Promotion

Looking for your first credit card, or have a limited credit history?

  • Credit limit up to £1,200
  • Six month introductory offer on purchases

34.9% APR Representative (variable)

Compare credit building credit cards

Improve your credit rating with a credit building credit card — designed for those looking for their first credit card or wishing to improve a poor credit history.


Sort by popularity Features Minimum credit limit Maximum credit limit APR
bad credit credit building instant decision
Ocean Credit Card MasterCard

Ocean Credit Card MasterCard

  • 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
more info
£200 minimum credit limit
£1,500 maximum credit limit (subject to status)
34.9% APR Representative (variable)
Apply
Representative example: When you spend £1,200 at a rate of 34.9% (variable) per annum, your representative APR is 34.9% APR (variable).
most popular credit building
Lloyds Bank Classic MasterCard

Lloyds Bank Classic MasterCard

  • 0% for 3 months from account opening on purchases
  • Minimum credit limit of £500 if accepted
  • 25.9% rate if accepted
  • No Annual Fee
more info
£500 minimum credit limit
25.9% APR Representative (variable)
Apply
Representative example: When you spend £1,200 at a rate of 25.95% (variable) per annum, your representative APR is 25.9% APR (variable).
0% balance transfer credit building no annual fee
Barclaycard Platinum 18 Month Balance Transfer Visa

Barclaycard Platinum 18 Month Balance Transfer Visa

  • For people with limited, but good credit history
  • 0% on balance transfers for 18 months
  • 2.9% balance transfer fee
  • 0% on purchases for 3 months
more info
£250 minimum credit limit
24.9% APR Representative (variable)
Apply
Representative example: When you spend £1,200 at a rate of 24.9% (variable) per annum, your representative APR is 24.9% APR (variable).
bad credit credit building
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
more info
£250 minimum credit limit
£1,200 maximum credit limit (subject to status)
29.7% APR Representative (variable)
Apply
Representative example: When you spend £1,200 at a rate of 29.71% (variable) per annum, your representative APR is 29.7% APR (variable).
limited offer credit building bad credit no annual fee
Barclaycard Initial

Barclaycard Initial

  • 6 months 0% on purchases
  • Designed to help improve your credit rating
  • Possibility to reduce your APR
more info
£150 minimum credit limit
34.9% APR Representative (variable)
Apply
Representative example: When you spend £1,200 at a rate of 34.9% (variable) per annum, your representative APR is 34.9% APR (variable).
bad credit credit building instant decision
Capital One Classic Platinum MasterCard

Capital One Classic Platinum MasterCard

  • Up to 56 days interest-free credit
  • Designed to help improve your credit rating
  • Apply and get a response in 60 seconds
more info
£200 minimum credit limit
£1,500 maximum credit limit (subject to status)
29.8% APR Representative (variable)
Apply
Representative example: When you spend £1,200 at a rate of 29.4% (variable) per annum, your representative APR is 29.8% APR (variable).
credit building instant decision
Luma MasterCard

Luma MasterCard

  • Up to £1,500 credit limit
  • Application response in 60 seconds
  • Designed to help build your credit rating
more info
£1,500 maximum credit limit (subject to status)
35.9% APR Representative (variable)
Apply
Representative example: When you spend £1,200 at a rate of 35.94% (variable) per annum, your representative APR is 35.9% APR (variable).
bad credit credit building no annual fee
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
more info
£150 minimum credit limit
£1,000 maximum credit limit (subject to status)
29.8% APR Representative (variable)
Apply
Representative example: When you spend £1,000 at a rate of 29.84% (variable) per annum, your representative APR is 29.8% APR (variable).
bad credit travel cashback credit building
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
more info
£250 minimum credit limit
£1,200 maximum credit limit (subject to status)
34.9% APR Representative (variable)
Apply
Representative example: When you spend £1,200 at a rate of 34.91% (variable) per annum, your representative APR is 34.9% APR (variable).
new release bad credit credit building
aqua Start

aqua Start

  • Text reminders to help you stay in control
  • Designed to help build your credit rating
  • Unlimited access to your credit report
more info
£100 minimum credit limit
£300 maximum credit limit (subject to status)
49.9% APR Representative (variable)
Apply
Representative example: When you spend £300 at a rate of 49.9% (variable) per annum, your representative APR is 49.9% APR (variable).
bad credit credit building travel
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
more info
£250 minimum credit limit
£1,200 maximum credit limit (subject to status)
34.9% APR Representative (variable)
Apply
Representative example: When you spend £1,200 at a rate of 34.91% (variable) per annum, your representative APR is 34.9% APR (variable).
bad credit credit building instant decision
Capital One Classic MasterCard

Capital One Classic MasterCard

  • Designed to help build your credit rating
  • Apply and get a response in 60 seconds
  • Fraud protection (no internet fraud liability)
more info
£200 minimum credit limit
£1,500 maximum credit limit (subject to status)
34.9% APR Representative (variable)
Apply
Representative example: When you spend £1,200 at a rate of 34.94% (variable) per annum, your representative APR is 34.9% APR (variable).

