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Compare The UK's Top Cards for People with Poor Credit

Lowest APR

aqua Classic Exclusive

aqua Classic Exclusive Image
  • 29.6% APR representative (variable) – Lowest APR for people with poor credit, exclusive to TotallyMoney.com
  • Credit limit up to £1,200
  • Could accept people with limited or no credit history

Representative Example: If you spend £1,200 at a purchase interest rate of 29.64% (variable) your representative APR will be 29.6% APR (variable)

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aqua Classic Exclusive
aqua Classic Exclusive Image
  • 29.6% APR representative (variable) – Lowest APR for people with poor credit, exclusive to TotallyMoney.com
  • Credit limit up to £1,200
  • Could accept people with limited or no credit history
Representative APR (variable)

29.6 %

Representative ExampleRepresentative ExampleThis is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.: If you spend £1,200 at a purchase interest rate of 29.64% (variable) your representative APRRepresentative APRThe annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card. Remember, 0% interest offers don't incur interest charges.  will be 29.6% APR (variable)

What's Good

  • Text reminders to pay your bill
  • Free access to your credit file, worth up tp £80 a year
  • Get a response in 60 seconds

What's Bad

  • Some customers may be offered a card with a higher APR

Top Features for aqua Classic Exclusive

  • Credit limit of up to £1,200
  • Will not accept applicants with CCJs in the last 18 months
  • Free access to your credit file worth up to £80 a year
  • Could accept people with limited or no credit history
  • APR can be between 29.6% and 49.9%

Is this the right card for you?

To get this card you must
  • Be over 18
  • Have a permanent UK address
  • Not have been registered bankrupt in the past 18 months
Will you get this card?

Find your likelihood of acceptance based on your credit file.

Check your eligibility
  • Balance Transfer OfferBalance Transfer OfferSome cards offer a special introductory interest rate on balances transferred from another credit card
    Intro RateIntro RateThe interest rate you will be charged over the balance transfer period on any balance transferred to the cardn/a
    DurationDurationThe length of time that you will be charged the introductory rate on any balance transferred to the cardn/a
    Transfer FeeTransfer FeeThe one off handling fee that you will have to pay if you transfer a balancen/a
  • Purchase OfferPurchase OfferSome cards offer a special introductory interest rate on spending on the card
    Intro RateIntro RateThe interest rate you will be charged over the purchase period on any new spending on the cardn/a
    DurationDurationThe length of time that you will be charged the introductory rate on new spendingn/a
  • Standard APRsStandard APRsThe interest rates that you will be charged on different types of borrowing after the end of any introductory offers
    Balance TransfersBalance TransfersThe interest rate that you will be charged on balance transfer after the end of any introductory offers35.94 %
    PurchasesPurchasesThe interest rate that you will be charged on new spending after the end of any introductory offers29.64 %
    Cash WithdrawalsCash WithdrawalsThe interest rate that you will be charged on any cash withdrawals you make with the card34.94 %
  • Other Key Facts
    Annual FeeAnnual FeeSome cards charge an annual fee, although the majority are fee freen/a
    Cash Advance FeesCash Advance FeesThe proportion of any cash withdrawal you make on the card that you will be charged as fee3.00 %
    Minimum Age18 years
    Minimum Incomen/a
    Overseas Transaction FeeOverseas Transaction FeeThe proportion of any overseas transaction you make on the card that you will be charged as fee2.95 %
aqua Classic
aqua Classic Image
  • Credit limit of up to £1,200
  • Unlimited access to your credit report with aqua Credit Checker, worth up to £80 a year
  • Could accept people with limited or no credit history
Representative APR (variable)

29.7 %

Representative ExampleRepresentative ExampleThis is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.: If you spend £1,200 at a purchase interest rate of 29.72% (variable) your representative APRRepresentative APRThe annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card. Remember, 0% interest offers don't incur interest charges.  will be 29.7% APR (variable)

What's Good

  • Text reminders to pay your bill
  • Free access to your credit file, worth up to £80 a year
  • Get a response in 60 seconds

What's Bad

  • Some customers may be offered a card with a higher APR

Top Features for aqua Classic

  • Credit limit of up to £1,200
  • Will not accept applicants with CCJs in the last 18 months
  • Free access to your credit file worth up to £80 a year
  • Could accept people with limited or no credit history
  • APR can be between 29.7% and 49.9%

Is this the right card for you?

To get this card you must
  • Be over 18
  • Have a permanent UK address
  • Not have been registered bankrupt in the past 18 months
Will you get this card?

Find your likelihood of acceptance based on your credit file.

