card can reduce your debt quickly and cheaply. But there a... More

Find your credit card providers
Find your credit card providers

Find out who provides your credit card. Most branded cards are issued by another provider – this cou... More

What type of credit card is best?
What type of credit card is best?

They’re so easy aren’t they: credit cards? It lands on your doormat, 85.60 x 53.98mm of pure spendin... More

New 36-month 0% balance transfer card
New 36-month 0% balance transfer card

Virgin Money has unveiled a new range of credit cards, one of which is offering 36 months of 0% inte... More

MBNA releases new 0% balance transfer card
MBNA releases new 0% balance transfer card

MBNA has unveiled a new card offering an extended period of 0% interest on balance and money transfe... More

HSBC increases 0% deal on balance transfers
HSBC increases 0% deal on balance transfers

HSBC has extended the 0% balance transfer period on its BT credit card to 34 months, a joint market-... More

New cashback card released by NatWest
New cashback card released by NatWest

NatWest has unleashed a competitive new cashback credit card on the market, securing it a place on t... More

Lloyds Bank launches new 19-month 0% purchase card
Lloyds Bank launches new 19-month 0% purchase card

Lloyds Bank has stepped up its game in the 0% interest credit card market by introducing a new 19-mo... More