Promotion

Reduce your interest rate with aqua Advance

  • Reduce your APR by up to 15% by paying on time
  • Free unlimited access to your credit report

34.9% APR Representative (variable)

Compare bad credit credit cards

Improve your credit rating with a credit builder card - also known as poor or bad credit credit cards. Compare credit cards for bad credit with uSwitch.

Sort by popularity Features Minimum credit limit Maximum credit limit APR
most popular credit builder
Capital One Classic MasterCard

Capital One Classic MasterCard

  • £200 to £1,500 credit limit
  • Those with past CCJs or defaults may be accepted
  • Designed to help build your credit rating
£200 minimum credit limit
£1,500 maximum credit limit (subject to status)
Representative 34.9% APR variable
Representative example: When you spend £1,200 at a rate of 34.94% (variable) per annum, your Representative APR is 34.9% APR (variable).
credit builder
Capital One Classic Preferred Platinum MasterCard

Capital One Classic Preferred Platinum MasterCard

  • Up to 56 days interest-free credit
  • Those with past CCJs or defaults may be accepted
  • Designed to help improve a fair or average credit rating
  • Apply now – this offer ends May 14th
£200 minimum credit limit
£1,500 maximum credit limit (subject to status)
Representative 28.9% APR variable
Representative example: When you spend £1,200 at a rate of 28.94% (variable) per annum, your Representative APR is 28.9% APR (variable).
credit builder
aqua Classic Credit Card

aqua Classic Credit Card

  • Credit limit increase possible after 4 months
  • Unlimited access to your credit report
  • Up to 51 days interest free credit
  • Designed to help build your credit rating
£100 minimum credit limit
£1,600 maximum credit limit (subject to status)
Representative 29.7% APR variable
Representative example: When you spend £1,200 at a rate of 29.73% (variable) per annum, your Representative APR is 29.7% APR (variable).
0% purchase credit builder
Luma Purchase MasterCard

Luma Purchase MasterCard

  • 0% on purchases until August 2014
  • 3 months 0% on purchases
  • Those with past CCJs or defaults may be accepted
  • Designed to help build your credit rating
£200 minimum credit limit
£1,500 maximum credit limit (subject to status)
Representative 35.9% APR variable
Representative example: When you spend £1,200 at a rate of 35.94% (variable) per annum, your Representative APR is 35.9% APR (variable).
credit builder
Vanquis Bank Aquis Visa

Vanquis Bank Aquis Visa

  • Up to 56 days interest free on purchases
  • SMS and online account management
  • Designed to help build your credit rating
£250 minimum credit limit
£1,000 maximum credit limit (subject to status)
Representative 29.8% APR variable
Representative example: When you spend £1,000 at a rate of 29.84% (variable) per annum, your Representative APR is 29.8% APR (variable).
credit builder cashback
Capital One Classic Extra

Capital One Classic Extra

  • 0.5% cashback on all purchases
  • £10 annual reward for paying on time each month
  • Designed to help rebuild a bad credit rating
  • No foreign transaction fees
  • No annual fee
£200 minimum credit limit
£1,500 maximum credit limit (subject to status)
Representative 34.9% APR variable
Representative example: When you spend £1,200 at a rate of 34.94% (variable) per annum, your Representative APR is 34.9% APR (variable).
credit builder
aqua Classic Credit Card

aqua Classic Credit Card

  • Unlimited access to your credit report
  • Those with past CCJs or defaults may be accepted
  • Designed to help build your credit rating
£250 minimum credit limit
£1,600 maximum credit limit (subject to status)
Representative 39.9% APR variable
Representative example: When you spend £1,200 at a rate of 39.95% (variable) per annum, your Representative APR is 39.9% APR (variable).
credit builder
aqua Advance Credit Card

aqua Advance Credit Card

  • Possibility to reduce APR to 19.9% if you pay on time
  • Unlimited access to your credit report
  • Up to 51 days interest free credit
  • No foreign transaction fees
£100 minimum credit limit
£1,600 maximum credit limit (subject to status)
Representative 34.9% APR variable
Representative example: When you spend £1,200 at a rate of 34.92% (variable) per annum, your Representative APR is 34.9% APR (variable).
credit builder
Vanquis Bank Visa

