Is a credit repair card right for me?

Are you credit invisible or have you hit a road bump with your credit? Credit repair cards can help you to rebuild your profile, all you need to do is keep making repayments on time.

What type of card are you looking for? Show
What type of card are you looking for?

Tesco Bank Logo
Tesco Bank Foundation Clubcard Credit Card Mastercard
Intro Rate For Purchases
No introductory rate for purchases
APR
27.5%
Additional Information
Earn Tesco Clubcard points for spending on your card
Rates dependent on credit rating
Available to help rebuild your credit
Go To Provider's Site
Representative Example: Based on a credit limit of £1200.00 charged at 27.542% variable per annum for purchases. Representative 27.5% APR variable.
Application Criteria
Bill Payment
Standard Interest Rates
Benefits and Features
Charges
Additional Information

Application Criteria

Existing customers only
Invitation only
Minimum age 18 years
Minimum income £5000.00
Credit repair card
Apply for this card
Internet
In branch
Post
Telephone

Bill Payment

Standing order (fixed amount)
Direct debit (minimum payment)
Direct debit (fixed monthly amount)
Direct debit (fixed % of balance)
Direct debit (full amount)
Minimum monthly payment
Greater of 1.0% or £25.00 each month. or the total of any interest, default fees and charges plus 1% of the outstanding balance plus any arrears.

Standard Interest Rates

For purchase
Monthly 2.048%
APR 27.5%
For cash withdrawals
Monthly 2.840%
Annual 39.94%
For balance transfers
Monthly 2.048%
Annual 27.54%
For money transfers
Monthly 2.840%
Annual 39.94%

Benefits and Features

Interest free days (purchase) 56
Rewards earned on
Purchases
Balance transfers
Money transfers
Cash transfers
Money transfer available
Contactless payment
Available
Minimum payment £0.01
Maximum payment £30.00

Charges

Card fee N/A
Balance transfer fee 3.99% - Min £3.00
Cash withdrawal fee 3.99% - Min £3.00
Money transfer fee 3.99% - Min £3.00
Using a card abroad
European Union 2.75%
Worldwide 2.75%

Additional Information

1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco, must have available credit to earn points. Card can also be used as a Clubcard to collect standard points at 1 point per £1 spent on shopping and 1 point per £2 spent on fuel. Points are converted to Tesco vouchers which can be used towards shopping or exchanged for Partner Rewards.
Barclaycard Logo
Barclaycard Forward Credit Card Visa
Intro Rate For Purchases
0.0% for 3 months.
APR
34.9%
Additional Information
0% on purchases for 3 months
Can't change payment due date
Start with a low credit limit that may later increase
Go To Provider's Site
Representative Example: Based on a credit limit of £1200.00 charged at 34.9% variable per annum for purchases. Representative 34.9% APR variable.
Application Criteria
Bill Payment
Standard Interest Rates
Benefits and Features
Charges
Additional Information

Application Criteria

Existing customers only
Invitation only
Minimum age 18 years
Minimum income £3000.00
Credit repair card
Apply for this card
Internet
In branch
Post
Telephone

Bill Payment

Standing order (fixed amount)
Direct debit (minimum payment)
Direct debit (fixed monthly amount)
Direct debit (fixed % of balance)
Direct debit (full amount)
Minimum monthly payment
Greater of 2.5% or £5.00 each month. or the total of any interest, default fees and charges plus 1% of the outstanding balance.

Standard Interest Rates

For purchase
Monthly 2.526%
APR 34.9%
For cash withdrawals
Monthly 2.526%
Annual 34.90%
For balance transfers
Monthly 2.526%
Annual 34.90%
For money transfers
Monthly Money transfer not available
Annual Money transfer not available

Benefits and Features

Interest free days (purchase) 56
Rewards earned on
Purchases
Balance transfers
Money transfers
Cash transfers
Money transfer available
Contactless payment
Available
Minimum payment £0.01
Maximum payment £30.00

