You'll find UK credit cards from major banks and credit card companies across the market, making it easy to find the one that's right for you.
Uswitch Limited is a credit broker, not a lender, for consumer credit.
Our services are provided at no cost to you, but we may receive a commission from the companies we refer you to.
There's no such thing as a best credit card because what makes the best credit card for you will depend on your own financial situation.
But you can help improve your credit rating by using the right type of credit card in the right way.
There are credit cards available that are specifically designed for people who have a poor credit rating. Or who have little or no credit history.
But you need to make sure you're able to make your monthly repayments in full before taking out a credit card. If not, you could end up in debt, damaging your credit rating even more.
Just because you've had problems with credit in the past, it does not mean that you'll never be able to get a credit card.
Problems with credit could include:
A credit card for bad credit is a credit card specifically designed for people who have had problems with credit in the past.
A credit card for bad credit can help you improve your credit rating if you pay off what you've borrowed in full and on time each month.
By making your repayments, you're proving to lenders that you're not a financial risk and you can be trusted to make your repayments.
Bad credit credit card providers are more likely to accept your application compared to standard credit card providers. Even if you've been rejected in the past or you have a bad credit rating.
These credit cards usually come with a higher APR.
The annual percentage rate (APR) is the total cost of your borrowing over a year. It includes the interest rate you’ll pay on any remaining debt. And any other standard fees, including annual fees and arrangement fees.
You can avoid paying high interest rates by paying your balance off in full every month.
These cards often come with a low spending limit. That's because the lender sees you as a higher risk borrower compared to someone with a higher credit rating.
If you go over your limit, this will negatively impact your credit score. Make sure you know what your limit is and do not go over it.
If you've never had credit before, there's no way of lenders knowing whether you're a responsible borrower or not.
Credit builder cards can help you build up your credit score and create a positive repayment history. If paid off in full each month, you'll be showing lenders that you can successfully pay off a manageable debt each month.
But be careful of higher than usual APRs and low credit limits compared to standard credit cards.
Find out more about credit building credit cards
There are no credit cards on the market you can get approval for without having a credit check.
All credit card providers will look to see what kind of borrowing history you have. They'll do this before deciding whether to accept or decline your credit card application.
If you're struggling to get a credit or bank account but still want to build your credit rating you might want to consider a prepaid card.
No credit check is needed with a prepaid card. They work by loading money onto the card, similar to topping up a pay-as-you-go mobile phone.
A prepaid card can help with budgeting and limiting your chances of getting into debt as you’re unable to spend more than you have loaded on the card.
Find out more about prepaid cards
It's important to apply for the right credit card for your credit rating. If you apply for a credit card that's not suited to your financial situation, the lender might reject your application.
If your application is rejected, this will negatively impact your credit score. And you'll reduce your chances of getting credit in the future.
You can check how likely you are to get a card before you apply using our eligibility checker.
The eligibility checker works by running a soft credit check. This means you can check your eligibility without impacting your credit rating.
If you have a poor credit history, or not enough of a credit history, credit providers are likely to reject your application.
When you apply for credit, either a credit card, loan or mortgage, your credit provider will run a credit check to check your history of repayments. They'll be looking for evidence that you're a responsible borrower who'll be able to make their repayments.
Any information is usually held for between 5 and 6 years. But items like court or bankruptcy rulings might stay on your file for longer.
Providers are generally unwilling to take risks on people who do not have proof of a good credit history.
There are several reasons you might have been refused credit.
The more missed repayments you have, the worse your credit rating. And the less likely you are to be offered credit.
If you've missed a repayment in the past, your credit provider will record this and report it to the credit reference agencies.
Next time you want to borrow money from another provider they'll run a credit check. The provider will see that you’ve missed a repayment. And will use that information to decide how likely you are to make your future repayments.
When you're registered on the electoral roll, it tells your credit provider that you live where you say you do. It helps prove to them that you're not a fraudster.
If you're not on the electoral roll, in the eyes of the lender it increases the chance that your application is fraudulent.
If you've ever taken out a joint credit product with someone else, like a joint bank account this could influence your own credit rating.
You should avoid immediately applying for another credit card if you're recently had a credit card application rejected.
Every time you apply for a credit card, the provider will run a credit check. Frequent checks over a short period of time will look bad to providers, and could negatively affect your credit rating.
But there are some things you can do now to help improve your chances of getting a credit card in the future.
Knowing what's on your credit report will help you see what credit card providers see when you apply for a credit card.
It will show you:
Find out more in our credit report guide
Look for any information you think is wrong or out of date, including basic errors relating to your address or bank details. Or for anything that looks suspicious. If you find an error on your credit report, make any corrections as soon as possible.
Find out more about reporting an error on your credit report
Improving your credit rating could help boost your chances of being approved for credit in the future.
Building up a strong credit rating can take time. But there are some things you can do now to start improving your rating.Put direct debits in your name
Setting up direct debits to pay for things like household bills or mobile phone contracts shows lenders that you're capable of making regular repayments. Make sure you never miss a payment or this will negatively affect your credit ratingRegister to vote
Add your details to the electoral roll by registering to vote. Credit card providers will use information on the electoral roll to confirm that you are who you say you areClose accounts you no longer use
Credit card providers will look to see how much credit is already available to you. You can reduce this by closing accounts no longer in use
Find out more about how to improve your credit rating
When we use the term ‘most popular’ on Uswitch in reference to credit cards, these cards are ranked by the number of clicks they have received on the site in the past 48 hours.
The most clicked on cards are at the top, with the least at the bottom. This reflects how popular they are with visitors to Uswitch.com. Consequently, this is a good table to look at if you’re interested in seeing which cards most people think are worth getting.