Credit Cards for People with Bad Credit - Compare deals with TotallyMoney

Chrome 28.5% APR

Max Credit Limit

£1,000

Representative % APR (variable)

28.5% APR

Low rate for people with lower credit ratings

The rate you see here is the rate you will get, if accepted

Could be accepted with a lower credit rating or limited credit history

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Representative Example

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)

Chrome with 6 month 0% Balance Transfer

Max Credit Limit

£1,000

Representative % APR (variable)

29.3% APR

Guaranteed credit limit of £1000

One interest rate for all transactions

0% on balance transfers for 6 months

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Representative Example

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)

Chrome

Max Credit Limit

£1,500

Representative % APR (variable)

29.3% APR

Low rate for people with lower credit ratings

The rate you see here is the rate you will get, if accepted

Could be accepted with a lower credit rating or limited credit history

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Representative Example

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)

Marbles Classic Credit Card

Max Credit Limit

£1,200

Representative % APR (variable)

29.7% APR

Could be accepted with a lower credit rating or limited credit history

Rates vary up to 59.9% APR (Variable)

Credit Limit up to £1200

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Representative Example

If you spend £1,200 at a purchase interest rate of 29.75% p.a. (variable) your representative APR will be 29.7% APR (variable)

Aqua Classic Credit Card

Max Credit Limit

£1,200

Representative % APR (variable)

29.7% APR

Could be accepted with a lower credit rating or limited credit history

Rates vary up to 59.9% APR (Variable)

Credit Limit up to £1200

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Representative Example

If you spend £1,200 at a purchase interest rate of 29.75% p.a. (variable) your representative APR will be 29.7% APR (variable)

Capital One Classic Platinum

Max Credit Limit

£1,500

Representative % APR (variable)

29.8% APR

Low rate for people with lower credit ratings

One interest rate for all transactions

Get a response to your application in 60 seconds

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Representative Example

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)

Exclusive Offer

Exclusive to TotallyMoney

Ocean 3 month 0% Credit Card - Exclusive Offer

Max Credit Limit

£1,500

Representative % APR (variable)

29.9% APR

0% on balance transfers for 3 months and 0% on purchases for 3 months

One interest rate for all transactions

Get a response to your application in 60 seconds

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Representative Example

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)

Exclusive Offer

£30 cashback if you spend at least £5 on your card 5 times within the first 60 days from your account opening, on accounts opened between 15 October 2021 and 31 October 2021. T&Cs apply.

Bip - Exclusive Offer

Max Credit Limit

£1,200

Representative % APR (variable)

29.9% APR

Simple app to make managing your money easy

Rates vary up to 49.94% (variable)

You can use your card straight away online and with Apple or Google Pay

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Representative Example

If you spend £1,200 at a purchase interest rate of 29.95% p.a. (variable) your representative APR will be 29.9% APR (variable)

Post Office Classic 3 month Dual Credit Card

Max Credit Limit

£1,500

Representative % APR (variable)

29.9% APR

0% on balance transfers for 3 months and 0% on purchases for 3 months

One interest rate for all transactions

Get a response to your application in 60 seconds

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Representative Example

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 with 6 month 0% Balance Transfer

Max Credit Limit

£1,000

Representative % APR (variable)

33.5% APR

Guaranteed credit limit of £1000

One interest rate for all transactions

0% on balance transfers for 6 months

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Representative Example

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 Credit Card

Max Credit Limit

£1,200

Representative % APR (variable)

34.0% APR

Guaranteed credit limit

One interest rate for all transactions

Guaranteed zero fees

Could accept people with lower credit scores

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Representative Example

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)

Exclusive Offer

Exclusive to TotallyMoney

Fluid 12 Month Balance Transfer - Exclusive Offer

Max Credit Limit

£2,500

Representative % APR (variable)

34.9% APR

0% on balance transfers for 12 months (4% fee applies)

Rates vary up to 59.9% APR (variable)

Credit limits up to £2,500

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Representative Example

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 Balance Card

Max Credit Limit

£1,500

Representative % APR (variable)

34.9% APR

0% on balance transfers for six-months (3% fee applies)

One interest rate for all transactions

Get a response to your application in 60 seconds

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Representative Example

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)

Aqua Classic Balance Transfer Card

Max Credit Limit

£1,200

Representative % APR (variable)

34.9% APR

0% on balance transfers for six months (3% fee applies)

You could be accepted with limited credit history

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Representative Example

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)

Marbles Classic Balance Transfer Card

Max Credit Limit

£1,200

Representative % APR (variable)

34.9% APR

0% on balance transfers for five months (3% fee applies)

You could be accepted with limited credit history

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Representative Example

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)

Capital One Complete Card

Max Credit Limit

£1,500

Representative % APR (variable)

34.9% APR

0% for 4 months on purchases and balance transfers

One interest rate for all transactions

Get a response to your application in 60 seconds

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Representative Example

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

Max Credit Limit

£1,500

Representative % APR (variable)

34.9% APR

Specifically designed for people with bad credit

One interest rate for all transactions

Get a response to your application in 60 seconds

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Representative Example

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

Max Credit Limit

£1,500

Representative % APR (variable)

34.9% APR

Specifically designed for people with bad credit

One interest rate for all transactions

Get a response to your application in 60 seconds

Check My Eligibility

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Representative Example

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)

Apply using the mobile app

Complete your application and relevant checks by downloading the app on iOS and Android.