Check your eligibility
  • Balance Transfer OfferBalance Transfer OfferSome cards offer a special introductory interest rate on balances transferred from another credit card
    Intro RateIntro RateThe interest rate you will be charged over the balance transfer period on any balance transferred to the cardn/a
    DurationDurationThe length of time that you will be charged the introductory rate on any balance transferred to the cardn/a
    Transfer FeeTransfer FeeThe one off handling fee that you will have to pay if you transfer a balancen/a
  • Purchase OfferPurchase OfferSome cards offer a special introductory interest rate on spending on the card
    Intro RateIntro RateThe interest rate you will be charged over the purchase period on any new spending on the cardn/a
    DurationDurationThe length of time that you will be charged the introductory rate on new spendingn/a
  • Standard APRsStandard APRsThe interest rates that you will be charged on different types of borrowing after the end of any introductory offers
    Balance TransfersBalance TransfersThe interest rate that you will be charged on balance transfer after the end of any introductory offers29.71 %
    PurchasesPurchasesThe interest rate that you will be charged on new spending after the end of any introductory offers29.72 %
    Cash WithdrawalsCash WithdrawalsThe interest rate that you will be charged on any cash withdrawals you make with the card39.94 %
  • Other Key Facts
    Annual FeeAnnual FeeSome cards charge an annual fee, although the majority are fee freen/a
    Cash Advance FeesCash Advance FeesThe proportion of any cash withdrawal you make on the card that you will be charged as fee3.00 %
    Minimum Age18 years
    Minimum Incomen/a
    Overseas Transaction FeeOverseas Transaction FeeThe proportion of any overseas transaction you make on the card that you will be charged as fee2.95 %
Aquis Visa Card
Aquis Visa Card Image
  • Initial credit limit up to £1,000
  • Credit limits can increase every 4 months up to £3,000
  • APR can be between 29.8% and 59.9%
Representative APR (variable)

29.8 %

Representative ExampleRepresentative ExampleThis is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.: If you spend £1,000 at a purchase interest rate of 29.84% (variable) your representative APRRepresentative APRThe annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card. Remember, 0% interest offers don't incur interest charges.  will be 29.8% APR (variable)

What's Good

  • One of the lowest APRs for people with lower credit ratings

What's Bad

  • Some customers may be offered a card with a higher APR
  • Not available to existing Vanquis customers or people who have been rejected in the last 6 months

Top Features for Aquis Visa Card

  • Initial credit limit up to £1,000
  • Credit limits can increase every 4 months up to £3,000 subject to terms and conditions
  • APR can be between 29.8% and 59.9%
  • Credit is provided by Vanquis Bank Limited

Is this the right card for you?

To get this card you must
  • Be over 18
  • Be a UK resident
  • Not be bankrupt
  • Not have a credit card issued by Vanquis Bank
  • Not have been declined for an Aquis, Vanquis or Granite card in the past six months
Will you get this card?

Find your likelihood of acceptance based on your credit file.

Check your eligibility
  • Balance Transfer OfferBalance Transfer OfferSome cards offer a special introductory interest rate on balances transferred from another credit card
    Intro RateIntro RateThe interest rate you will be charged over the balance transfer period on any balance transferred to the cardn/a
    DurationDurationThe length of time that you will be charged the introductory rate on any balance transferred to the cardn/a
    Transfer FeeTransfer FeeThe one off handling fee that you will have to pay if you transfer a balancen/a
  • Purchase OfferPurchase OfferSome cards offer a special introductory interest rate on spending on the card
    Intro RateIntro RateThe interest rate you will be charged over the purchase period on any new spending on the cardn/a
    DurationDurationThe length of time that you will be charged the introductory rate on new spendingn/a
  • Standard APRsStandard APRsThe interest rates that you will be charged on different types of borrowing after the end of any introductory offers
    Balance TransfersBalance TransfersThe interest rate that you will be charged on balance transfer after the end of any introductory offersn/a
    PurchasesPurchasesThe interest rate that you will be charged on new spending after the end of any introductory offers29.84 %
    Cash WithdrawalsCash WithdrawalsThe interest rate that you will be charged on any cash withdrawals you make with the card39.94 %
  • Other Key Facts
    Annual FeeAnnual FeeSome cards charge an annual fee, although the majority are fee freen/a
    Cash Advance FeesCash Advance FeesThe proportion of any cash withdrawal you make on the card that you will be charged as fee3.00 %
    Minimum Age18 years
    Minimum Incomen/a
    Overseas Transaction FeeOverseas Transaction FeeThe proportion of any overseas transaction you make on the card that you will be charged as fee2.99 %
Capital One Classic Platinum
Capital One Classic Platinum Image
  • Credit limit of up to £1,500
  • Designed to help you build your credit history
  • One interest rate for all transactions
Representative APR (variable)

29.8 %

Representative ExampleRepresentative ExampleThis is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.: If you spend £1,200 at a purchase interest rate of 29.84% (variable) your representative APRRepresentative APRThe annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card. Remember, 0% interest offers don't incur interest charges.  will be 29.8% APR (variable)

What's Good

  • Credit limit can range from £200 to £1,500
  • Designed to help you improve your credit score, with email alerts to help you stay in control
  • Lower rate of 29.8%APR compared to other credit builder cards, but pay off in full each month to avoid paying interest
  • Get a response in 60 seconds

What's Bad

  • You must have had credit in the UK before to be eligible for this card

Top Features for Capital One Classic Platinum

  • Credit limits of £200 to £1,500
  • Designed for people with poor credit ratings and CCJs
  • Get a response to your application in 60 seconds

Is this the right card for you?

