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Compare The UK's Top Cards for People with Poor Credit

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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)

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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
Max Credit Limit
£1200
Representative APR (variable)
29.6 % APR
Representative APR (variable)
29.6 % APR

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% p.a. (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)

Aquis Visa Card
Aquis Visa Card Image
  • One of the lowest APRs for people with lower credit ratings
  • Your Credit Limit could be increased up to £3,500 when you stay within your Credit Limit and make your payments on time*^
  • APR can be between 29.8% APR and 59.9% APR
Max Credit Limit
£1000
Representative APR (variable)
29.8 % APR
Representative APR (variable)
29.8 % APR

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% p.a. (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)

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
Max Credit Limit
£1500
Representative APR (variable)
29.8 % APR
Representative APR (variable)
29.8 % APR

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% p.a. (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)

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
Max Credit Limit
£1200
Representative APR (variable)
34.9 % APR
Representative APR (variable)
34.9 % APR

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% p.a. (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)

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
  • Credit limit of up to £1,200
Max Credit Limit
£1200
Representative APR (variable)
34.9 % APR
Representative APR (variable)
34.9 % APR

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% p.a. (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)

aqua Reward
aqua Reward Image
  • Get 0.5% cashback on all purchases
  • No fees for overseas usage
  • Credit limit of up to £1,200
Max Credit Limit
£1200
Representative APR (variable)
34.9 % APR
Representative APR (variable)
34.9 % APR

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% p.a. (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)

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
Max Credit Limit
£1500
Representative APR (variable)
34.9 % APR
Representative APR (variable)
34.9 % APR

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% p.a. (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)

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
  • You could get a credit limit increase after your 5th statement and further increases every 5 months, up to £3,500
Max Credit Limit
£1000
Representative APR (variable)
34.9 % APR
Representative APR (variable)
34.9 % APR

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% p.a. (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)

Luma
Luma Image
  • Credit limits of up to £1,500
  • Get a response in 60 seconds
  • Specifically designed for people with bad credit
Max Credit Limit
£1500
Representative APR (variable)
35.9 % APR
Representative APR (variable)
35.9 % APR

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% p.a. (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)

Vanquis Credit Card
Vanquis Credit Card Image
  • Specifically designed for people with poor credit
  • Your Credit Limit could be increased up to £3,500 when you stay within your Credit Limit and make your payments on time*^
  • APR can be between 39.9% and 59.9%
Max Credit Limit
£1000
Representative APR (variable)
39.9 % APR
Representative APR (variable)
39.9 % APR

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% p.a. (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)

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.

We rank your results based on what represents the best value for you and guarantee that no company can ever pay to advertise on the site or to appear higher in your results.

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.

1We rank products based solely on what represents the best value for you. We will always provide a link to the best results for you whether or not they earn us revenue. We guarantee that no company can ever pay to advertise on the site or to appear higher in your results.

2Our credit card comparison services (excluding the Granite Card, Luma Card and Fluid Card) are provided by Media Ingenuity Limited trading as TotallyMoney.com. Media Ingenuity Limited is an appointed representative of MI Money Limited, which is authorised and regulated by the Financial Conduct Authority (FCA FRN: 511936).