As featured in

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)

Start by checking your chances of approval

Check your eligibility

It's fast, free, secure and will not affect your credit rating

12 cards

Don't Get Rejected for your Next Card

Use our free eligibility check before you apply

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

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

Fast and easy, great service, would recommend this to anyone.

Jamie, Liverpool

Great comparison site. Simple explanation, easy to apply. I would definitely recommend this site to friends and family.

Sarah, London

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

Treating Customers fairly

We believe technology can drive a fairer credit market and better outcomes for consumers. By using pre-screening and other technologies we offer accurate, impartial comparison tools and credit products.

Expert

Credit comparison is all we do. Unlike other comparison sites, we’re 100% focused on credit comparison, which is why we do it so well.

Simple

See your results displayed in tables tailored to your needs. Our comparison page lets you compare products quickly and easily and find the best credit card for the best value.

100% free

You won’t have to pay a penny to use our credit card comparison service. You can compare cards in seconds and you won’t be hit by hidden charges.

Unbiased

When you compare products on our website, your results will be based entirely on which cards suit your needs. Providers can’t ever pay us to appear higher in the card rankings.

Credit Cards: a quick guide

  • Choose the right credit card: a quick start

    Balance transfer credit cards

    Getting a balance transfer card can help you to manage your debts. You can move an existing credit card balance onto the balance transfer card and make the most of the 0% interest offer period. When you first move the amount over you will have to pay a fee of 2–3%, although a longer deal may incur higher fees. The best idea might be to choose a card with a smaller transfer fee, but a shorter 0% period. Use our calculator to see which card could save you the most cash and also find out how likely you are to be accepted. Balance transfer cards aren’t designed for purchasing – if you use them in this way, you’ll pay interest on the money you spend.

    Find out how you could save money with a balance transfer card

    Purchase credit cards

    If you need to make a large purchase, this type of card can help you to spread the cost over several months. The cards offer you an introductory period, during which time you don’t pay any interest on your spending, as long as you make the minimum repayment each month. By the time the 0% interest period finishes, you should pay off the balance or move the amount onto a balance transfer card, because the subsequent interest rate could be very high.

    Use a 0% purchase card to spread your costs without paying interest

    Balance transfer and purchase credit cards

    You can use this kind of card if you have debt on a credit card and want to spread the cost of a single large purchase. Bear in mind, though, that you could get a better rate from separate balance transfer and purchase cards.

    Find out how to take advantage of a combined credit card

    Cashback credit cards

    A cashback credit card can reward you for paying off your balance each month by giving you back 1% to 5% of the amount you’ve spent. However, these cards have high interest rates, so you should only use them if you clear your balance each month.

    Get a cashback card and earn as you spend

    Rewards credit cards

    Similar to a cashback card, these credit cards offer rewards if you pay off your full balance each month. Instead of giving you money back, these cards let you earn points that can be used to buy things like flight tickets.

    How to get the most from your rewards credit card

    Store cards

    Lots of shops will offer you a store card at the till and they might tempt you with an introductory offer such as a discount on what you’re buying at the time. These cards usually have an extremely high rate of interest, so it’s best to turn them down.

    Charity credit cards

    These credit cards offer the opportunity to give a percentage of the money you spend to a charity of your choice. Although this sounds like a good idea, the charity often receives as little as 25p for every £100 spent. This is a very poor cashback rate of 0.25%. Consider using a regular cashback credit card, and giving the money that you earn to charity. This could mean a much better donation rate of around £1 for every £100 spent.

    Why your charity credit card probably isn't worth it

    Overseas spending

    Using your regular credit card abroad will mean that you pay an extra fee of around 3% on every purchase you make. For cheaper holiday spending, consider an overseas spending credit card, which will offer you a lower fee or no fee at all.

    Find the best card for spending abroad

  • The five fundamentals of building good credit

    These five golden rules can help you make the most of your credit card and build up your credit rating.

    • Set up a direct debit to avoid missed payments

      To build a good credit score, the most important thing is to never miss a payment. You should set up a direct debit so that at least the minimum payment is always paid on time. This helps you to avoid penalties and extra interest charges, and helps to keep your credit score healthy.

       Avoiding the trap of minimum repayments

    • Limit your credit applications

      If you apply for lots of credit over a short period of time, this will hit your credit rating hard. A credit check is run by the lender each time you make an application and it’s recorded on your file. Lenders will think that you’re desperate for money if they can see lots of checks on your record. Try our eligibility checker to see which cards are most likely to accept your application, without leaving a mark that is visible to lenders on your credit file.

       Find out more about your credit score

    • Use your credit card

      If you have a credit card and use it sensibly by paying off the balance each month, this can boost your credit record. This means you could be able to get better deals and interest rates in the future.

       Making the most of your credit card

    • Cancel unused credit cards

      Don’t just cut up any old cards – contact your providers and make sure they’re officially cancelled. This can help your credit rating as lenders base their decisions partly on the total amount of credit you have access to, including credit limits on unused cards.

    • Understand your deal

      Make sure that you know the interest rates and fees that apply to your credit card. It’s a good idea to set a reminder in your diary or phone, so that six weeks before a 0% deal is due to end you get a warning. This can help you to avoid penalties.

  • How to protect your credit rating

    Seven million people’s credit applications are turned down each year, which negatively impacts their credit score. You can avoid the cycle of credit declines by comparing cards using TotallyMoney.com.

    With our eligibility checker, you can see which cards are most likely to accept your application before you apply. This protects your credit score, and doesn’t leave a footprint that can be seen by lenders.

    Double your chances of acceptance

    Customers who used our eligibility check service for a full credit card comparison experienced a 114% higher credit acceptance rate (January to July 2014).

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

Check your Eligibility