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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% p.a. (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

£1200

Max Credit Limit

29.6 % APR

Representative APR (variable)

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

£1000

Max Credit Limit

29.8 % APR

Representative APR (variable)

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

£1500

Max Credit Limit

29.8 % APR

Representative APR (variable)

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
  • £15 cashback after 3 months for good behaviour (repayments made on time and you have stayed within credit limit) - Offer ends April 28th

£1200

Max Credit Limit

34.9 % APR

Representative APR (variable)

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

£1200

Max Credit Limit

34.9 % APR

Representative APR (variable)

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

£1200

Max Credit Limit

34.9 % APR

Representative APR (variable)

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

£1500

Max Credit Limit

34.9 % APR

Representative APR (variable)

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

£1000

Max Credit Limit

34.9 % APR

Representative APR (variable)

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

£1500

Max Credit Limit

35.9 % APR

Representative APR (variable)

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%

£1000

Max Credit Limit

39.9 % APR

Representative APR (variable)

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)

In Brief

Poor credit credit cards are designed to help you if you have a bad, 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 have very high interest rates – 29%APR – 35%APR typically – so NEVER spend more than you can afford to pay back.


Stop the Cycle of Credit Card Rejection Today

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

Blindly reapplying for other cards can make the problem even worse as failed applications can damage your credit rating, making it even harder to obtain credit creating 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 if one rejected you that doesn’t mean they all will.

Before you apply again, find out which cards match your profile using our advanced credit matching technology;, this clever service will tell you which credit cards you are most likely to be accepted for, without leaving a footprint on your credit record – so using it won’t affect your credit rating.

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


How Does Our Advanced Credit Matching Technology; Improve my Chances of Being Accepted?

Money Match® Results and Scores

Every lender has different acceptance criteria, so it’s hard to know which card to apply for. Enter a few details and our advanced credit matching technology shows you the cards you’re more likely to be approved for – and those that might reject you.

Acceptance still isn’t guaranteed, but by applying for cards that our advanced credit matching technology; recommends, you are over 250% more likely to be accepted than people not using the tool. Being rejected is not only a waste of time, it can damage your credit rating, so simply by using our advanced credit matching technology you are taking a step towards a better credit rating.


What is a “Bad Credit” Credit Card?

Bad credit credit cards are designed for people who have had credit problems in the past or have little history of borrowing at all. 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, with the exception of strict use of the odd 0% introductory offer, they’re not great for new borrowing. But, if used sensibly – 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 nonexistent credit history
  • Past issues like 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 pay-day loans or unauthorised overdrafts
  • Some poor credit cards feature 0% introductory rates and can be used carefully for low-cost, short-term borrowing
  • Many bad credit cards come with useful free purchase protection insurance and all come with Section 75 benefits

How to Improve Your Credit Score

Using a credit card the right way is one of the best means of improving your credit score and, over time, gaining access to better rates and products. Here’s how:

  • Repay your balance in full every month. Setting up a direct debit is a fool-proof way to make sure that happens
  • Stay within your credit limit
  • 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
  • Miss your monthly payments
  • Accumulate debt you can’t afford to pay off in full. Bad credit credit cards tend to have high APRs so it will work out as expensive, and could lead to you missing a payment and further damaging your credit score

Alternative Products

If our advanced credit matching technology suggests you don’t qualify for any bad credit credit cards, don’t despair. There are some alternatives which our advanced credit matching technology will automatically suggest:

  • Pre-paid cards

    Pre-paid cards offer some of the benefits of credit cards including, in some cases, the ability to build your credit rating. But you can never spend money you can’t afford as these cards have to be pre-loaded with cash. The drawback to them is that their fees can be expensive.

  • Secured cards

    A secured card works like a normal credit card except that, if your application is accepted, you have to put down a security deposit before you receive your card. These cards are a last resort for anyone who can’t get a normal credit card. They do offer some of the benefits of a standard card including building credit history and access to some credit. When you close the account, provided you haven’t missed any payments and there is no outstanding balance, you should get your deposit back in full.

    These cards are about building your credit rating. You need to show that you can play by the rules in order for this ‘good behaviour’ to end up on your credit file – you may even be offered an upgrade to a normal credit card.

  • Pay-day loans

    Occasionally, for very short term borrowing, a pay-day loan can be an alternative if you haven’t already got a credit card – they’re expensive, even in the short term, and only compare favourably to unauthorised borrowing on an overdraft.


Frequently Asked Questions

How We Rank Cards

We only grade credit cards by their merits. They’re ranked independently of whether we’re paid by the lender to promote them. If you use our advanced credit matching technology your results table will simply be ordered by your likelihood of acceptance and we’ll only show cards you have a good chance of getting (5 out of 10 or better).

Otherwise cards are ranked by the most appropriate variable – the length of the 0% period in balance transfer or purchase cards for example. In the case of bad credit credit cards we take account of features (0% introductory offers or rewards), average acceptance rate and APR, since our experience shows that’s the priority order of our typical user.

If I’m declined will it damage my credit rating?

Applying and being declined for a credit card could damage your credit rating, but applying and being accepted could save you a lot of money on the cost of borrowing.

Our advanced credit matching technology will check to see which cards you’re likely to qualify for before you apply which means you’ll see your likelihood of acceptance without damaging your credit rating. Even if you’re not likely to qualify for a top 0% balance transfer card, our advanced credit matching technology; will be able to identify the cards most suited to you and most likely to accept your application.

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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).