Charges

Card fee N/A
Balance transfer fee 2.50% - No minimum charge
Cash withdrawal fee 2.99% - Min £2.99
Money transfer fee Money transfer not available
Using a card abroad
European Union 2.99%
Worldwide 2.99%

Additional Information

-
Barclaycard Logo
Barclaycard Platinum 18 Month Balance Transfer Visa
Intro Rate For Purchases
0.0% for 3 months.
APR
24.9%
Additional Information
0% on balance transfers for 18 months
Can't change payment due date
Contactless payments up to £30
Representative Example: Based on a credit limit of £1200.00 charged at 24.9% variable per annum for purchases. Representative 24.9% APR variable.
Application Criteria
Bill Payment
Standard Interest Rates
Benefits and Features
Charges
Additional Information

Application Criteria

Existing customers only
Invitation only
Minimum age 21 years
Minimum income £3000.00
Credit repair card
Apply for this card
Internet
In branch
Post
Telephone

Bill Payment

Standing order (fixed amount)
Direct debit (minimum payment)
Direct debit (fixed monthly amount)
Direct debit (fixed % of balance)
Direct debit (full amount)
Minimum monthly payment
Greater of 2.3% or £5.00 each month. or the total of any interest, default fees and charges plus 1% of the outstanding balance.

Standard Interest Rates

For purchase
Monthly 1.870%
APR 24.9%
For cash withdrawals
Monthly 2.071%
Annual 27.90%
For balance transfers
Monthly 1.870%
Annual 24.90%
For money transfers
Monthly Money transfer not available
Annual Money transfer not available

Benefits and Features

Interest free days (purchase) 56
Rewards earned on
Purchases
Balance transfers
Money transfers
Cash transfers
Money transfer available
Contactless payment
Available
Minimum payment £0.01
Maximum payment £30.00

Charges

Card fee N/A
Balance transfer fee 2.99% - No minimum charge
Cash withdrawal fee 2.99% - Min £2.99
Money transfer fee Money transfer not available
Using a card abroad
European Union 2.99%
Worldwide 2.99%

Additional Information

-
Tandem Bank Logo
Tandem Bank Journey Credit Card Mastercard
Intro Rate For Purchases
No introductory rate for purchases
APR
24.9%
Additional Information
No non-sterling commission or transaction fees on foreign spend and ATM withdrawals
No balance transfers
You may be offered alternative terms
Representative Example: Based on a credit limit of £1200.00 charged at 24.9% variable per annum for purchases. Representative 24.9% APR variable.
Application Criteria
Bill Payment
Standard Interest Rates
Benefits and Features
Charges
Additional Information

Application Criteria

Existing customers only
Invitation only
Minimum age 18 years
Minimum income £15000.00
Credit repair card
Apply for this card
Internet
In branch
Post
Telephone

Bill Payment

Standing order (fixed amount)
Direct debit (minimum payment)
Direct debit (fixed monthly amount)
Direct debit (fixed % of balance)
Direct debit (full amount)
Minimum monthly payment
Greater of 1.0% or £5.00 each month. or the total of any interest, default fees and charges plus 1% of the outstanding balance.

Standard Interest Rates

For purchase
Monthly 1.870%
APR 24.9%
For cash withdrawals
Monthly 1.870%
Annual 24.90%
For balance transfers
Monthly Balance transfer not available
Annual Balance transfer not available
For money transfers
Monthly Money transfer not available
Annual Money transfer not available

Benefits and Features

Interest free days (purchase) 56
Rewards earned on
Purchases
Balance transfers
Money transfers
Cash transfers
Money transfer available
Contactless payment
Available
Minimum payment £0.01
Maximum payment £30.00

Charges

Card fee N/A
Balance transfer fee Balance transfer not available
Cash withdrawal fee 2.50% - Min £2.50
Money transfer fee Money transfer not available
Using a card abroad
European Union 0.00%
Worldwide 0.00%

