Compare bad credit credit cards

Got a bad credit rating? Bad credit credit cards give you access to credit and can help improve your credit file. Looking to improve your credit score? Try our credit-builder page instead

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aqua Reward MasterCard

Bad Credit Travel Cashback Credit Building

aqua Reward MasterCard

To get this card you must:
  • be 18 or older
  • have a permanent UK address
  • have a UK current bank or building society account
  • not be registered bankrupt in past 18 months or have proceedings
  • have no Country Court Judgements (past 12 months)
more info
34.9%
Representative (variable)
£250
£1,200
Apply
Features 0.5% cashback and no foreign transaction fees. Unlimited access to your credit report. Credit limit increase possible after 4 months
Representative example: When you spend £1,200 at a rate of 34.91% (variable) per annum, your representative APR is 34.9% APR (variable).

aqua Advance Credit Card

Bad Credit Credit Building Travel

aqua Advance Credit Card

To get this card you must:
  • be 18 or older
  • have a permanent UK address
  • have a UK current bank or building society account
  • not be registered bankrupt in past 18 months or have proceedings
  • have no Country Court Judgements (past 12 months)
more info
34.9%
Representative (variable)
£250
£1,200
Apply
Features 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
Representative example: When you spend £1,200 at a rate of 34.91% (variable) per annum, your representative APR is 34.9% APR (variable).

aqua Classic Credit Card

Bad Credit Credit Building

aqua Classic Credit Card

To get this card you must:
  • be 18 or older
  • have a permanent UK address
  • have a UK current bank or building society account
  • not be registered bankrupt in past 18 months or have proceedings
  • have no Country Court Judgements (past 12 months)
more info
29.7%
Representative (variable)
£250
£1,200
Apply
Features Possibility to increase your credit limit on your 4th statement. Unlimited access to your credit report. Designed to help build your credit rating
Representative example: When you spend £1,200 at a rate of 29.71% (variable) per annum, your representative APR is 29.7% APR (variable).

Capital One Classic MasterCard

Bad Credit Credit Building No Annual Fee

Capital One Classic MasterCard

To get this card you must:
  • be a permanent UK resident
  • be 18 or older
  • have had credit in the UK before
  • have had no bankrupties in the past 12 months
more info
34.9%
Representative (variable)
£200
£1,500
Apply
Features Designed to help improve your credit rating. Up to two optional credit limit increases per year. Apply and get a response in 60 seconds
Representative example: When you spend £1,200 at a rate of 34.94% (variable) per annum, your representative APR is 34.9% APR (variable).

Ocean Credit Card MasterCard

most popular Bad Credit Credit Building

Ocean Credit Card MasterCard

To get this card you must:
  • be 18 or older
  • be on the electoral roll
  • be able to show some history of managing credit
more info
34.9%
Representative (variable)
£200
£1,500
Apply
Features Manage your account online and with a smartphone. Apply and get a response in 60 seconds. Suitable for people looking to rebuild their credit profile
Representative example: When you spend £1,200 at a rate of 34.9% (variable) per annum, your representative APR is 34.9% APR (variable).

Vanquis Bank Visa

Bad Credit

Vanquis Bank Visa

To get this card you must:
  • be a permanent UK resident
  • be 18 or older
  • have had credit in the UK before
more info
39.9%
Representative (variable)
£150
£1,000
Apply
Features Up to 56 days interest free on purchases. SMS and online account management. Designed to help rebuild a poor credit rating*
Representative example: When you spend £1,000 at a rate of 39.94% (variable) per annum, your representative APR is 39.9% APR (variable).

Vanquis Bank Aquis Visa

Bad Credit Credit Building No Annual Fee

Vanquis Bank Aquis Visa

To get this card you must:
  • be a permanent UK resident
  • be 18 or older
  • have had credit in the UK before
more info
29.8%
Representative (variable)
£250
£1,000
Apply
Features Possibility to increase your credit limit after your 5th statement. Up to 56 days interest free on purchases. Designed to help build your credit rating*
Representative example: When you spend £1,000 at a rate of 29.84% (variable) per annum, your representative APR is 29.8% APR (variable).

Black Diamond Credit Card by Vanquis

Bad Credit No Annual Fee

Black Diamond Credit Card by Vanquis

To get this card you must:
  • be a permanent UK resident
  • be 18 or older
  • have had credit in the UK before
more info
59.9%
Representative (variable)
£150
£1,000
Apply
Features Credit Limit increase possible after 5th statement, further increases every 5 months, up to £3,500*^. Designed to help build your credit rating*. Up to 56 days interest free credit on purchases
Representative example: When you spend £250 at a rate of 59.94% (variable) per annum, your representative APR is 59.9% APR (variable).

aqua Start

Bad Credit Credit Building

aqua Start

To get this card you must:
  • be 18 or older
  • have a permanent UK address
  • have a UK current bank or building society account
  • not be registered bankrupt in past 18 months or have proceedings
  • have no Country Court Judgements (past 12 months)
more info
49.9%
Representative (variable)
£100
£300
Apply
Features Start with limited credit and increase your credit limit after four months. Designed to help build your credit rating. Unlimited access to your credit report
Representative example: When you spend £300 at a rate of 49.9% (variable) per annum, your representative APR is 49.9% APR (variable).

Capital One Classic Platinum MasterCard

Credit Building No Annual Fee Bad Credit

Capital One Classic Platinum MasterCard

To get this card you must:
  • be a permanent UK resident
  • be 18 or older
  • have had credit in the UK before
  • have had no bankrupties in the past 12 months
more info
29.8%
Representative (variable)
£200
£1,500
Apply
Features Designed to help improve your credit rating. Up to two optional credit limit increases per year. Apply and get a response in 60 seconds
Representative example: When you spend £1,200 at a rate of 29.84% (variable) per annum, your representative APR is 29.8% APR (variable).

uSwitch Limited is a credit broker, not a lender, for consumer credit products.

uSwitch services are provided at no cost to you, but we may receive a commission from the companies we refer you to.

Compare bad credit credit cards

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.

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