To get this card you must
  • Be over 18
  • Have some history of managing credit
  • Not have been registered bankrupt in the past 12 months
Will you get this card?

Find your likelihood of acceptance based on your credit file.

Check your eligibility
  • Balance Transfer OfferBalance Transfer OfferSome cards offer a special introductory interest rate on balances transferred from another credit card
    Intro RateIntro RateThe interest rate you will be charged over the balance transfer period on any balance transferred to the cardn/a
    DurationDurationThe length of time that you will be charged the introductory rate on any balance transferred to the cardn/a
    Transfer FeeTransfer FeeThe one off handling fee that you will have to pay if you transfer a balancen/a
  • Purchase OfferPurchase OfferSome cards offer a special introductory interest rate on spending on the card
    Intro RateIntro RateThe interest rate you will be charged over the purchase period on any new spending on the cardn/a
    DurationDurationThe length of time that you will be charged the introductory rate on new spendingn/a
  • Standard APRsStandard APRsThe interest rates that you will be charged on different types of borrowing after the end of any introductory offers
    Balance TransfersBalance TransfersThe interest rate that you will be charged on balance transfer after the end of any introductory offers29.84 %
    PurchasesPurchasesThe interest rate that you will be charged on new spending after the end of any introductory offers29.84 %
    Cash WithdrawalsCash WithdrawalsThe interest rate that you will be charged on any cash withdrawals you make with the card29.84 %
  • Other Key Facts
    Annual FeeAnnual FeeSome cards charge an annual fee, although the majority are fee freen/a
    Cash Advance FeesCash Advance FeesThe proportion of any cash withdrawal you make on the card that you will be charged as fee3.00 %
    Minimum Age18 years
    Minimum Incomen/a
    Overseas Transaction FeeOverseas Transaction FeeThe proportion of any overseas transaction you make on the card that you will be charged as fee2.75 %
Barclaycard Initial
Barclaycard Initial Image
  • Credit limits of up to £1,200
  • Pay 0% interest on purchases for 3 months
  • For people with lower credit ratings or new to credit
Representative APR (variable)

34.9 %

Representative ExampleRepresentative ExampleThis is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.: If you spend £1,200 at a purchase interest rate of 34.9% (variable) your representative APRRepresentative APRThe annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card. Remember, 0% interest offers don't incur interest charges.  will be 34.9% APR (variable)

What's Good

  • Designed for people with little or no experience of managing credit
  • Excellent online account management functionality
  • Pay no interest on any new spending for 3 months
  • Special offer until the 18th December - £20 cashback after 3 months if you make your minimum payments on time and don’t go over your credit limit

What's Bad

  • Offer not available to existing Barclaycard customers
  • No online application for people who've been in the UK for less than two years

Top Features for Barclaycard Initial

  • For people with lower credit ratings or no credit history in the UK
  • 0% on new purchases for 3 months
  • Contactless technology for transactions under £20
  • No online application for people who've been in the UK for less than two years

Is this the right card for you?

To get this card you must
  • Be over 18
  • Be a resident in the UK
  • Have no more than one CCJ registered against you
  • Not already have a Barclaycard credit card
  • Have lived at your current address for at least three months
  • Not have recently missed a bill payment
Will you get this card?

Find your likelihood of acceptance based on your credit file.

Check your eligibility
  • Balance Transfer OfferBalance Transfer OfferSome cards offer a special introductory interest rate on balances transferred from another credit card
    Intro RateIntro RateThe interest rate you will be charged over the balance transfer period on any balance transferred to the cardn/a
    DurationDurationThe length of time that you will be charged the introductory rate on any balance transferred to the cardn/a
    Transfer FeeTransfer FeeThe one off handling fee that you will have to pay if you transfer a balancen/a
  • Purchase OfferPurchase OfferSome cards offer a special introductory interest rate on spending on the card
    Intro RateIntro RateThe interest rate you will be charged over the purchase period on any new spending on the cardn/a
    DurationDurationThe length of time that you will be charged the introductory rate on new spending3 months
  • Standard APRsStandard APRsThe interest rates that you will be charged on different types of borrowing after the end of any introductory offers
    Balance TransfersBalance TransfersThe interest rate that you will be charged on balance transfer after the end of any introductory offers34.90 %
    PurchasesPurchasesThe interest rate that you will be charged on new spending after the end of any introductory offers34.90 %
    Cash WithdrawalsCash WithdrawalsThe interest rate that you will be charged on any cash withdrawals you make with the card34.90 %
  • Other Key Facts
    Annual FeeAnnual FeeSome cards charge an annual fee, although the majority are fee freen/a
    Cash Advance FeesCash Advance FeesThe proportion of any cash withdrawal you make on the card that you will be charged as fee2.99 %
    Minimum Age18 years
    Minimum Income£3,000
    Overseas Transaction FeeOverseas Transaction FeeThe proportion of any overseas transaction you make on the card that you will be charged as fee2.99 %
Capital One Classic Extra
Capital One Classic Extra Image
  • 0.5% cashback on all purchases
  • Earn a £10 annual bonus for paying on time each month
  • Maximum credit limit of £1,500
Representative APR (variable)

