Credit Repair - Credit Cards for Bad Credit | moneyfacts.co.uk

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 all187 Credit Cards
 
Metro Bank

Personal Credit Card Mastercard
13.0%13.00%
  • No commission on purchases made in Europe
  • Can't pay bill by direct debit
  • Have/open Metro Bank current account to be eligible
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 13.0% variable per annum for purchases. Representative 13.0% APR variable. 
Barclaycard

Platinum 18 Month Balance Transfer 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. 
Tesco Bank

Foundation Clubcard Credit Card Mastercard
27.5%39.94%
  • 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 27.542% variable per annum for purchases. Representative 27.5% APR variable. 
Vanquis Bank

Vanquis Chrome 29.5pc Credit Card Visa
29.5%39.50%
  • Can help improve your credit rating
  • High rate for cash withdrawals
  • £1,000 max limit on opening (may be increased later)
Details... 
  Representative Example: Based on a credit limit of £250.00 charged at 29.5% variable per annum for purchases. Representative 29.5% 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%39.94%
  • 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%
  • 0% on purchases for 3 months
  • Can't change payment due date
  • Start with a low credit limit that may later increase
Details... 
  Representative Example: Based on a credit limit of £1200.00 charged at 34.9% variable per annum for purchases. Representative 34.9% APR variable. 
Marbles

Classic Mastercard
34.9%39.94%
  • Free text message alerts
  • 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 34.95% variable per annum for purchases. Representative 34.9% APR variable. 
NewDay Ltd

aqua Advance Mastercard
34.9%44.95%
  • 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...
Go to Site
 
  Representative Example: Based on a credit limit of £1200.00 charged at 34.95% variable per annum for purchases. Representative 34.9% APR variable. 
Vanquis Bank

granite Credit Card Visa
34.9%44.94%
  • Can help improve your credit rating
  • High rate for cash withdrawals
  • £1,000 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. 
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...
Go to Site
 
  Representative Example: Based on a credit limit of £1200.00 charged at 34.94% variable per annum for purchases. Representative 34.9% APR variable. 
Ocean Finance

Ocean Credit Card Mastercard
39.9%39.94%
  • 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 39.94% variable per annum for purchases. Representative 39.9% APR variable. 
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Last Updated: Monday 18 December 2017 15:48

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:
All credit cards are subject to the applicant’s status. The APR quoted is representative of the interest rate offered to most successful applicants. Depending on your personal circumstances the APR you are offered may be higher, or you may not be offered credit. Fees and rates subject to change without notice. Please check all rates and terms before borrowing.

Moneyfacts.co.uk Limited is an independent credit broker not a lender. 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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