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aqua Reward With Cashback

aqua Reward With Cashback

Cashback
£20 Amazon voucher
Cashback

aqua Reward With Cashback

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% APR
Representative (variable)
£250
£1,200
Can I get this card?
?
To get this card you must at least:
  • 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)

Additional criteria for acceptance from the lender may apply.

Features £20 Amazon gift certificate exclusively through uSwitch (terms apply). 0.5% cashback and no foreign transaction fees. Credit limit increase possible after four 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

aqua Advance Credit Card

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% APR
Representative (variable)
£250
£1,200
Can I get this card?
?
To get this card you must at least:
  • 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)

Additional criteria for acceptance from the lender may 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

aqua Classic Credit Card

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% APR
Representative (variable)
£250
£1,200
Can I get this card?
?
To get this card you must at least:
  • 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)

Additional criteria for acceptance from the lender may apply.

Features Possibility to increase your credit limit on your fourth 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

Capital One Classic MasterCard

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 bankruptcies in the past 12 months
More info
34.9% APR
Representative (variable)
£200
£1,500
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have had credit in the UK before
  • have had no bankruptcies in the past 12 months

Additional criteria for acceptance from the lender may 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

Ocean Credit Card MasterCard

Ocean Credit Card MasterCard

To get this card you must:
  • be 18 or older
  • be a UK resident
  • be able to show some history of managing credit
More info
34.9% APR
Representative (variable)
£200
£1,500
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • be a UK resident
  • be able to show some history of managing credit

Additional criteria for acceptance from the lender may apply.

Features Manage your account online and with a smartphone. 60 second eligibility QuickCheck that will not affect your credit score. Suitable for people looking to rebuild their credit profile
Representative example: When you spend £1,200 at a rate of 34.94% (variable) per annum, your representative APR is 34.9% APR (variable)
aqua Start Credit Card

aqua Start Credit Card

aqua Start 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
49.9% APR
Representative (variable)
£100
£300
Can I get this card?
?
To get this card you must at least:
  • 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)

Additional criteria for acceptance from the lender may 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

Capital One Classic Platinum MasterCard

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 bankruptcies in the past 12 months
More info
29.8% APR
Representative (variable)
£200
£1,500
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have had credit in the UK before
  • have had no bankruptcies in the past 12 months

Additional criteria for acceptance from the lender may 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)
marbles classic 29.7% credit card

marbles classic 29.7% credit card

marbles classic 29.7% 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% APR
Representative (variable)
£250
£1,200
Can I get this card?
?
To get this card you must at least:
  • 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)

Additional criteria for acceptance from the lender may apply.

Features FastCheck your eligibility with instant response. Credit limit review after three months. UK-based customer helpline
Representative example: When you spend £1,200 at a rate of 29.75% (variable) per annum, your representative APR is 29.7% APR (variable)
Capital One Balance Transfer Card

Capital One Balance Transfer Card

Capital One Balance Transfer Card

To get this card you must:
  • be 18 or older
  • not been declared bankrupt in the last 12 months
  • not had any CCJs or defaults in the last 12 months
  • no transfers from Capital One
More info
34.9% APR
Representative (variable)
£200
£1,500
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • not been declared bankrupt in the last 12 months
  • not had any CCJs or defaults in the last 12 months
  • no transfers from Capital One

Additional criteria for acceptance from the lender may apply.

Features 0% interest on balance transfers for 6 months, with a balance transfer fee of 3%. Online response in 60 seconds. Mobile App and Email Alerts available
Representative example: When you spend £1,200 at a rate of 34.94% (variable) per annum, your representative APR is 34.9% APR (variable)
Vanquis Bank Aquis Visa Credit Card

Vanquis Bank Aquis Visa Credit Card

Vanquis Bank Aquis Visa Credit Card

To get this card you must:
  • be a permanent UK resident
  • be 18 or older
  • have not had bankruptcies in the last 12 months
  • not available to applicants who already hold a credit card provided by Vanquis Bank
More info
29.8% APR
Representative (variable)
£250
£1,000
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have not had bankruptcies in the last 12 months
  • not available to applicants who already hold a credit card provided by Vanquis Bank

Additional criteria for acceptance from the lender may apply.