34.9 %

Representative ExampleRepresentative ExampleThis is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.: If you spend £1,200 at a purchase interest rate of 34.94% (variable) your representative APRRepresentative APRThe annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card. Remember, 0% interest offers don't incur interest charges.  will be 34.9% APR (variable)

What's Good

  • 0.5% cashback on all purchases
  • Earn a £10 annual reward if you repay your balance on time each month

What's Bad

  • Standard rate of 34.9% APR, don’t build up an interest-bearing balance it will wipe out the benefits of cashback
  • Maximum credit limit £1,500

Top Features for Capital One Classic Extra

  • 0.5% cashback on all purchases
  • 34.94% APR applies to purchases, cash withdrawals and balance transfers
  • Maximum credit limit £1,500

Is this the right card for you?

To get this card you must
  • Be over 18
  • Have some history of managing credit
  • Not have been registered bankrupt in the past 12 months
Will you get this card?

Find your likelihood of acceptance based on your credit file.

Check your eligibility
  • Balance Transfer OfferBalance Transfer OfferSome cards offer a special introductory interest rate on balances transferred from another credit card
    Intro RateIntro RateThe interest rate you will be charged over the balance transfer period on any balance transferred to the cardn/a
    DurationDurationThe length of time that you will be charged the introductory rate on any balance transferred to the cardn/a
    Transfer FeeTransfer FeeThe one off handling fee that you will have to pay if you transfer a balancen/a
  • Purchase OfferPurchase OfferSome cards offer a special introductory interest rate on spending on the card
    Intro RateIntro RateThe interest rate you will be charged over the purchase period on any new spending on the cardn/a
    DurationDurationThe length of time that you will be charged the introductory rate on new spendingn/a
  • Standard APRsStandard APRsThe interest rates that you will be charged on different types of borrowing after the end of any introductory offers
    Balance TransfersBalance TransfersThe interest rate that you will be charged on balance transfer after the end of any introductory offers34.94 %
    PurchasesPurchasesThe interest rate that you will be charged on new spending after the end of any introductory offers34.94 %
    Cash WithdrawalsCash WithdrawalsThe interest rate that you will be charged on any cash withdrawals you make with the card34.94 %
  • Other Key Facts
    Annual FeeAnnual FeeSome cards charge an annual fee, although the majority are fee freen/a
    Cash Advance FeesCash Advance FeesThe proportion of any cash withdrawal you make on the card that you will be charged as fee3.00 %
    Minimum Age18 years
    Minimum Incomen/a
    Overseas Transaction FeeOverseas Transaction FeeThe proportion of any overseas transaction you make on the card that you will be charged as fee2.75 %
aqua Advance
aqua Advance Image
  • Could reduce interest rates to 19.9% in 3 years
  • Unlimited access to your credit report with aqua Credit Checker, worth up to £80 a year
  • Credit limit of up to £1,200
Representative APR (variable)

34.9 %

Representative ExampleRepresentative ExampleThis is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.: If you spend £1,200 at a purchase interest rate of 34.91% (variable) your representative APRRepresentative APRThe annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card. Remember, 0% interest offers don't incur interest charges.  will be 34.9% APR (variable)

What's Good

  • Use the card correctly and your APR will decrease
  • Free access to your credit file, worth up to £80 a year
  • 0% fees for overseas spending
  • Get a response in 60 seconds

What's Bad

  • Some customers may be offered a card with a higher APR

Top Features for aqua Advance

  • Could reduce interest rates to 19.9% in 3 years
  • No fees for overseas usage
  • Credit limit of up to £1,200
  • Could accept people with limited or no credit history
  • APR can be between 34.9% and 49.9%

Is this the right card for you?

To get this card you must
  • Be over 18
  • Have a permanent UK address
  • Not have been registered bankrupt in the past 18 months
Will you get this card?

Find your likelihood of acceptance based on your credit file.