Level Credit Card

Max Credit Limit

£1,200

Representative % APR (variable)

34.9% APR

One interest rate for all transactions

Mobile app enables you to mange and track your spending

No extra costs for using abroad

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Representative Example

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)

Zopa Credit Card

Max Credit Limit

£1,500

Representative % APR (variable)

34.9% APR

Specifically designed for people with bad credit

The rate you see here is the rate you will get, if accepted

This card can help you improve your credit score

Can accept customers with a limited credit history

Check My Eligibility

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Representative Example

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

Max Credit Limit

£1,500

Representative % APR (variable)

34.9% APR

Specifically designed for people with bad credit

One interest rate for all transactions

Get a response to your application in 60 seconds

Check My Eligibility

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Representative Example

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

Max Credit Limit

£1,500

Representative % APR (variable)

35.9% APR

0% on purchases for 3 months, then 35.94% p.a.(variable)

One interest rate for all transactions

Get a response to your application in 60 seconds

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Representative Example

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

Max Credit Limit

£1,500

Representative % APR (variable)

35.9% APR

Specifically designed for people with bad credit

One interest rate for all transactions

Get a response to your application in 60 seconds

Check My Eligibility

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Representative Example

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

Max Credit Limit

£1,500

Representative % APR (variable)

39.9% APR

Specifically designed for people with bad credit

One interest rate for all transactions

Get a response to your application in 60 seconds

Check My Eligibility

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Representative Example

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)

Ocean Finance Credit Card - Guaranteed 39.9% APR

Max Credit Limit

£1,500

Representative % APR (variable)

39.9% APR

Specifically designed for people with bad credit

One interest rate for all transactions

Get a response to your application in 60 seconds

Check My Eligibility

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Representative Example

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)

Vanquis Visa Card

Max Credit Limit

£1,000

Representative % APR (variable)

39.9% APR

Specifically designed for people with poor credit

This card can help you improve your credit score

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Representative Example

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)

thimbl.

Max Credit Limit

£1,000

Representative % APR (variable)

39.9% APR

One interest rate for all transactions

Guaranteed APR of 39.9%, if accepted

Could accept customers with limited credit history

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Representative Example

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)

Creditspring Membership Plus - A Credit Card Alternative

Max Credit Limit

£500

Representative % APR (fixed)

43.1% APR

Pay a £10 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’.

Check My Eligibility

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Representative Example

Based on borrowing £500 twice a year, so the total amount of credit is £1,000 over 12 months. The first payment for each advance is £83.35 followed by 5 monthly repayments of £83.33. 12 monthly membership payments of £10. Rate of interest 0% p.a. (fixed), Representative 43.1% APR. Total amount payable £1,120.

Origin Card by Vanquis Bank

Max Credit Limit

£1,000

Representative % APR (variable)

59.9% APR

Build or re-build your credit score by using this card sensibly

Manageable starting credit limit of £150 to £1,000

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Representative Example

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)

Creditspring Membership Core - A Credit Card Alternative

Max Credit Limit

£250

Representative % APR (fixed)

77.3% APR

Pay a £8 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’

Check My Eligibility

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Representative Example

Based on borrowing £250 twice a year, so the total amount of credit is £500 over 12 months. The first payment for each advance is £41.70 followed by 5 monthly repayments of £41.66. 12 monthly membership payments of £8. Rate of interest 0% p.a. (fixed), Representative 77.3% APR. Total amount payable £596.

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?

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 (which may include a responsible lending check using open banking information).

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.

Coronavirus help and support

You can find more information about coronavirus help and support here.

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.

Compare credit cards for poor credit

Calculate savings

Chrome 28.5% APR

£1,000

28.5% APR

Chrome with 6 month 0% Balance Transfer

£1,000

29.3% APR

Chrome

£1,500

29.3% APR

Marbles Classic Credit Card

£1,200

29.7% APR

Aqua Classic Credit Card

£1,200

29.7% APR

Capital One Classic Platinum

£1,500

29.8% APR

Exclusive Offer

Ocean 3 month 0% Credit Card - Exclusive Offer

£1,500

29.9% APR

Exclusive Offer

Bip - Exclusive Offer

£1,200

29.9% APR

Post Office Classic 3 month Dual Credit Card

£1,500

29.9% APR

Vanquis with 6 month 0% Balance Transfer

£1,000

33.5% APR

118 118 Money Credit Card

£1,200

34.0% APR

Exclusive Offer

Fluid 12 Month Balance Transfer - Exclusive Offer

£2,500

34.9% APR

Capital One Balance Card

£1,500

34.9% APR

Aqua Classic Balance Transfer Card

£1,200

34.9% APR

Marbles Classic Balance Transfer Card

£1,200

34.9% APR

Capital One Complete Card

£1,500

34.9% APR

Capital One Classic

£1,500

34.9% APR

Ocean Finance Credit Card - Guaranteed 34.9% APR

£1,500

34.9% APR

Apply using the mobile app

Level Credit Card

£1,200

34.9% APR

Zopa Credit Card

£1,500

34.9% APR

Post Office Classic Card

£1,500

34.9% APR

Luma Purchase

£1,500

35.9% APR

Luma Classic

£1,500

35.9% APR

thinkmoney Credit Card

£1,500

39.9% APR

Ocean Finance Credit Card - Guaranteed 39.9% APR

£1,500