Additional Information

-
Lloyds Bank Logo
Lloyds Bank (Branch) Classic Mastercard
Intro Rate For Purchases
0.0% for 6 months.
APR
27.9%
Additional Information
24 hour customer service
Can only open in branch
Available in branch and over the telephone
Representative Example: Based on a credit limit of £1200.00 charged at 27.95% variable per annum for purchases. Representative 27.9% APR variable.
Application Criteria
Bill Payment
Standard Interest Rates
Benefits and Features
Charges
Additional Information

Application Criteria

Existing customers only
Invitation only
Minimum age 18 years
Minimum income No minimum income
Credit repair card
Apply for this card
Internet
In branch
Post
Telephone

Bill Payment

Standing order (fixed amount)
Direct debit (minimum payment)
Direct debit (fixed monthly amount)
Direct debit (fixed % of balance)
Direct debit (full amount)
Minimum monthly payment
Greater of 1.0% or £5.00 each month. or the total of any interest, default fees and charges plus 1% of the outstanding balance.

Standard Interest Rates

For purchase
Monthly 2.075%
APR 27.9%
For cash withdrawals
Monthly 2.075%
Annual 27.95%
For balance transfers
Monthly 2.075%
Annual 27.95%
For money transfers
Monthly Money transfer not available
Annual Money transfer not available

Benefits and Features

Interest free days (purchase) 56
Rewards earned on
Purchases
Balance transfers
Money transfers
Cash transfers
Money transfer available
Contactless payment
Available
Minimum payment £0.01
Maximum payment £30.00

Charges

Card fee N/A
Balance transfer fee 3.00% - Min £3.00
Cash withdrawal fee 3.00% - Min £3.00
Money transfer fee Money transfer not available
Using a card abroad
European Union 2.95%
Worldwide 2.95%

Additional Information

-
Capital One Logo
Capital One Classic Platinum Mastercard
Intro Rate For Purchases
No introductory rate for purchases
APR
29.8%
Additional Information
24 hour customer service
Maximum credit limit of £1,500
For people who've had credit problems in the past
Representative Example: Based on a credit limit of £1200.00 charged at 29.84% variable per annum for purchases. Representative 29.8% APR variable.
Application Criteria
Bill Payment
Standard Interest Rates
Benefits and Features
Charges
Additional Information

Application Criteria

Existing customers only
Invitation only
Minimum age 18 years
Minimum income No minimum income
Credit repair card
Apply for this card
Internet
In branch
Post
Telephone

Bill Payment

Standing order (fixed amount)
Direct debit (minimum payment)
Direct debit (fixed monthly amount)
Direct debit (fixed % of balance)
Direct debit (full amount)
Minimum monthly payment
Greater of 3.0% or £5.00 each month. or the total of any interest, default fees and charges, 1/12th of annual fee plus 3% of the outstanding balance.

Standard Interest Rates

For purchase
Monthly 2.200%
APR 29.8%
For cash withdrawals
Monthly 2.200%
Annual 29.84%
For balance transfers
Monthly 2.200%
Annual 29.84%
For money transfers
Monthly 2.200%
Annual 29.84%

Benefits and Features

Interest free days (purchase) 56
Rewards earned on
Purchases
Balance transfers
Money transfers
Cash transfers
Money transfer available
Contactless payment
Available
Minimum payment £0.01
Maximum payment £30.00

Charges

Card fee N/A
Balance transfer fee 3.00% - No minimum charge
Cash withdrawal fee 3.00% - Min £3.00
Money transfer fee 3.00% - No minimum charge
Using a card abroad
European Union 2.75%
Worldwide 2.75%

Additional Information

-
Barclaycard Logo
Barclaycard (Branch) Better Together 29.9pc Initial Visa
Intro Rate For Purchases
No introductory rate for purchases
APR
29.9%
Additional Information
For customers new to credit
Available in branches of Barclays
Start with a low credit limit that Barclaycard may later increase
Representative Example: Based on a credit limit of £1200.00 charged at 29.9% variable per annum for purchases. Representative 29.9% APR variable.
Application Criteria
Bill Payment
Standard Interest Rates
Benefits and Features
Charges
Additional Information

Application Criteria

Existing customers only
Invitation only
Minimum age 18 years
Minimum income £3000.00
Credit repair card
Apply for this card
Internet
In branch
Post
Telephone

Bill Payment

Standing order (fixed amount)
Direct debit (minimum payment)
Direct debit (fixed monthly amount)
Direct debit (fixed % of balance)
Direct debit (full amount)
Minimum monthly payment
Greater of 2.3% or £5.00 each month. or the total of any interest, default fees and charges plus 1% of the outstanding balance.