Check your eligibility
  • Balance Transfer OfferBalance Transfer OfferSome cards offer a special introductory interest rate on balances transferred from another credit card
    Intro RateIntro RateThe interest rate you will be charged over the balance transfer period on any balance transferred to the cardn/a
    DurationDurationThe length of time that you will be charged the introductory rate on any balance transferred to the cardn/a
    Transfer FeeTransfer FeeThe one off handling fee that you will have to pay if you transfer a balancen/a
  • Purchase OfferPurchase OfferSome cards offer a special introductory interest rate on spending on the card
    Intro RateIntro RateThe interest rate you will be charged over the purchase period on any new spending on the cardn/a
    DurationDurationThe length of time that you will be charged the introductory rate on new spendingn/a
  • Standard APRsStandard APRsThe interest rates that you will be charged on different types of borrowing after the end of any introductory offers
    Balance TransfersBalance TransfersThe interest rate that you will be charged on balance transfer after the end of any introductory offers34.92 %
    PurchasesPurchasesThe interest rate that you will be charged on new spending after the end of any introductory offers34.91 %
    Cash WithdrawalsCash WithdrawalsThe interest rate that you will be charged on any cash withdrawals you make with the card34.92 %
  • Other Key Facts
    Annual FeeAnnual FeeSome cards charge an annual fee, although the majority are fee freen/a
    Cash Advance FeesCash Advance FeesThe proportion of any cash withdrawal you make on the card that you will be charged as fee3.00 %
    Minimum Age18 years
    Minimum Incomen/a
    Overseas Transaction FeeOverseas Transaction FeeThe proportion of any overseas transaction you make on the card that you will be charged as feen/a
aqua Reward
aqua Reward Image
  • Get 0.5% cashback on all purchases
  • No fees for overseas usage
  • Credit limit of up to £1,200
Representative APR (variable)

34.9 %

Representative ExampleRepresentative ExampleThis is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.: If you spend £1,200 at a purchase interest rate of 34.91% (variable) your representative APRRepresentative APRThe annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card. Remember, 0% interest offers don't incur interest charges.  will be 34.9% APR (variable)

What's Good

  • No fees on overseas spending & competitive exchange rates
  • Free access to your credit file, worth up to £80 a year
  • 0.5% cashback on all spending

What's Bad

  • Standard purchase rate of 34.9%APR
  • Some customers may be offered a card with a higher APR

Top Features for aqua Reward

  • Get 0.5% cashback on all purchases
  • No fees for overseas usage
  • Credit limit of up to £1,200
  • Could accept people with limited or no credit history
  • APR can be between 34.9% and 49.9%

Is this the right card for you?

To get this card you must
  • Be over 18
  • Have a permanent UK address
  • Not have been registered bankrupt in the past 18 months
Will you get this card?

Find your likelihood of acceptance based on your credit file.

Check your eligibility
  • Balance Transfer OfferBalance Transfer OfferSome cards offer a special introductory interest rate on balances transferred from another credit card
    Intro RateIntro RateThe interest rate you will be charged over the balance transfer period on any balance transferred to the cardn/a
    DurationDurationThe length of time that you will be charged the introductory rate on any balance transferred to the cardn/a
    Transfer FeeTransfer FeeThe one off handling fee that you will have to pay if you transfer a balancen/a
  • Purchase OfferPurchase OfferSome cards offer a special introductory interest rate on spending on the card
    Intro RateIntro RateThe interest rate you will be charged over the purchase period on any new spending on the cardn/a
    DurationDurationThe length of time that you will be charged the introductory rate on new spendingn/a
  • Standard APRsStandard APRsThe interest rates that you will be charged on different types of borrowing after the end of any introductory offers
    Balance TransfersBalance TransfersThe interest rate that you will be charged on balance transfer after the end of any introductory offers34.92 %
    PurchasesPurchasesThe interest rate that you will be charged on new spending after the end of any introductory offers34.91 %
    Cash WithdrawalsCash WithdrawalsThe interest rate that you will be charged on any cash withdrawals you make with the card39.95 %
  • Other Key Facts
    Annual FeeAnnual FeeSome cards charge an annual fee, although the majority are fee freen/a
    Cash Advance FeesCash Advance FeesThe proportion of any cash withdrawal you make on the card that you will be charged as fee3.00 %
    Minimum Age18 years
    Minimum Incomen/a
    Overseas Transaction FeeOverseas Transaction FeeThe proportion of any overseas transaction you make on the card that you will be charged as feen/a
Capital One Classic
Capital One Classic Image
  • Specifically designed for people with bad credit
  • Credit limits up to £1,500
  • Get a response to your application in 60 seconds
Representative APR (variable)

34.9 %

Representative ExampleRepresentative ExampleThis is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.: If you spend £1,200 at a purchase interest rate of 34.94% (variable) your representative APRRepresentative APRThe annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card. Remember, 0% interest offers don't incur interest charges.  will be 34.9% APR (variable)

What's Good

  • Get a response in 60 seconds
  • Credit limits up to £1,500 - one of the highest initial credit limits available in this section of the market

What's Bad

  • Not designed for people who've never had credit before

Top Features for Capital One Classic

  • Credit limits range from £200 to £1,500
  • Designed for people with poor credit ratings including those with past CCJs
  • Get a response to your application in 60 seconds
  • Get up to two credit limit increases each year

Is this the right card for you?

To get this card you must
  • Be over 18
  • Have some history of managing credit in the UK
  • Not have been registered bankrupt in the past 12 months
Will you get this card?

Find your likelihood of acceptance based on your credit file.

