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 one million customers

    Who have signed up to TotallyMoney

Check My Eligibility

Financial Conduct Authority Authorised & Regulated

Sort by:
Chrome
Chrome Image
Max Credit Limit
£1,000
Rep % APR (variable)
29.3 % APR
  • 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 Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR, 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 29.3% p.a. (variable) your representative APR will be 29.3% APR (variable)

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)

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

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR, 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 29.75% p.a. (variable) your representative APR will be 29.7% APR (variable)

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)

marbles Classic
marbles Classic Image
Max Credit Limit
£1,200
Rep % APR (variable)
29.7 % APR
  • 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 Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR, 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 29.75% p.a. (variable) your representative APR will be 29.7% APR (variable)

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)

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

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR, 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 29.8% p.a. (variable) your representative APR will be 29.8% APR (variable)

If you spend £1,000 at a purchase interest rate of 29.8% p.a. (variable) your representative APR will be 29.8% APR (variable)

Fluid 10 Month Balance Transfer - Exclusive Offer
Fluid 10 Month Balance Transfer Image
Max Credit Limit
£2,000
Rep % APR (variable)
29.9 % APR
  • 0% on balance transfers for 10 months (4% fee)
  • Credit limits up to £2000

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR, 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)

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)

118 118 Credit Card - Exclusive Offer
118 118 Credit Card Image
Max Credit Limit
£1,200
Rep % APR (fixed)
34.5 % APR
  • Exclusive Offer - Get £10 Cash Back after 3 months of staying under your limit with no missed payments
  • Monthly subscription fees starting from £8 (Dependent on your credit limit, maximum £17 a month)
  • No interest or fees other than the monthly subscription fee
  • No cash withdrawal fees

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR, 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 0% p.a. (fixed) with an annual fee of £204 your representative APR will be 34.5% APR (fixed)

If you spend £1,200 at a purchase interest rate of 0% p.a. (fixed) with an annual fee of £204 your representative APR will be 34.5% APR (fixed)

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

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR, 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 34.94% p.a. (variable) your representative APR will be 34.9% APR (variable)

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

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR, 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 34.95% p.a. (variable) your representative APR will be 34.9% APR (variable)

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 with 5 month 0% Balance Transfer
marbles Classic with 5 month 0% Balance Transfer Image
Max Credit Limit
£1,200
Rep % APR (variable)
34.9 % APR
  • 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 Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR, 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 34.95% p.a. (variable) your representative APR will be 34.9% APR (variable)

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)

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

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR, 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 34.95% p.a. (variable) your representative APR will be 34.9% APR (variable)

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 with 5 months 0% Purchase Offer
marbles Classic with 5 months 0% Purchase Offer Image
Max Credit Limit
£1,200
Rep % APR (variable)
34.9 % APR
  • Could accept people with limited or no credit history
  • Credit limit of up to £1200
  • 0% on Purchases for 5 months

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR, 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 34.95% p.a. (variable) your representative APR will be 34.9% APR (variable)

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 Classic Purchase Card
Capital One Classic Purchase Card Image
Max Credit Limit
£1,500
Rep % APR (variable)
34.9 % APR
  • 0% interest on purchases for 3 months
  • For people who want to build or rebuild their credit history – even if they have had problems with credit in the past
  • Credit limit from £200 to £1,500

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR, 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 34.94% p.a. (variable) your representative APR will be 34.9% APR (variable)

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 Advance
aqua Advance Image
Max Credit Limit
£1,200
Rep % APR (variable)
34.9 % APR
  • 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 Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR, 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 34.95% p.a. (variable) your representative APR will be 34.9% APR (variable)

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

Representative Example

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR, 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 34.94% p.a. (variable) your representative APR will be 34.9% APR (variable)

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)

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

Representative Example and Representative APR.

The Representative Example shows you the Purchase APR, 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 34.9% p.a. (variable) your representative APR will be 34.9% APR (variable)

If you spend £1,000 at a purchase interest rate of 34.9% p.a. (variable) your representative APR will be 34.9% 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.