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Authorised & Regulated

Virgin Money Credit Builder Card - Guaranteed 23.9% APR

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Max Credit Limit
£3,500
Representative % APR (variable)
23.9% APR
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Virgin Money Cashback lets you earn cashback on your credit card spending at participating retailers. Sign up in the mobile app
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You are guaranteed to get the APR shown, if accepted
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No annual fee

Representative Example

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If you spend £1,200 at a purchase interest rate of 23.9% p.a. (variable) your representative APR will be 23.9% APR (variable)

Virgin Money Credit Builder Card - Guaranteed 25.9% APR

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Max Credit Limit
£3,500
Representative % APR (variable)
25.9% APR
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Virgin Money Cashback lets you earn cashback on your credit card spending at participating retailers. Sign up in the mobile app
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You are guaranteed to get the APR shown, if accepted
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No annual fee

Representative Example

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If you spend £1,200 at a purchase interest rate of 25.9% p.a. (variable) your representative APR will be 25.9% APR (variable)

Vanquis Chrome 26.5% APR

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Max Credit Limit
£1,500
Representative % APR (variable)
26.5% APR
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Low rate for people with lower credit ratings
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The rate you see here is the rate you will get, if accepted
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Could be accepted with a lower credit rating or limited credit history

Representative Example

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If you spend £1,200 at a purchase interest rate of 26.5% p.a. (variable) your representative APR will be 26.5% APR (variable)

Vanquis Chrome Balance Transfer Credit Card

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Max Credit Limit
£1,000
Representative % APR (variable)
29.3% APR
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Guaranteed credit limit of £1000
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One interest rate for all transactions
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0% on balance transfers for 9 months

Representative Example

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If you spend £1,000 at a purchase interest rate of 29.3% p.a. (variable) your representative APR will be 29.3% APR (variable)

Vanquis Chrome Credit Card

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Max Credit Limit
£1,200
Representative % APR (variable)
29.3% APR
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Low rate for people with lower credit ratings
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The rate you see here is the rate you will get, if accepted
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Could be accepted with a lower credit rating or limited credit history

Representative Example

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If you spend £1,200 at a purchase interest rate of 29.3% p.a. (variable) your representative APR will be 29.3% APR (variable)

thimbl. 9 Month Balance Transfer Card

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Max Credit Limit
£1,200
Representative % APR (variable)
29.5% APR
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One interest rate for all transactions
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0% on balance transfers for 9 months
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Could accept customers with limited credit history

Representative Example

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If you spend £1,200 at a purchase interest rate of 29.5% p.a. (variable) your representative APR will be 29.5% APR (variable)

thimbl. 29.5% APR

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Max Credit Limit
£1,200
Representative % APR (variable)
29.5% APR
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One interest rate for all transactions
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Guaranteed APR of 29.5%, if accepted
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Could accept customers with limited credit history

Representative Example

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If you spend £1,200 at a purchase interest rate of 29.5% p.a. (variable) your representative APR will be 29.5% APR (variable)

Capital One Classic Platinum

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Max Credit Limit
£1,500
Representative % APR (variable)
29.8% APR
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Low rate for people with lower credit ratings
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One interest rate for all transactions
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Get a response to your application in 60 seconds

Representative Example

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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)

Virgin Money 12 Month All Round Credit Card - Guaranteed 29.9% APR

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Max Credit Limit
£3,500
Representative % APR (variable)
29.9% APR
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0% on balance transfers for 12 months
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0% on money transfers for 12 months
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0% on purchases for 12 months

Representative Example

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

Virgin Money 12 Month BT Card - Guaranteed 29.9% APR

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Max Credit Limit
£3,500
Representative % APR (variable)
29.9% APR
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0% on balance transfers for 12 months
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0% on money transfers for 6 months
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0% on purchases for 3 months

Representative Example

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

Virgin Money 9 Month All Round Credit Card - Guaranteed 29.9% APR

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Max Credit Limit
£3,500
Representative % APR (variable)
29.9% APR
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0% on balance transfers for 9 months
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0% on money transfers for 9 months
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0% on purchases for 9 months

Representative Example

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

Ocean 3 month 0% Credit Card

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Max Credit Limit
£1,500
Representative % APR (variable)
29.9% APR
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0% on balance transfers for 3 months and 0% on purchases for 3 months
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One interest rate for all transactions
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Get a response to your application in 60 seconds

Representative Example

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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)

Cashplus Credit Card

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Max Credit Limit
£3,000
Representative % APR (variable)
29.9% APR
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Specifically designed for people with bad credit
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One interest rate for all transactions
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Guaranteed credit limit

Representative Example

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

Onmo Credit Card

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Max Credit Limit
£6,000
Representative % APR (variable)
29.9% APR
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The rate you see here is the rate you will get, if accepted
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One interest rate for all transactions
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Could help you build your credit score
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Can accept people with limited credit history

Representative Example

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

Cashplus Self Employed Rewards Card

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Max Credit Limit
£5,000
Representative % APR (variable)
29.9% APR
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Cashback credit card designed for self-employed individuals and contractors
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One interest rate for all transactions
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Guaranteed credit limit

Representative Example

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

Post Office Classic 3 month Dual Credit Card

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Max Credit Limit
£1,500
Representative % APR (variable)
29.9% APR
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0% on balance transfers for 3 months and 0% on purchases for 3 months
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One interest rate for all transactions
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Get a response to your application in 60 seconds

Representative Example

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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)

