Compare credit cards for poor credit

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Exclusive Rate

This product is exclusive to TotallyMoney customers

Chrome - Rep 28.5% APR - Exclusive Offer
Chrome - Rep 28.5% APR 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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Exclusive offer

This product is exclusive to TotallyMoney customers

Fluid 6 Month Balance Transfer
Fluid 6 Month Balance Transfer Image
Max Credit Limit
£2,500
Rep % APR (variable)
29.9 % APR
  • 0% on balance transfers for six months (4% fee)
  • Credit limits up to £2,500
  • Get a six-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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marbles Classic
marbles Classic Image
Max Credit Limit
£1,200
Rep % APR (variable)
32.9 % APR
  • Could be accepted with a lower credit rating or limited credit history
  • Rates vary to up to 59.9% 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 32.94% p.a. (variable) your representative APR will be 32.9% APR (variable)

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Guaranteed APR and Credit Limit

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

118 118 Money Credit Card - Zero Fees - £500 Credit Limit
118 118 Money Credit Card - Zero Fees - £500 Credit Limit Image
Max Credit Limit
£500
Rep % APR (variable)
34.0 % 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 34.0% p.a. (variable) your representative APR will be 34.0% APR (variable)

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Creditspring Membership Plus - A Credit Card Alternative
Creditspring Membership Plus - A Credit Card Alternative Image
Max Credit Limit
£1,000
Rep % APR (fixed)
38.6 % APR
  • Pay an £8 monthly membership fee to access credit- no interest, fees or other charges.
  • Borrow £500 twice a year, on demand, without interest.
  • Credit building - membership payments help improve your credit score, as well as successful repayments.
  • You will not be issued a physical credit card. You access your credit by logging in and pressing ‘borrow’.

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.

Total amount of credit of £1,000 over 12 months at an interest rate of 0% p.a. (fixed). The first payment for each advance is £83.35 followed by 5 monthly repayments of £83.33. 12 monthly membership payments of £8. Total cost of credit £96. Representative 38.6% APR (fixed). Total amount payable £1,096.

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Vanquis Visa Card
Vanquis Visa Card Image
Max Credit Limit
£1,000
Rep % APR (variable)
39.9 % APR
  • Specifically designed for people with poor credit
  • The rate you see here is the rate you will get, if accepted
  • You could get credit limit increases every 5 months up to £4,000

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 39.9% p.a. (variable) your representative APR will be 39.9% APR (variable)

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Guaranteed APR

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

Capital on Tap – Self Employed Card
Capital on Tap – Self Employed Card Image
Max Credit Limit
£50,000
Rep % APR (variable)
39.9 % APR
  • Credit card for self-employed individuals
  • Guaranteed APR of 39.9%
  • You could be accepted with limited or poor 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 39.9% p.a. (variable) your representative APR will be 39.9% APR (variable)

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Origin Card by Vanquis Bank
Origin Card by Vanquis Bank Image
Max Credit Limit
£1,000
Rep % APR (variable)
59.9 % APR
  • Manageable starting credit limit of £150 to £1,000
  • Build your way to a credit limit of up to £3,500

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 £1,000 at a purchase interest rate of 59.9% p.a. (variable) your representative APR will be 59.9% APR (variable)

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Capital On Tap Self-Employed Rewards Card
Capital On Tap Self-Employed Rewards Card Image
Max Credit Limit
£1,000
Rep % APR (variable)
67.2 % APR
  • Rewards credit card for self-employed individuals
  • APR as low as 9.9% and credit limits up to £50,000
  • You could be accepted with limited or poor 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 39.9% p.a. (variable) with an annual fee of £99 your representative APR will be 67.2% APR (variable)

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Creditspring Membership Core - A Credit Card Alternative
Creditspring Membership Core - A Credit Card Alternative Image
Max Credit Limit
£500
Rep % APR (fixed)
87.4 % APR
  • Pay a £6 monthly membership fee to access credit- no interest, fees or other charges
  • Borrow £250 twice a year, on demand, without interest
  • Credit building - membership payments help improve your credit score, as well as successful repayments
  • You will not be issued a physical credit card- you access your credit by logging in and pressing ‘borrow’

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.

Total amount of credit of £500 over 12 months at an interest rate of 0% p.a. (fixed). For each advance of £250 there are 4 monthly repayments of £62.50. 12 monthly membership payments of £6. Total cost of credit £72. Representative 87.4% APR (fixed). Total amount payable £572.

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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.

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?

We frequently update our product offering meaning the cards shown on this table may change. If you can't find what you are looking for, this may be because we have recently updated our table and removed a particular product.

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.