Features Possibility to increase your credit limit after your fifth 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)
Vanquis Bank Visa Credit Card

Vanquis Bank Visa Credit Card

Vanquis Bank Visa Credit Card

To get this card you must:
  • be a permanent UK resident
  • be 18 or older
  • have not had bankruptcies in the last 12 months
  • not available to applicants who already hold a credit card provided by Vanquis Bank
More info
39.9% APR
Representative (variable)
£150
£1,000
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have not had bankruptcies in the last 12 months
  • not available to applicants who already hold a credit card provided by Vanquis Bank

Additional criteria for acceptance from the lender may 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)
Black Diamond Credit Card by Vanquis

Black Diamond Credit Card by Vanquis

Black Diamond Credit Card by Vanquis

To get this card you must:
  • be a permanent UK resident
  • be 18 or older
  • have not had bankruptcies in the last 12 months
  • not hold any Vanquis credit cards
More info
59.9% APR
Representative (variable)
£150
£1,000
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have not had bankruptcies in the last 12 months
  • not hold any Vanquis credit cards

Additional criteria for acceptance from the lender may apply.

Features Credit limit increase possible after fifth statement, further increases every five 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)
NEO Credit Card by Vanquis Bank

NEO Credit Card by Vanquis Bank

NEO Credit Card by Vanquis Bank

To get this card you must:
  • be a permanent UK resident
  • be 18 or older
  • have not had bankruptcies in the last 12 months
  • not available to applicants who already hold a credit card provided by Vanquis Bank
More info
39.9% APR
Representative (variable)
£150
£1,000
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have not had bankruptcies in the last 12 months
  • not available to applicants who already hold a credit card provided by Vanquis Bank

Additional criteria for acceptance from the lender may apply.

Features Designed to help build your credit rating. Mobile App, Text alerts and Online Account Servicing available
Representative example: When you spend £1,200 at a rate of 39.94% (variable) per annum, your representative APR is 39.9% APR (variable)
Barclaycard Initial Credit Card

Barclaycard Initial Credit Card

2016 award winner

Barclaycard Initial Credit Card

To get this card you must:
  • be employed and earning at least £3000 annually
  • be over 18 and have had credit in the UK and a permanent UK address for three months
  • have no County Court Judgements (CCJs) for non-payment of debt
  • have no recent record of missed bill payments
More info
34.9% APR
Representative (variable)
£150
£1,200
Can I get this card?
?
To get this card you must at least:
  • be employed and earning at least £3000 annually
  • be over 18 and have had credit in the UK and a permanent UK address for three months
  • have no County Court Judgements (CCJs) for non-payment of debt
  • have no recent record of missed bill payments

Additional criteria for acceptance from the lender may apply.

Features 3 months 0% on purchases. Possibility to reduce your APR
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 Origin Card

Vanquis Origin Card

Vanquis Origin Card

To get this card you must:
  • be a permanent UK resident
  • be 18 or older
  • have not had bankruptcies in the last 12 months
  • not hold any Vanquis credit cards
More info
59.9% APR
Representative (variable)
£150
£1,000
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have not had bankruptcies in the last 12 months
  • not hold any Vanquis credit cards

Additional criteria for acceptance from the lender may apply.

Features Designed to help build a strong credit rating. Build your way to a credit limit of up to £3,500. SMS and online account management
Representative example: When you spend £1,000 at a rate of 59.94% (variable) per annum, your representative APR is 59.9% APR (variable)
Tesco Bank Foundation Clubcard Credit Card

Tesco Bank Foundation Clubcard Credit Card

Tesco Bank Foundation Clubcard Credit Card

To get this card you must:
  • not have applied for a Tesco Bank Credit Card in the last 6 months
  • have an annual income of at least £5,000
  • be at least 18 years of age
  • be a permanent UK resident
  • have not had any bankruptcies in the past 18 months
  • have not had any county court judgements in the past 18 months
More info
27.5% APR
Representative (variable)
£250
Can I get this card?
?
To get this card you must at least:
  • not have applied for a Tesco Bank Credit Card in the last 6 months
  • have an annual income of at least £5,000
  • be at least 18 years of age
  • be a permanent UK resident
  • have not had any bankruptcies in the past 18 months
  • have not had any county court judgements in the past 18 months

Additional criteria for acceptance from the lender may apply.