Standard Interest Rates

For purchase
Monthly 2.203%
APR 29.9%
For cash withdrawals
Monthly 2.203%
Annual 29.90%
For balance transfers
Monthly Balance transfer not available
Annual Balance transfer not available
For money transfers
Monthly Money transfer not available
Annual Money transfer not available

Benefits and Features

Interest free days (purchase) 56
Rewards earned on
Purchases
Balance transfers
Money transfers
Cash transfers
Money transfer available
Contactless payment
Available
Minimum payment £0.01
Maximum payment £30.00

Charges

Card fee N/A
Balance transfer fee Balance transfer not available
Cash withdrawal fee 2.99% - Min £2.99
Money transfer fee Money transfer not available
Using a card abroad
European Union 2.99%
Worldwide 2.99%

Additional Information

-
HSBC Logo
HSBC Classic Credit Card Visa
Intro Rate For Purchases
No introductory rate for purchases
APR
29.9%
Additional Information
Contactless payments up to £30
High APR of 29.9%
Manage your card online
Representative Example: Based on a credit limit of £1200.00 charged at 29.9% variable per annum for purchases. Representative 29.9% APR variable.
Application Criteria
Bill Payment
Standard Interest Rates
Benefits and Features
Charges
Additional Information

Application Criteria

Existing customers only
Invitation only
Minimum age 18 years
Minimum income £8500.00
Credit repair card
Apply for this card
Internet
In branch
Post
Telephone

Bill Payment

Standing order (fixed amount)
Direct debit (minimum payment)
Direct debit (fixed monthly amount)
Direct debit (fixed % of balance)
Direct debit (full amount)
Minimum monthly payment
Greater of 2.5% or £5.00 each month. or the total of any interest, default fees and charges plus 1% of the outstanding balance.

Standard Interest Rates

For purchase
Monthly 2.207%
APR 29.9%
For cash withdrawals
Monthly 2.207%
Annual 29.90%
For balance transfers
Monthly 2.207%
Annual 29.90%
For money transfers
Monthly Money transfer not available
Annual Money transfer not available

Benefits and Features

Interest free days (purchase) 56
Rewards earned on
Purchases
Balance transfers
Money transfers
Cash transfers
Money transfer available
Contactless payment
Available
Minimum payment £0.01
Maximum payment £30.00

Charges

Card fee N/A
Balance transfer fee 2.90% - Min £5.00
Cash withdrawal fee 2.99% - Min £3.00
Money transfer fee Money transfer not available
Using a card abroad
European Union 2.99%
Worldwide 2.99%

Additional Information

-
NewDay Ltd Logo
NewDay Ltd Amazon Classic Mastercard
Intro Rate For Purchases
0.0% for 3 months.
APR
29.9%
Additional Information
0% for 3 months on purchases
Rates dependent on credit rating
Manage your card online
Representative Example: Based on a credit limit of £1200.00 charged at 29.95% variable per annum for purchases. Representative 29.9% APR variable.
Application Criteria
Bill Payment
Standard Interest Rates
Benefits and Features
Charges
Additional Information

Application Criteria

Existing customers only
Invitation only
Minimum age 18 years
Minimum income No minimum income
Credit repair card
Apply for this card
Internet
In branch
Post
Telephone

Bill Payment

Standing order (fixed amount)
Direct debit (minimum payment)
Direct debit (fixed monthly amount)
Direct debit (fixed % of balance)
Direct debit (full amount)
Minimum monthly payment
Greater of 1.0% or £5.00 each month. or the total of any interest, default fees and charges plus 1% of the outstanding balance.

