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Compare The UK’s Top Cards for
People with Poor Credit

  • Boost your chances of approval

    Find the cards you’re most likely to get
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    See if you’ll be accepted before you apply
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    Who have used this eligibility check in the past year
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Chrome
Chrome Image
  • 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
Max Credit Limit
£1,000
Representative % APR (variable)
29.3 % APR
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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)

aqua Classic
aqua Classic Image
  • 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
Max Credit Limit
£1,200
Representative % APR (variable)
29.7 % APR
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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 29.7% 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)

marbles Classic
marbles Classic Image
  • 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
Max Credit Limit
£1,200
Representative % APR (variable)
29.7 % APR
See more details

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 29.7% 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)

Aquis Visa Card
Aquis Visa Card Image
  • 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
Max Credit Limit
£1,000
Representative % APR (variable)
29.8 % APR
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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)

Fluid 9 Month Balance Transfer
Fluid 9 Month Balance Transfer Image
  • 0% on balance transfers for nine months- 4% fee applies
  • Credit limits up to £2000
  • MI Money promotes the Fluid card exclusively with NewDay and acts solely as a credit broker
Max Credit Limit
£2,000
Representative % APR (variable)
29.9 % APR
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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 29.9% 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 29.9% APR (variable)

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

aqua classic with 6 month 0% Balance Transfer
aqua classic with 6 month 0% Balance Transfer Image
  • 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
Max Credit Limit
£1,200
Representative % APR (variable)
34.9 % APR
See more details

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 34.9% 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)

marbles Classic with 5 month 0% Balance Transfer
marbles Classic with 5 month 0% Balance Transfer Image
  • 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
Max Credit Limit
£1,200
Representative % APR (variable)
34.9 % APR
See more details

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 34.9% 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)

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

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 34.9% 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)

marbles Classic with 3 months 0% Purchase Offer
marbles Classic with 3 months 0% Purchase Offer Image
  • Could accept people with limited or no credit history
  • Credit limit of up to £1200
  • 0% on Purchases for 3 months
Max Credit Limit
£1,200
Representative % APR (variable)
34.9 % APR
See more details

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 34.9% 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)

aqua Advance
aqua Advance Image
  • 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
Max Credit Limit
£1,200
Representative % APR (variable)
34.9 % APR
See more details

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 34.9% 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)

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

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)

granite Credit Card
granite Credit Card Image
  • 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
Max Credit Limit
£1,000
Representative % APR (variable)
34.9 % APR
See more details

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)

opus Classic
opus Classic Image
  • 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
Max Credit Limit
£1,200
Representative % APR (variable)
34.9 % APR
See more details

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 34.9% 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)

Luma Purchase
Luma Purchase Image
  • 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
Max Credit Limit
£1,500
Representative % APR (variable)
35.9 % APR
See more details

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 35.9% 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 35.9% APR (variable)

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