Check your eligibility
  • Balance Transfer OfferBalance Transfer OfferSome cards offer a special introductory interest rate on balances transferred from another credit card
    Intro RateIntro RateThe interest rate you will be charged over the balance transfer period on any balance transferred to the cardn/a
    DurationDurationThe length of time that you will be charged the introductory rate on any balance transferred to the cardn/a
    Transfer FeeTransfer FeeThe one off handling fee that you will have to pay if you transfer a balancen/a
  • Purchase OfferPurchase OfferSome cards offer a special introductory interest rate on spending on the card
    Intro RateIntro RateThe interest rate you will be charged over the purchase period on any new spending on the cardn/a
    DurationDurationThe length of time that you will be charged the introductory rate on new spendingn/a
  • Standard APRsStandard APRsThe interest rates that you will be charged on different types of borrowing after the end of any introductory offers
    Balance TransfersBalance TransfersThe interest rate that you will be charged on balance transfer after the end of any introductory offers34.94 %
    PurchasesPurchasesThe interest rate that you will be charged on new spending after the end of any introductory offers34.94 %
    Cash WithdrawalsCash WithdrawalsThe interest rate that you will be charged on any cash withdrawals you make with the card34.94 %
  • Other Key Facts
    Annual FeeAnnual FeeSome cards charge an annual fee, although the majority are fee freen/a
    Cash Advance FeesCash Advance FeesThe proportion of any cash withdrawal you make on the card that you will be charged as fee3.00 %
    Minimum Age18 years
    Minimum Incomen/a
    Overseas Transaction FeeOverseas Transaction FeeThe proportion of any overseas transaction you make on the card that you will be charged as fee2.75 %
granite Credit Card
granite Credit Card Image
  • For people with a poor credit rating, including those with past CCJs
  • Initial credit limits up to £1,000
  • Credit limits can increase every 4 months up to a maximum of £3,000
Representative APR (variable)

34.9 %

Representative ExampleRepresentative ExampleThis is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.: If you spend £1,000 at a purchase interest rate of 34.96% (variable) your representative APRRepresentative APRThe annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card. Remember, 0% interest offers don't incur interest charges.  will be 34.9% APR (variable)

What's Good

  • Credit limits can increase every 4 months up to a maximum of £3,000

What's Bad

  • Not available to existing Vanquis customers or people who have been recently rejected

Top Features for granite Credit Card

  • For people with a poor credit rating, including those with past CCJs
  • Initial credit limits of up to £1,000
  • Credit limits can increase every 4 months up to a maximum of £3,000 subject to terms and conditions
  • Credit is provided by Vanquis Bank Limited

Is this the right card for you?

To get this card you must
  • Be over 18
  • Be a UK resident
  • Not be bankrupt
  • Not already have a credit card issued by Vanquis Bank
  • Not have been declined for an Aquis, Vanquis or Granite card in the past six months
Will you get this card?

Find your likelihood of acceptance based on your credit file.

Check your eligibility
  • Balance Transfer OfferBalance Transfer OfferSome cards offer a special introductory interest rate on balances transferred from another credit card
    Intro RateIntro RateThe interest rate you will be charged over the balance transfer period on any balance transferred to the cardn/a
    DurationDurationThe length of time that you will be charged the introductory rate on any balance transferred to the cardn/a
    Transfer FeeTransfer FeeThe one off handling fee that you will have to pay if you transfer a balancen/a
  • Purchase OfferPurchase OfferSome cards offer a special introductory interest rate on spending on the card
    Intro RateIntro RateThe interest rate you will be charged over the purchase period on any new spending on the cardn/a
    DurationDurationThe length of time that you will be charged the introductory rate on new spendingn/a
  • Standard APRsStandard APRsThe interest rates that you will be charged on different types of borrowing after the end of any introductory offers
    Balance TransfersBalance TransfersThe interest rate that you will be charged on balance transfer after the end of any introductory offersn/a
    PurchasesPurchasesThe interest rate that you will be charged on new spending after the end of any introductory offers34.96 %
    Cash WithdrawalsCash WithdrawalsThe interest rate that you will be charged on any cash withdrawals you make with the card44.95 %
  • Other Key Facts
    Annual FeeAnnual FeeSome cards charge an annual fee, although the majority are fee freen/a
    Cash Advance FeesCash Advance FeesThe proportion of any cash withdrawal you make on the card that you will be charged as fee3.00 %
    Minimum Age18 years
    Minimum Incomen/a
    Overseas Transaction FeeOverseas Transaction FeeThe proportion of any overseas transaction you make on the card that you will be charged as fee2.99 %
Luma
Luma Image
  • Credit limits of up to £1,500
  • Get a response in 60 seconds
  • Specifically designed for people with bad credit
Representative APR (variable)

35.9 %

Representative ExampleRepresentative ExampleThis is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.: If you spend £1,200 at a purchase interest rate of 35.94% (variable) your representative APRRepresentative APRThe annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card. Remember, 0% interest offers don't incur interest charges.  will be 35.9% APR (variable)

What's Good

  • Credit limits of up to £1,500 - one of the highest credit limits in this section of the market
  • Get a response in 60 seconds

What's Bad

  • High APR of 35.9%

Top Features for Luma

  • One of the highest credit limits available for users with poor credit
  • Get a response in 60 seconds
  • Automated fraud alerts and free identity theft support

Is this the right card for you?