Standard Interest Rates

For purchase
Monthly 2.207%
APR 29.9%
For cash withdrawals
Monthly 2.840%
Annual 39.94%
For balance transfers
Monthly 2.207%
Annual 29.95%
For money transfers
Monthly Money transfer not available
Annual Money transfer not available

Benefits and Features

Interest free days (purchase) 56
Rewards earned on
Purchases
Balance transfers
Money transfers
Cash transfers
Money transfer available
Contactless payment
Available
Minimum payment £0.01
Maximum payment £30.00

Charges

Card fee N/A
Balance transfer fee 5.00% - No minimum charge
Cash withdrawal fee 3.00% - Min £3.00
Money transfer fee Money transfer not available
Using a card abroad
European Union 2.75%
Worldwide 2.75%

Additional Information

-
Barclaycard Logo
Barclaycard (Branch) Better Together 34.9pc Initial Visa
Intro Rate For Purchases
No introductory rate for purchases
APR
34.9%
Additional Information
For customers new to credit
Available in branches of Barclays
Start with a low credit limit that Barclaycard may later increase
Representative Example: Based on a credit limit of £1200.00 charged at 34.9% variable per annum for purchases. Representative 34.9% APR variable.
Application Criteria
Bill Payment
Standard Interest Rates
Benefits and Features
Charges
Additional Information

Application Criteria

Existing customers only
Invitation only
Minimum age 18 years
Minimum income £3000.00
Credit repair card
Apply for this card
Internet
In branch
Post
Telephone

Bill Payment

Standing order (fixed amount)
Direct debit (minimum payment)
Direct debit (fixed monthly amount)
Direct debit (fixed % of balance)
Direct debit (full amount)
Minimum monthly payment
Greater of 2.3% or £5.00 each month. or the total of any interest, default fees and charges plus 1% of the outstanding balance.

Standard Interest Rates

For purchase
Monthly 2.526%
APR 34.9%
For cash withdrawals
Monthly 2.526%
Annual 34.90%
For balance transfers
Monthly Balance transfer not available
Annual Balance transfer not available
For money transfers
Monthly Money transfer not available
Annual Money transfer not available

Benefits and Features

Interest free days (purchase) 56
Rewards earned on
Purchases
Balance transfers
Money transfers
Cash transfers
Money transfer available
Contactless payment
Available
Minimum payment £0.01
Maximum payment £30.00

Charges

Card fee N/A
Balance transfer fee Balance transfer not available
Cash withdrawal fee 2.99% - Min £2.99
Money transfer fee Money transfer not available
Using a card abroad
European Union 2.99%
Worldwide 2.99%

Additional Information

-
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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.

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Compare the best credit cards for poor credit

nigel woollsey

Nigel Woollsey

Online Writer

At a glance

  • Credit cards for poor credit borrowers work by offering some people a route back from debt.
  • Generally, the APR will be a lot higher than that offered by a normal credit card.
  • Providing you use your card responsibly, keeping within your credit rating and making repayments on time, your credit score will improve.
  • On some cards, your APR will reduce over time as you become considered less of a risk.

How do credit cards for poor credit work?

If you’ve got 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 repair cards are not for borrowing on

Credit cards for poor credit give you an opportunity to repair or build your credit score but, because the APR is high, you should try to avoid borrowing on them.
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 – most cards will allow you to set up a direct debit to do this.

Is a credit repair card right for me?

Credit cards for poor credit should not be looked at as a method of racking up yet more debt.  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.

You don’t have to get a credit card – some prepaid cards allow you to repair your credit score as well.  Some 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.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.

Pros and cons of credit repair credit cards

  • Although credit cards that help you to repair your credit, will usually have a lower credit limit than a normal card, it’s still a credit limit.
  • Over time you’ll be able to start improving your bad credit rating.
  • Some cards also offer rewards or cashback on spending.
  • You need to spend on the card (and pay this back) so that this is reflected in your credit rating.
  • You may end up getting into even more debt if you don’t pay the whole sum owed every month.

Moneyfacts tip

Moneyfacts tip nigel woollsey

If you can trust yourself not to give in to the temptation to spend, a bad credit 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.

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