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uSwitch services are provided at no cost to you, but we may receive compensation from some of the providers.

About credit building credit cards

Use our credit card table above to compare credit building credit cards. uSwitch compares credit building credit cards, which are designed for people who are new to credit and therefore have a low credit score, or those looking to improve a previously poor credit history.

What are credit building credit cards?

Credit building credit cards, sometimes known as bad credit credit cards, are just like any other credit card, but these credit cards are more likely to approve your application even if you have a low credit score or have a missed payment or two in your credit history.

By using a credit building credit card, someone with a limited or poor credit history, can rebuild his or her credit score.

In creating a positive history of financial repayments on your new credit building credit card, your credit score is likely to improve and give you a better chance of being approved for other credit products in the future.

Why would someone need a credit building credit card?

A low or bad credit score can be the result of a number of factors, some of which can be quite surprising, and others, which are not a surprise at all:

  • Not having a history of credit. It may seem counter intuitive, but if you’ve never had a credit card, loan, or never even paid off any utility bills at home, your credit score is likely to be quite low. This is because lenders want to see a history of repayments to know they can trust you with paying back their money.
  • Not paying your bills on time. Unsurprisingly, if you miss a payment or fail to pay your bills on time, be it a credit card or even a mobile phone bill, it will show up on your credit report, which all lenders can see.
  • Not having your name on the electoral register. Signing up for the electoral register in your area is a signal to lenders that you are less likely to commit fraud, as your address and your name are linked together.
  • CCJs or bankruptcy. County Court Judgments (CCJs) and/or being made bankrupt in the past will significantly reduce your chances of being able to obtain credit again.
  • A credit building credit card can help obtain credit when it would normally seem less likely. But before you even compare credit building credit cards, it’s important to look at what you can do to begin improving your credit score.

    How to improve your credit rating

    It’s worth looking at your finances and assessing how much you need to borrow to get by, and more importantly, how much you can afford to pay back each month.

    The more you can pay back each month, the better. Ideally, if you can pay back the full amount each month on your credit card then you can avoid paying the interest on your lending. This will also help improve your credit score.

    If you are on the electoral register then the address you’re registered to vote at will match up with your credit card billing address, and this will help your chances of being approved for a credit card application.

    If you haven’t got any history of repayments, then it might be worth putting your name on some utility bills at home and paying them in your name. This will show up on your credit report and demonstrate to lenders that you have a history of repayments.

    Credit building credit cards – the disadvantages

    Credit card providers who offer credit building credit cards are aware that their target audience is people who have no or limited history of credit or even a poor credit history.

    This means that the credit card provider will charge a higher rate of interest to mitigate the perceived risk of lending to someone with a limited or poor credit history.

    Credit building credit cards will have interest rates of around 30% to 50%, sometimes higher, which in comparison with many other credit cards can be much higher.

    Credit limits on credit building credit cards are also usually much lower than on most other credit cards.

    This can be a positive as it means you have to control your spending much more to avoid going over your limit, and thus, should make it more manageable to pay off your balance each month.

    Credit building credit cards – improving your finances

    Once you have a credit building credit card, your priority should be to maintain repayments – ideally by setting up a Direct Debit – and to ensure you stick to your limit.

    If you can keep it up, you’ll be in a position to negotiate a better deal for your self with your credit card provider.

    Many credit building credit cards already have features that allow you to increase your credit limit or reduce your APR on the condition that you make repayments on time.

    The incentive of improving your credit score should also be enough, as in the future you will have more chance of getting a better mobile phone contract, energy deal, credit card, loan, current account or mortgage.

    Your credit report and score affects many consumers choices, so if you do get a credit building credit card, it’s important to use it effectively.

    Compare credit building credit cards with uSwitch

    You can compare credit cards for people with bad credit and credit building credit cards with uSwitch’s comparison tables above.