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 500,000 people

    Who have used this eligibility check in the past year

Check My Eligibility

Financial Conduct Authority Authorised & Regulated

Sort by:

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)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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)

Your best matched card

ADVERTISEMENT
granite Credit Card
granite Credit Card Image
£1,000
Max Credit Limit
34.9 % APR
Rep % APR (variable)
  • 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 £4,000

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 34.9% 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)

Your best matched card

ADVERTISEMENT
Ocean Finance Credit Card
Ocean Finance Credit Card 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)

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)

Your best matched card

ADVERTISEMENT
Luma Purchase
Luma Purchase Image
£1,500
Max Credit Limit
35.9 % APR
Rep % APR (variable)
  • 0% interest on purchases for 3 months, then 35.9% APR (variable)
  • For people with bad credit or who are looking to improve their current rating
  • Credit limits of up to £1,500
  • Quick & easy application - get a response in 60 seconds

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)

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.