Vanquis Bank Visa

  • Up to 56 days interest free on purchases
  • SMS and online account management
  • Designed to help rebuild a poor credit rating
£150 minimum credit limit
£1,000 maximum credit limit (subject to status)
Representative 39.9% APR variable
Representative example: When you spend £1,000 at a rate of 39.94% (variable) per annum, your Representative APR is 39.9% APR (variable).
credit builder
Barclaycard Initial

Barclaycard Initial

  • Designed to help improve your credit rating
  • Possibility to reduce your APR
  • 3 months 0% on purchases
£150 minimum credit limit
£1,200 maximum credit limit (subject to status)
Representative 34.9% APR variable
Representative example: When you spend £1,200 at a rate of 34.9% (variable) per annum, your Representative APR is 34.9% APR (variable).
credit builder cashback
aqua Reward MasterCard

aqua Reward MasterCard

  • 0.5% cashback on all purchases
  • Unlimited access to your credit report
  • No foreign transaction fees
  • Up to 51 days interest free credit
  • Credit limit increase possible after 4 months
£100 minimum credit limit
£1,600 maximum credit limit (subject to status)
Representative 34.9% APR variable
Representative example: When you spend £1,200 at a rate of 34.92% (variable) per annum, your Representative APR is 34.9% APR (variable).
credit builder
Black Diamond Credit Card by Vanquis

Black Diamond Credit Card by Vanquis

  • £150 to £1,000 credit limit
  • Up to 56 days interest free credit on purchases
  • Credit limit increases up to a maximum of £3,000
  • Designed to help build your credit rating
£150 minimum credit limit
£1,000 maximum credit limit (subject to status)
Representative 59.9% APR variable
Representative example: When you spend £250 at a rate of 59.94% (variable) per annum, your Representative APR is 59.9% APR (variable).

uSwitch is authorised and regulated by the Financial Conduct Authority (FSA FRN 312850) to provide this credit card comparison service with information provided by Moneyfacts.co.uk who are authorised and regulated by the Financial Conduct Authority (FSA FRN 486048).

About bad credit credit cards

If you're looking for a credit card to rebuild your credit rating, uSwitch can help.

We compare the best credit cards for bad credit on the market - cards that can help repair your credit rating or strengthen it if you have no credit history at all. These are sometimes called credit building credit cards.

What are credit builder or credit cards for bad credit?

These types of credit card are designed for people struggling with either a poor or limited credit rating.

They can help to create a positive loan repayment history, as the fact that you are successfully paying off a manageable credit card debt every month is noted on your credit file. This is why they're often called credit building credit cards rather than simply 'credit cards for poor credit rating'.

Reasons for bad credit

A bad credit rating can often be the result of one or more of the following:

  • Not paying utility bills, credit card bills, loan repayments or rent on time
  • County Court Judgments (CCJs)
  • Not being on the electoral register

Improving your credit rating

A good start is to understand what you can and can’t afford to borrow before you start comparing credit cards for people with bad credit.

You should make sure that your credit limit is something you’re able to manage consistently over a period of time until you repay the amount in full, even if it's with credit cards for poor credit rating - you’ll then start to establish a better credit history and increase your chances of eligibility with future providers.

Your credit card billing address should also match the address you're registered to vote at, as any differences could affect your credit file.

The disadvantages of bad credit and credit builder cards

By offering credit cards for bad credit, providers understand that many applicants will have a history of not meeting their repayment – this means that credit building credit cards will charger higher standard interest rates.

These interest rates come in at around 30% and above - higher than most credit card providers.

Credit cards for bad credit - bills and rates

If you’re able to meet your monthly repayments on your credit building credit cards, it’s likely that you’ll be offered a card with a better rate in the future. However, if you default at any time your credit rating is likely to worsen and you'll find your pool of credit cards for people with bad credit getting shallower.

As with most credit cards, if you pay off your bills at the end of every month you won’t pay any interest - regardless of the rate. Despite this, it’s still worth looking for the lowest rate possible just in case, as credit cards for poor credit can sting you in the event you can't pay off your bill in full.

Compare bad credit credit cards with uSwitch

Our credit card comparison table allows you to filter the best cards specifically designed to help strengthen your credit rating - compare credit cards for bad credit today.