Compare Cards for People with Poor Credit

  • Boost your chances of approval

    Find the cards you’re most likely to get

  • No impact on your credit rating

    See if you’ll be accepted before you apply

  • Join over one million customers

    Who have signed up to TotallyMoney

Check My Eligibility

Financial Conduct Authority Authorised & Regulated

Sort by:
ADVERTISEMENT
Your matches will continue below

Your best matched card

ADVERTISEMENT
Chrome
Chrome Image
£1,000
Max Credit Limit
29.3 % APR
Rep % APR (variable)
  • 29.3% APR representative (variable) - Low APR for people with poor credit
  • Start with a credit limit of £250 up to £1,000
  • You could build your Credit Limit up to £4,000 over time

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 29.3% 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 29.3% APR (variable)

ADVERTISEMENT
Your matches will continue below

Your best matched card

ADVERTISEMENT
aqua Classic
aqua Classic Image
£1,200
Max Credit Limit
29.7 % APR
Rep % APR (variable)
  • 29.7% APR representative (variable) - One of the lower APRs for people with lower credit ratings
  • Could accept people with limited or no credit history
  • Credit limit up to £1,200

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 29.75% 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 29.7% APR (variable)

ADVERTISEMENT
Your matches will continue below

Your best matched card

ADVERTISEMENT
marbles Classic
marbles Classic Image
£1,200
Max Credit Limit
29.7 % APR
Rep % APR (variable)
  • Could accept people with limited or no credit history
  • Credit limit of up to £1,200
  • One of the lower APRs for people with lower credit ratings

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 29.75% 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 29.7% APR (variable)

ADVERTISEMENT
Your matches will continue below

Your best matched card

ADVERTISEMENT
Aquis Visa Card
Aquis Visa Card Image
£1,000
Max Credit Limit
29.8 % APR
Rep % APR (variable)
  • APR can be between 29.8% APR and 59.9% APR
  • One of the lowest APRs for people with lower credit ratings
  • Your Credit Limit could be increased up to £4,000 when you stay within your Credit Limit and make your payments on time

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 29.8% 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)

ADVERTISEMENT
Your matches will continue below

Your best matched card

ADVERTISEMENT
Fluid 9 Month Balance Transfer
Fluid 9 Month Balance Transfer Image
£2,000
Max Credit Limit
29.9 % APR
Rep % APR (variable)
  • 0% on balance transfers for nine months- 4% fee applies
  • Credit limits up to £2000

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 29.94% 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 29.9% APR (variable)

ADVERTISEMENT
Your matches will continue below

Your best matched card

ADVERTISEMENT
118 118 Money Card
118 118 Money Card Image
£1,200
Max Credit Limit
34.5 % APR
Rep % APR (variable)
  • Monthly subscription fees starting from £8 (Dependent on your credit limit, maximum £17 a month)
  • Zero interest and zero other fees
  • Could accept people with limited or no credit history

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 0% p.a. (variable) with an annual fee of £204 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 34.5% APR (variable)

ADVERTISEMENT
Your matches will continue below

Your best matched card

ADVERTISEMENT
Capital One Balance Card
Capital One Balance Card Image
£1,500
Max Credit Limit
34.9 % APR
Rep % APR (variable)
  • 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 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)

ADVERTISEMENT
Your matches will continue below

Your best matched card

ADVERTISEMENT
aqua classic with 6 month 0% Balance Transfer
aqua classic with 6 month 0% Balance Transfer Image
£1,200
Max Credit Limit
34.9 % APR
Rep % APR (variable)
  • 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 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 34.95% 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)

ADVERTISEMENT
Your matches will continue below

Your best matched card

ADVERTISEMENT
marbles Classic with 5 month 0% Balance Transfer
marbles Classic with 5 month 0% Balance Transfer Image
£1,200
Max Credit Limit
34.9 % APR
Rep % APR (variable)
  • 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 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 34.95% 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)

ADVERTISEMENT
Your matches will continue below

Your best matched card

ADVERTISEMENT
aqua Classic with 6 months 0% Purchase
aqua Classic with 6 months 0% Purchase Image
£1,200
Max Credit Limit
34.9 % APR
Rep % APR (variable)
  • Could accept people with limited or no credit history
  • Credit limit of up to £1,200
  • 0% on purchases for 6 months

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 34.95% 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)

ADVERTISEMENT
Your matches will continue below

Your best matched card

ADVERTISEMENT
marbles Classic with 5 months 0% Purchase Offer
marbles Classic with 5 months 0% Purchase Offer Image
£1,200
Max Credit Limit
34.9 % APR
Rep % APR (variable)
  • Could accept people with limited or no credit history
  • Credit limit of up to £1200
  • 0% on Purchases for 5 months

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 34.95% 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)

ADVERTISEMENT
Your matches will continue below

Your best matched card

ADVERTISEMENT
Capital One Classic Purchase Card
Capital One Classic Purchase Card Image
£1,500
Max Credit Limit
34.9 % APR
Rep % APR (variable)
  • 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 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)

ADVERTISEMENT
Your matches will continue below

Your best matched card

ADVERTISEMENT
aqua Advance
aqua Advance Image
£1,200
Max Credit Limit
34.9 % APR
Rep % APR (variable)
  • 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 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 34.95% 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)

ADVERTISEMENT
Your matches will continue below

Your best matched card

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

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)

ADVERTISEMENT
Your matches will continue below

Your best matched card

ADVERTISEMENT
opus Classic
opus Classic Image
£1,200
Max Credit Limit
34.9 % APR
Rep % APR (variable)
  • Move cash into your bank account with Money Transfers (3% fees and Terms apply)
  • Could accept people with limited or no credit history
  • Flexible Payment Dates

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 34.95% 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)

Get Your Credit Score & Report. Totally Free.

Find out what lenders really think of you and how to unlock better offers.

Sign up now

Exclusive Offer

Exclusive to the TotallyMoney comparison platform. This offer may appear on sites that we power or advertise through, including MSN and Noddle.

Pre-population

When you click to go to a lender we may pass over your details to help speed up the application process

Can't see a particular card?

If you can't find the card that you're looking for, we might be updating the details. Please check again in 48 hours.

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.