Vanquis Visa Balance Transfer Credit Card

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Max Credit Limit
£1,000
Representative % APR (variable)
33.5% APR
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Guaranteed credit limit of £1000 
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One interest rate for all transactions 
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0% on balance transfers for 6 months

Representative Example

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If you spend £1,000 at a purchase interest rate of 33.5% p.a. (variable) your representative APR will be 33.5% APR (variable)

118 118 Money Balance Transfer Card

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Max Credit Limit
£2,000
Representative % APR (variable)
34.0% APR
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Guaranteed credit limit and guaranteed APR
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0% on balance transfers for 6 months
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One interest rate for all transactions
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Could accept people with lower credit scores

Representative Example

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If you spend £1,200 at a purchase interest rate of 34.0% p.a. (variable) your representative APR will be 34.0% APR (variable)

Vanquis Visa Credit Card 34.6% APR

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Max Credit Limit
£600
Representative % APR (variable)
34.6% APR
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Specifically designed for people with poor credit
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This card could help you improve your credit score

Representative Example

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If you spend £600 at a purchase interest rate of 34.6% p.a. (variable) your representative APR will be 34.6% APR (variable)

Fluid 9 Month Balance Transfer Card

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Max Credit Limit
£2,500
Representative % APR (variable)
34.9% APR
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0% on balance transfers for 9 months (3% fee applies)
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Flexible payment dates
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Credit limits up to £2,500
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Free text alerts

Representative Example

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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)

Capital One 6 Month Balance Card

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Max Credit Limit
£1,500
Representative % APR (variable)
34.9% APR
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0% on balance transfers for 6 months (3% fee applies)
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The rate you see here is the rate you will get, if accepted
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One interest rate for all transactions
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Get a response to your application in 60 seconds

Representative Example

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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)

Capital One Complete Card

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Max Credit Limit
£1,500
Representative % APR (variable)
34.9% APR
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0% for 4 months on purchases and balance transfers
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One interest rate for all transactions
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Get a response to your application in 60 seconds

Representative Example

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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)

Capital One Classic

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Max Credit Limit
£1,500
Representative % APR (variable)
34.9% APR
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Specifically designed for people with bad credit
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One interest rate for all transactions
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Get a response to your application in 60 seconds

Representative Example

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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)

Ocean Finance Credit Card - Guaranteed 34.9% APR

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Max Credit Limit
£1,500
Representative % APR (variable)
34.9% APR
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Specifically designed for people with bad credit
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One interest rate for all transactions
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Get a response to your application in 60 seconds

Representative Example

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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)

Tesco Bank Foundation Credit Card - Guaranteed 34.9% APR

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Max Credit Limit
£1,500
Representative % APR (variable)
34.9% APR
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Low rate for people with lower credit ratings
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Guaranteed 34.9% APR
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Credit limit up to £1500

Representative Example

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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)

Zopa Credit Card

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Max Credit Limit
£1,500
Representative % APR (variable)
34.9% APR
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Specifically designed for people with bad credit
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The rate you see here is the rate you will get, if accepted
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This card can help you improve your credit score
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Can accept customers with a limited credit history

Representative Example

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

Post Office Classic Card

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Max Credit Limit
£1,500
Representative % APR (variable)
34.9% APR
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Specifically designed for people with bad credit
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One interest rate for all transactions
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Get a response to your application in 60 seconds

Representative Example

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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)

Luma Purchase

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Max Credit Limit
£1,500
Representative % APR (variable)
35.9% APR
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0% on purchases for 3 months, then 35.94% p.a.(variable)
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One interest rate for all transactions
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Get a response to your application in 60 seconds

Representative Example

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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)

Luma Classic

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Max Credit Limit
£1,500
Representative % APR (variable)
35.9% APR
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Specifically designed for people with bad credit
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One interest rate for all transactions
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Get a response to your application in 60 seconds

Representative Example

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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)

thinkmoney Credit Card

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Max Credit Limit
£1,500
Representative % APR (variable)
39.9% APR
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Specifically designed for people with bad credit
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One interest rate for all transactions
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Get a response to your application in 60 seconds

Representative Example

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If you spend £1,200 at a purchase interest rate of 39.94% p.a. (variable) your representative APR will be 39.9% APR (variable)

Showing 30 of 36 Cards

What are the different types of credit card?

You can find out more information about the different types of credit card in our guide

What does ’pre-approved’ mean?

If you are pre-approved, this means that you will get the card or loan, at the rate advertised, providing the information you give us in accurate and you pass the lender’s final checks, which include fraud and responsible lending safeguards

Exclusive Offer

Exclusive to the TotallyMoney comparison platform. This offer may appear on sites that we power or advertise through.

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.

We're on a mission to help everyone move their finances forward and gain financial momentum.


TotallyMoney is an independent credit broker, not a lender. Our comparison service works with most leading lenders, covering the majority of the market. Though we may be paid a fee by lenders or brokers this never influences how our products are ranked.

We don't provide financial advice. Product information is obtained from independent sources and rates displayed may vary depending on your personal circumstances. While we make every effort to ensure that information is up to date, you should always confirm the terms of the offer with the product provider.

TotallyMoney is owned and operated by TotallyMoney Limited which is registered in England and Wales (Company Registration Number 06205695). TotallyMoney Limited is an Appointed Representative of TM Connect Limited, which is registered in England and Wales (Company Registration Number 06967012) and authorised and regulated by the Financial Conduct Authority in respect of consumer credit related activities (FCA FRN: 511936). Trading Address and Registered Office: Chapter House, 16 Brunswick Place, London N1 6DZ. Credit is available, subject to status, only to UK residents aged 18 or over.

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