To get this card you must
  • Be over 18
  • Have some history of managing credit
  • Not have been registered bankrupt in the past 12 months
  • Not already have a Luma card
Will you get this card?

Find your likelihood of acceptance based on your credit file.

Check your eligibility
  • Balance Transfer OfferBalance Transfer OfferSome cards offer a special introductory interest rate on balances transferred from another credit card
    Intro RateIntro RateThe interest rate you will be charged over the balance transfer period on any balance transferred to the cardn/a
    DurationDurationThe length of time that you will be charged the introductory rate on any balance transferred to the cardn/a
    Transfer FeeTransfer FeeThe one off handling fee that you will have to pay if you transfer a balancen/a
  • Purchase OfferPurchase OfferSome cards offer a special introductory interest rate on spending on the card
    Intro RateIntro RateThe interest rate you will be charged over the purchase period on any new spending on the cardn/a
    DurationDurationThe length of time that you will be charged the introductory rate on new spendingn/a
  • Standard APRsStandard APRsThe interest rates that you will be charged on different types of borrowing after the end of any introductory offers
    Balance TransfersBalance TransfersThe interest rate that you will be charged on balance transfer after the end of any introductory offers35.94 %
    PurchasesPurchasesThe interest rate that you will be charged on new spending after the end of any introductory offers35.94 %
    Cash WithdrawalsCash WithdrawalsThe interest rate that you will be charged on any cash withdrawals you make with the card35.94 %
  • Other Key Facts
    Annual FeeAnnual FeeSome cards charge an annual fee, although the majority are fee freen/a
    Cash Advance FeesCash Advance FeesThe proportion of any cash withdrawal you make on the card that you will be charged as fee3.00 %
    Minimum Age18 years
    Minimum Incomen/a
    Overseas Transaction FeeOverseas Transaction FeeThe proportion of any overseas transaction you make on the card that you will be charged as fee2.75 %
Vanquis Credit Card
Vanquis Credit Card Image
  • Specifically designed for people with poor credit
  • Initial credit limit up to £1,000, can extend every 4 months up to £3,000
  • APR can be between 39.9% and 59.9%
Representative APR (variable)

39.9 %

Representative ExampleRepresentative ExampleThis is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.: If you spend £1,000 at a purchase interest rate of 39.94% (variable) your representative APRRepresentative APRThe annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card. Remember, 0% interest offers don't incur interest charges.  will be 39.9% APR (variable)

What's Good

  • Specifically designed for people with poor credit

What's Bad

  • Some customers may be offered a card with a higher APR
  • Not available to existing Vanquis customers or people who have been rejected in the last 6 months

Top Features for Vanquis Credit Card

  • Specifically designed for people with poor credit
  • Credit limit of up to £1,000
  • Get credit limit increases every fourth statement up to £3,000
  • Must repay on time each month and not exceed your initial credit limit in order to qualify for a credit limit increase
  • APR can be between 39.9% and 59.9%

Is this the right card for you?

To get this card you must
  • Be over 18
  • Be a UK resident
  • Not be bankrupt
  • Not have a credit card issued by Vanquis Bank
  • Not have been declined for an Aquis, Vanquis or Granite card in the past six months
Will you get this card?

Find your likelihood of acceptance based on your credit file.

Check your eligibility
  • Balance Transfer OfferBalance Transfer OfferSome cards offer a special introductory interest rate on balances transferred from another credit card
    Intro RateIntro RateThe interest rate you will be charged over the balance transfer period on any balance transferred to the cardn/a
    DurationDurationThe length of time that you will be charged the introductory rate on any balance transferred to the cardn/a
    Transfer FeeTransfer FeeThe one off handling fee that you will have to pay if you transfer a balancen/a
  • Purchase OfferPurchase OfferSome cards offer a special introductory interest rate on spending on the card
    Intro RateIntro RateThe interest rate you will be charged over the purchase period on any new spending on the cardn/a
    DurationDurationThe length of time that you will be charged the introductory rate on new spendingn/a
  • Standard APRsStandard APRsThe interest rates that you will be charged on different types of borrowing after the end of any introductory offers
    Balance TransfersBalance TransfersThe interest rate that you will be charged on balance transfer after the end of any introductory offersn/a
    PurchasesPurchasesThe interest rate that you will be charged on new spending after the end of any introductory offers39.94 %
    Cash WithdrawalsCash WithdrawalsThe interest rate that you will be charged on any cash withdrawals you make with the card49.94 %
  • Other Key Facts
    Annual FeeAnnual FeeSome cards charge an annual fee, although the majority are fee freen/a
    Cash Advance FeesCash Advance FeesThe proportion of any cash withdrawal you make on the card that you will be charged as fee3.00 %
    Minimum Age18 years
    Minimum Incomen/a
    Overseas Transaction FeeOverseas Transaction FeeThe proportion of any overseas transaction you make on the card that you will be charged as fee2.99 %

What our customers say

It's so simple. After entering a few basic details, I was shown which cards would be most likely to accept me. I applied for the one at the top of the list and was accepted immediately.

