Compare the UK’s Top Credit Building Cards

		Bal. Transfers		Intro Purchases		Typical		Instant Decision
	Overall Rating	Rate	Duration	Rate	Duration	APR (variable)	Benefits

Capital One Classic More Info	Top Credit Builder. Credit limits up to £1,500, even if you've been rejected elsewhere	N/A	N/A	N/A	N/A	34.9%	1 page application; get a response in 1 minute; can help you improve your credit score	Apply >
Granite More Info	New offer - can help you strengthen your credit score. Credit limits up to £500	N/A	N/A	N/A	N/A	34.9%	Issued by Vanquis bank	Apply >
Barclaycard Initial More Info	Best suited as a first credit card. Manageable credit limits of £250 - £1000.	N/A	N/A	N/A	N/A	29.9%	Not recommended if you have missed multiple repayments or defaulted or had CCJs.	Apply >
Vanquis More Info	Specifically designed for people with poor credit scores. Credit limits up to £1,000	N/A	N/A	N/A	N/A	39.9%	Can help you strengthen your credit rating	Apply >
aqua Card More Info	Available as first step to credit repair for bad credit applicants	N/A	N/A	N/A	N/A	35.9%	Credit limit of up to £1,600; Can help you improve your credit rating	Apply >
Kalixa Prepaid Mastercard More Info	No transaction fees. Free to load online or in any Barclays branch. £4.95 setup fee applies	N/A	N/A	N/A	N/A	0%	Accepted worldwide with no FX fees making it one of the cheapest ways to spend abroad	Apply >

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Our credit card introduction, credit brokerage and credit intermediary services (excluding the Granite Card) are provided by Media Ingenuity Ltd trading as TotallyMoney. Media Ingenuity Ltd is an independent credit broker and/or credit intermediary for the purposes of the Consumer Credit Act 1974. The product information is obtained from independent sources and rates may vary depending on your financial circumstances. While we make every effort to ensure that information is up to date, you should always confirm the terms of the offer with the product provider. We do not give financial advice. We provide this service free of charge but may receive commission or payment from credit card issuers for introductions or assistance with preparatory work. Should you choose to proceed, our partners may charge you fees for their products or services.

The Granite card is promoted by MI Money Ltd and issued by Vanquis Bank Limited. MI Money Ltd is a tied credit intermediary of Vanquis Bank Limited and promotes the Granite card exclusively in partnership with Vanquis Bank.

Vanquis Bank can be contacted at its registered office at No. 1 Godwin Street, Bradford, West Yorkshire BD1 2SU. Registered number 2558509. Vanquis’ consumer credit activities are licensed by the Office of Fair Trading (Consumer Credit Licence number 532364). Vanquis Bank Limited is authorised and regulated by the Financial Services Authority.

The Fluid credit card is promoted by MI Money Ltd and issued by MBNA Europe Bank Limited, a Bank of America company. MI Money Ltd is a tied credit intermediary of MBNA and promotes the Fluid card exclusively in partnership with MBNA.

MBNA can be contacted at its registered office at Stansfield House, Chester Business Park, Chester CH4 9QQ. Registered number 2783251. MBNAs consumer credit activities are licensed by the Office of Fair Trading (Consumer Credit Licence number 0363167) and MBNA’s general insurance activities are authorised and regulated by the Financial Services Authority.

TotallyMoney is owned and operated by Media Ingenuity Ltd (company number 06205695). Trading Address: 3rd Floor, Holden House, 57 Rathbone Place, London, W1T 1JU. Registered Office: Eastcastle House, 27-28 Eastcastle Street, London, W1W 8DH. Registered in England and Wales.