Compare credit cards for poor credit

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Exclusive Rate

This product is exclusive to TotallyMoney customers

aqua Classic 27.4% - Exclusive Offer
aqua Classic 27.4% Image
Max Credit Limit
£1,200
Rep % APR (variable)
27.4 % APR
  • Low rate for people with lower credit ratings
  • Rates vary to up to 59.9% APR (variable)
  • Could be accepted with a lower credit rating or limited credit history

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the 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.

If you spend £1,200 at a purchase interest rate of 27.45% p.a. (variable) your representative APR will be 27.4% APR (variable)

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Exclusive Rate

This product is exclusive to TotallyMoney customers

Chrome 28.5% - Exclusive Offer
Chrome 28.5% Image
Max Credit Limit
£1,000
Rep % APR (variable)
28.5 % APR
  • Exclusive low rate for people with lower credit ratings
  • Rates vary to up to 59.9% APR (variable)
  • Could be accepted with a lower credit rating or limited credit history

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the 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.

If you spend £1,000 at a purchase interest rate of 28.5% p.a. (variable) your representative APR will be 28.5% APR (variable)

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marbles Classic
marbles Classic Image
Max Credit Limit
£1,200
Rep % APR (variable)
29.7 % APR
  • Low rate for people with lower credit ratings
  • Rates vary to up to 59.9% APR (variable)
  • Could be accepted with a lower credit rating or limited credit history

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the 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.

If you spend £1,200 at a purchase interest rate of 29.75% p.a. (variable) your representative APR will be 29.7% APR (variable)

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Aquis Visa Card
Aquis Visa Card Image
Max Credit Limit
£1,000
Rep % APR (variable)
29.8 % APR
  • Low rate for people with lower credit ratings
  • Rates vary to up to 59.9% APR (variable)
  • Could be accepted with a lower credit rating or limited credit history

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the 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.

If you spend £1,000 at a purchase interest rate of 29.8% p.a. (variable) your representative APR will be 29.8% APR (variable)

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Guaranteed Rate

You are guaranteed to get the rate shown if you're accepted

Capital One Classic Platinum
Capital One Classic Platinum Image
Max Credit Limit
£1,500
Rep % APR (variable)
29.8 % APR
  • Credit limit of up to £1,500
  • Designed to help you build your credit history
  • One interest rate for all transactions

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the 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.

If you spend £1,200 at a purchase interest rate of 29.84% p.a. (variable) your representative APR will be 29.8% APR (variable)

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Fluid 9 Month Balance Transfer
Fluid 9 Month Balance Transfer Image
Max Credit Limit
£2,500
Rep % APR (variable)
29.9 % APR
  • 0% on balance transfers for nine months (4% fee)
  • Credit limits up to £2,500
  • Get a nine-month balance transfer offer if accepted for this card

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the 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.

If you spend £1,200 at a purchase interest rate of 29.94% p.a. (variable) your representative APR will be 29.9% APR (variable)

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Guaranteed Rate and Credit Limit

You're guaranteed to get the rate and credit limit shown if you're accepted

118 118 Money Zero Fees Credit Card
118 118 Money Zero Fees Credit Card Image
Max Credit Limit
£500
Rep % APR (variable)
34 % APR
  • Guaranteed £500 credit limit
  • Guaranteed APR of 34.0%
  • Zero fees for late payments
  • Zero fees for cash withdrawals and foreign transactions

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the 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.

If you spend £500 at a purchase interest rate of 34% p.a. (variable) your representative APR will be 34% APR (variable)

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Guaranteed Rate

You are guaranteed to get the rate shown if you're accepted

Capital One Balance Card
Capital One Balance Card Image
Max Credit Limit
£1,500
Rep % APR (variable)
34.9 % APR
  • 0% on balance transfers for six months, then 34.9% APR (variable) - 3% fee applies
  • Could accept people with a history of CCJs or lower credit scores
  • Credit limits up to £1,500

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the 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.

If you spend £1,200 at a purchase interest rate of 34.94% p.a. (variable) your representative APR will be 34.9% APR (variable)

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aqua classic with 6 month 0% Balance Transfer
aqua classic with 6 month 0% Balance Transfer Image
Max Credit Limit
£1,200
Rep % APR (variable)
34.9 % APR
  • 0% interest on balance transfers for 6 months. After the introductory period ends the standard balance rate will come into effect
  • Could accept people with limited or no credit history
  • Credit limit of up to £1,200

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the 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.

If you spend £1,200 at a purchase interest rate of 34.95% p.a. (variable) your representative APR will be 34.9% APR (variable)

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marbles Classic with 5 month 0% Balance Transfer
marbles Classic with 5 month 0% Balance Transfer Image
Max Credit Limit
£1,200
Rep % APR (variable)
34.9 % APR
  • Could accept people with limited or no credit history
  • 0% interest on balance transfers for 5 months. After the introductory period ends the standard balance rate will come into effect
  • This card has a representative 34.9% APR (variable)
  • Credit limit of up to £1,200

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the 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.

If you spend £1,200 at a purchase interest rate of 34.95% p.a. (variable) your representative APR will be 34.9% APR (variable)

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Guaranteed Rate

You are guaranteed to get the rate shown if you're accepted

Capital One Classic Purchase Card
Capital One Classic Purchase Card Image
Max Credit Limit
£1,500
Rep % APR (variable)
34.9 % APR
  • 0% interest on purchases for 3 months
  • For people who want to build or rebuild their credit history – even if they have had problems with credit in the past
  • Credit limit from £200 to £1,500

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the 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.