Features Application response in 60 seconds. Designed to help build your credit rating. Credit limit subject to status
Representative example: When you spend £1,200 at a rate of 27.54% (variable) per annum, your representative APR is 27.5% APR (variable)
thinkmoney Credit Card

thinkmoney Credit Card

thinkmoney Credit Card

To get this card you must:
  • be 18 or older
  • be a UK resident
  • be able to show some history of managing credit
More info
35.9% APR
Representative (variable)
£200
£1,500
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • be a UK resident
  • be able to show some history of managing credit

Additional criteria for acceptance from the lender may apply.

Features Manage your account online and with a smartphone. 60 second eligibility QuickCheck that will not affect your credit score. Suitable for people looking to rebuild their credit profile
Representative example: When you spend £1,200 at a rate of 35.94% (variable) per annum, your representative APR is 35.9% APR (variable)
Chrome Credit Card 24.7% APR (variable)

Chrome Credit Card 24.7% APR (variable)

Chrome Credit Card 24.7% APR (variable)

To get this card you must:
  • be a permanent UK resident
  • be 18 or older
  • have not had bankruptcies in the last 12 months
  • not available to applicants who already hold a credit card provided by Vanquis Bank
More info
24.7% APR
Representative (variable)
£250
£1,000
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have not had bankruptcies in the last 12 months
  • not available to applicants who already hold a credit card provided by Vanquis Bank

Additional criteria for acceptance from the lender may apply.

Features New low APR card designed to help improve credit rating. Possibility to build Credit Limit up to £4000 over time. Online servicing, mobile app, SMS and email alerts
Representative example: When you spend £1,000 at a rate of 24.7% (variable) per annum, your representative APR is 24.7% APR (variable)
Chrome Credit Card 29.3% APR (variable)

Chrome Credit Card 29.3% APR (variable)

Chrome Credit Card 29.3% APR (variable)

To get this card you must:
  • be a permanent UK resident
  • be 18 or older
  • have not had bankruptcies in the last 12 months
  • not available to applicants who already hold a credit card provided by Vanquis Bank
More info
29.3% APR
Representative (variable)
£250
£1,000
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have not had bankruptcies in the last 12 months
  • not available to applicants who already hold a credit card provided by Vanquis Bank

Additional criteria for acceptance from the lender may apply.

Features New low APR card designed to help improve credit rating. Possibility to build Credit Limit up to £4000 over time. Online servicing, mobile app, SMS and email alerts
Representative example: When you spend £1,000 at a rate of 29.3% (variable) per annum, your representative APR is 29.3% APR (variable)
aqua Purchase Credit Card

aqua Purchase Credit Card

aqua Purchase 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% APR
Representative (variable)
Can I get this card?
?
To get this card you must at least:
  • 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)

Additional criteria for acceptance from the lender may apply.

Features 4 months 0% on purchases. Free unlimited access to your credit report
Representative example: When you spend £1,200 at a rate of 34.91% (variable) per annum, your representative APR is 34.9% 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.

Frequently asked questions

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.

Applying for credit cards with bad credit

Applying for credit cards when you have bad credit is something you should do carefully. If rejected for a card it could make it tougher to apply for the next one. So it can be a good idea to start with credit builder cards or ‘bad credit’ credit cards.

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.

What are 'top deals' and 'featured cards'

One way to sort our table is by ‘top deals’, whereby we highlight cards that are market leaders on uSwitch for particular features. For example, of all the credit cards charging no transfer fee, the one with the best overall offering on uSwitch might be a featured deal called ‘No transfer fee’.

We do this to highlight that it is the best in its class on our site. We check these deals weekly to ensure they really are the best on uSwitch in that area, so you can rest assured that our top deals are just that - the top deals on uSwitch.

Does uSwitch compare all the credit cards on the market?

We compare credit over 100 credit cards from all of the major banks and credit card providers.

However, we do not compare all the credit cards that are available in the UK.

This is because some credit card providers have offers that are only available exclusively through their own website or branch, or through other comparison websites - in the same way some credit cards are exclusively available through uSwitch.

There are also many credit cards that are only available to people in member organisations and clubs.

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