The UK's Top Card For People With Poor Credit
Compare the UK's Top Cards for Poor Credit
APR Representative (Variable)
Overall Rating    
aqua Classic
29.7% APR
Representative (variable)
aqua Classic
8 star rating
  • Credit limits up to £1,600
  • One of the lowest APRs in this section of the market
  • Will not accept applicants with CCJs in the last 12 months
Barclaycard Initial
29.9% APR
Representative (variable)
Barclaycard Initial
6 star rating
  • Designed for people with little or no credit history or with limited credit profiles
  • Manageable credit limits of £150 - £2,000
  • Suitable even if you have missed payments or have had CCJs over 12 months ago
Capital One Progress
29.9% APR
Representative (variable)
Capital One Progress
6 star rating
  • Shrink your interest rate
  • Credit limits of up to £1,500
  • You will get a response to your application in 1 minute
Capital One Classic Extra
34.9% APR
Representative (variable)
Capital One Classic Extra
7 star rating
  • 0.5% cashback on all spending on the card
  • £10 annual bonus if you repay on time every month
  • Designed for people with poor credit profiles
Luma
35.9% APR
Representative (variable)
Luma
6 star rating
  • New card for people with poor credit ratings
  • Manageable credit limits up to £1,500
  • Get a response in 60 seconds
Will aqua accept me?

The aqua Classic card is designed for people who:

  • Have had problems with credit in the past, including those who've had CCJs more than twelve months ago
  • Have little or no history of managing credit
  • Are self employed or earn a low income

If any of the above are relevant to your circumstances then aqua could be a good option for you.

It's one of the leading cards for people with lower credit ratings or who are looking to build their credit rating.

However, there are certain types of customers that aqua are less likely to accept:
 Bankrupt in the last 12 months?
It's very unlikely that you'll get any credit card at the moment. Instead you should try a prepaid card – you can use these online and in shops like normal credit cards, and they can help you to improve your credit rating.

Compare prepaid cards »

Useful information about the APR

All cards within this section of the market have relatively high APRs. This is because the credit card companies need to balance the risk of lending to people with poorer credit profiles. The trick to avoiding paying high interest charges is to always pay off your balance in full and never, EVER miss a repayment. This way you won't pay any interest and, if you do this religiously, you might find that your credit rating actually improves.

Our credit card introduction, credit brokerage and credit intermediary services (excluding the Granite Card, Luma Card and Fluid 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 Luma card is promoted by MI Money Ltd and issued by Capital One (Europe) plc. MI Money Ltd is a tied credit intermediary of Capital One (Europe) plc and promotes the Luma card exclusively in partnership with Capital One (Europe) plc. Capital One (Europe) plc can be contacted at its registered office at Trent House Station Street, Nottingham, NG2 3HX. Registered number 03879023. Capital One (Europe) plc is authorised and regulated by the Financial Conduct Authority.

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 Conduct 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 Conduct 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.