If you spend £1,200 at a purchase interest rate of 34.94% p.a. (variable) your representative APR will be 34.9% APR (variable)

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aqua Advance
aqua Advance Image
Max Credit Limit
£1,200
Rep % APR (variable)
34.9 % APR
  • Could reduce interest rates to 19.9% in 3 years
  • Credit limit of up to £1,200
  • No fee on spending overseas
  • Unlimited access to your credit report with aqua Credit Checker

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the 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.

If you spend £1,200 at a purchase interest rate of 34.95% p.a. (variable) your representative APR will be 34.9% APR (variable)

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Guaranteed Rate

You are guaranteed to get the rate shown if you're accepted

Capital One Classic
Capital One Classic Image
Max Credit Limit
£1,500
Rep % APR (variable)
34.9 % APR
  • Credit limits up to £1,500
  • Get a response to your application in 60 seconds
  • Specifically designed for people with bad credit

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the 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.

If you spend £1,200 at a purchase interest rate of 34.94% p.a. (variable) your representative APR will be 34.9% APR (variable)

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Guaranteed Rate

You're guaranteed to get the rate shown if you're accepted

Ocean Finance Credit Card
Ocean Finance Credit Card Image
Max Credit Limit
£1,500
Rep % APR (variable)
34.9 % APR
  • Credit limits up to £1,500
  • Get a response to your application in 60 seconds
  • Specifically designed for people with bad credit

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the 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.

If you spend £1,200 at a purchase interest rate of 34.94% p.a. (variable) your representative APR will be 34.9% APR (variable)

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Guaranteed Rate

You're guaranteed to get the rate shown if you're accepted

Luma Purchase
Luma Purchase Image
Max Credit Limit
£1,500
Rep % APR (variable)
35.9 % APR
  • 0% interest on purchases for 3 months, then 35.9% APR (variable)
  • For people with bad credit or who are looking to improve their current rating
  • Credit limits of up to £1,500
  • Quick & easy application - get a response in 60 seconds

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR (or, where applicable, daily interest rate), Representative APR and credit limit you could be offered by this provider.

Your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

Your representative APR is the 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.

If you spend £1,200 at a purchase interest rate of 35.94% p.a. (variable) your representative APR will be 35.9% APR (variable)

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What do 'pre-approved' and 'card 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.

Card approved means that you will get accepted for the card, providing the information you give is accurate and you pass the lender's checks, but could be offered a different rate to that advertised.

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Understanding credit cards for poor credit

Poor credit credit cards, also called bad credit credit cards, are designed to help you if you have a poor, or non-existent, credit record. These cards accept people who would be rejected for a mainstream credit card.

They are an excellent way of building up a good credit record. If you get one, use it sensibly and pay your balance off in full each month.

However, they carry very high interest rates – typically 29–35%APR – so NEVER spend more than you can afford to pay back.


Stop the cycle of credit card rejection

If you’ve applied and been rejected for a credit card, read this before applying again.

Being rejected is not only a waste of time, it can damage your credit rating, making it even harder to obtain credit and create a vicious circle of rejection.

So, stop and assess why you’ve been turned down and then find the card most likely to accept you. Every card company has their own criteria for lending, so even if one has rejected you, it doesn’t mean that they all will.

Before you apply again, find out which cards are most likely to accept you. Our eligibility check will tell you which credit cards you are most likely to be accepted for, without casting a shadow on your credit record – using it will not affect your credit rating.


How does the eligibility check work?

The eligibility check can help you decide on which card to apply for. Enter a few details and we’ll show you the cards you’re more likely to be approved for – and those that might reject you.

Acceptance isn’t guaranteed, but we use a soft search – you’ll see it on your file, but lenders don’t, so there’s no impact on your credit rating – to show your chance of acceptance for each card.

Don’t assume you’ll only get a ‘bad credit’ credit card, you may be pleasantly surprised. But whatever result you get, use your new credit card to improve your credit rating.


What is a poor credit credit card?

Bad credit credit cards are designed for people who have had credit problems in the past or have little or no history of borrowing. If you fall into either category you represent an above-average risk to the lender, so you pay for that risk with higher interest rates and fewer special offers.

As these cards are expensive they’re not great for new borrowing. But, if used sensibly &nsdash; that means paying the balance off in full each month – they can help you build up a good credit score.

You’re likely to fall into the poor credit category if you have:

  • A limited or non-existent credit history
  • Past issues such as repeated missed payments
  • Prior County Court Judgements
  • Been declined by several other credit card providers

What are bad credit credit cards good for?

  • They’re a great way to build or rebuild your credit rating.
  • In some circumstances they can be a cheaper alternative to other forms of borrowing, such as payday loans or unauthorised overdrafts.
  • Some poor credit cards feature 0% introductory rates and can be used carefully for low-cost, short-term borrowing.
  • All bad credit credit cards come with useful free Section 75 purchase protection benefits.

How to improve your credit rating

Here’s how you can use a credit card to improve your credit rating and, in time, gain access to better rates and products:

  • Use the card. An unused card sitting in a drawer won’t help your credit score, you need to flex the plastic, even if it is only to spend a few pounds each month.
  • Stay within your credit limit.
  • Repay your balance in full every month – set up a direct debit to ensure you don’t miss a payment.
  • Never miss a monthly payment.
  • Never take on debt you can’t afford to pay off in full – bad credit credit cards tend to have high APRs and expensive interest costs could lead to you missing a repayment.