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118 118 Money Credit Card

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Balance Transfer offer duration
N/A
0% Purchase offer duration
N/A
Representative % APR (variable)
34.0% APR
Transfer Fee
N/A

Representative Example

Tooltip

If you spend £1,200 at a purchase interest rate of 34.0% p.a. (variable) your representative APR will be 34.0% APR (variable)

What's Good

Zero fees for late payments, cash withdrawals and foreign transactions
The rate you see here is the rate you will get, if accepted
Spending cap means no fees for going over your credit limit

What's Bad

Features

Guaranteed credit limit and guaranteed APR
Designed for people with poor credit ratings, including those with past CCJs
Zero fees, including overseas

Eligibility

Only available to new 118 118 Money customers
You must be 18 or over
You must have a minimum income of £8,400
You can't have been declared bankrupt or have any IVAs

Rates and Fees

Balance Transfer OfferTooltip
Intro Rate
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n/a
Duration
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n/a
Transfer Fee
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n/a
Purchase OfferTooltip
Intro Rate
Tooltip
n/a
Duration
Tooltip
n/a
Annual Interest RatesTooltip
Balance Transfers
Tooltip
34 %
Purchases
Tooltip
34 %
Cash Withdrawals
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34 %
Other Key Facts
Annual Fee
Tooltip
£0
Cash Advance Fees
Tooltip
34 %
Minimum Age
18 years
Minimum Income
£8,400
Overseas Transaction Fee
Tooltip
0 %

What does 'pre-approved' mean?

Pre-approved means you will get accepted for the card, and at the rate advertised, providing the information you give is accurate and you pass the lender's checks (which may include a responsible lending check using open banking information).

Coronavirus help and support

You can find more information about coronavirus help and support here.

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We're on a mission to improve the UK's credit score and help people move on up to a better future.


TotallyMoney is an independent credit broker, not a lender. Our comparison service works with most leading lenders, covering the majority of the market. Though we may be paid a fee by lenders or brokers this never influences how our products are ranked.

We don't provide financial advice. Product information is obtained from independent sources and rates displayed may vary depending on your personal 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.

TotallyMoney is owned and operated by TotallyMoney Limited which is registered in England and Wales (Company Registration Number 06205695). TotallyMoney Limited is an Appointed Representative of TM Connect Limited, which is registered in England and Wales (Company Registration Number 06967012) and authorised and regulated by the Financial Conduct Authority in respect of consumer credit related activities (FCA FRN: 511936). Trading Address and Registered Office: Chapter House, 16 Brunswick Place, London N1 6DZ. Credit is available, subject to status, only to UK residents aged 18 or over.

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