Sam, Sheffield

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In the past 30 days, we helped 142, 649 people compare cards

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Credit Cards: a quick guide

  • Choose the right credit card: a quick start

    Balance transfer credit cards

    If you're paying interest on an existing credit card balance, you could move it to a balance transfer card and take advantage of the 0% interest offer period to tackle your debts. There will be a 2–3% fee to pay when you initially move the money. Some of the longer deals have higher fees, so you might be able to save more by going for a shorter 0% period with a lower transfer fee. Our balance transfer calculator will help you find the card that will save you the most money and show you your likelihood of being accepted. Avoid spending on a balance transfer card as you will pay interest on the spending on purchases.

    Learn how to save money with a balance transfer card

    Purchase credit cards

    This card allows you to spread the cost of a large, planned purchase over several months – you pay no interest on your spending during the introductory period so long as you make the minimum repayment each month. But make sure the balance is paid off, or moved to a balance transfer card, before the 0% period runs out, or you'll end up paying a high standard rate of interest that will quickly wipe out the initial benefit.

    Spread your costs without paying interest with a 0% purchase card

    Balance transfer and purchase credit cards

    If you're carrying debt on a credit card and want to spread the cost of a large one-off purchase then this could be an option. However, the rates on offer tend not to be as good as those you could get from having separate balance transfer and purchase cards.

    Find out how to make the most of a combined credit card

    Cashback credit cards

    If you always clear your balance each month, a cashback credit card rewards you by giving you 1%-5% of your spending back. Don't build up debt on this card as high interest rates will rapidly wipe out any earnings.

    Earn when you spend with a cashback card

    Rewards credit cards

    An alternative option for people who pay off their balance in full each month,these credit cards allow you to earn points that you can use to buy flight tickets with.

    Getting the most from your rewards credit card

    Store cards

    These credit cards, offered at the till in various stores with introductory offers such as 10% off your shop that day, usually come with an extortionate rate of interest, so it's best to say no.

    Charity credit cards

    Although spending money on a credit card that earns a percentage for your favourite cause seems like a great idea, the amount the charity receives is typically only 25p for every £100 you spend — that’s a pitiful cashback rate of 0.25%. Better to donate all the money you earn from using a standard cashback credit card to charity and give about £1 of every £100 you spend.

    Why you should dump your charity credit card

    Overseas spending

    If you use a standard credit card abroad you will pay an additional fee, typically about 3%, on every transaction. But with overseas spending credit cards these fees are much lower, or waived entirely, and that means cheaper holiday spending for you.

    Find the best card for overseas spending

  • The five fundamentals of building good credit

    Follow these five rules to get the most from your credit card and build a first-class credit rating.

    • Set up a direct debit to avoid missed payments

      The number one rule of good credit is never to miss a payment. So, set up a direct debit for at least the minimum payment to ensure you always pay on time. This way you avoid penalties, additional interest charges and the possibility of losing any 0% deals.

       How to avoid the minimum repayments trap

    • Limit your credit applications

      Every time you apply for a credit card a credit check is run and recorded on your credit file. Too many checks in too short a time is a red flag for lenders as they can see you as desperate for money. Our eligibility check will tell you which credit cards are most likely to accept your application without leaving a footprint on your credit record.

       Learn more about your credit score

    • Use your credit card

      Using your card and paying off the balance responsibly will help build a stronger credit record, and give you to access better deals and interest rates in the future.

       Make the most of your credit card

    • Cancel unused credit cards

      Lenders base their decision in part on the total available credit that you have access to, and that will include credit limits on unused cards. So eliminate any excess by contacting the providers to cancel the cards - don't just cut them up, that won't help your credit file.

    • Understand your deal

      Get to know your credit card intimately — understand the interest rates and fees that apply, and set a reminder in your diary for at least six weeks before any 0% deal is due to end. This will help you avoid any penalties.

  • How to protect your credit rating

    Seven million consumers are declined for credit every year, which has a negative effect on their credit rating. Comparing credit cards with TotallyMoney.com can protect you from this.

    Our eligibility check shows you the cards you’re most likely to be accepted for BEFORE you apply. We’ll never compromise your credit record or leave a mark on it that lenders can see.

    Double your chances of acceptance

    In Jan-Jul 2014, customers who used our eligibility check service to run a full credit card comparison saw a 114% higher acceptance rate.

Your Money, Your Life

Insights, calculators and updates to help you navigate your personal finance landscape

Credit Card Comparison Made Simple

Double your chances of acceptance using our free eligibility check

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