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aqua Reward With Cashback

aqua Reward With Cashback

£20 Amazon voucher

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)
Barclaycard Platinum 18 Month Balance Transfer Visa Credit Card

Barclaycard Platinum 18 Month Balance Transfer Visa Credit Card

2016 award winner

Barclaycard Platinum 18 Month Balance Transfer Visa Credit Card

To get this card you must:
  • be a permanent UK resident
  • be 21 or older
  • have a good credit rating
  • have no history of bankruptcy
  • have no Country Court Judgements (past 5 years)
  • no balance transfers from Barclays Bank PLC, Barclays Group companies, or Partnership credit cards
More info
24.9% APR
Representative (variable)
£250
Can I get this card?
?
To get this card you must at least:
  • be a permanent UK resident
  • be 21 or older
  • have a good credit rating
  • have no history of bankruptcy
  • have no Country Court Judgements (past 5 years)
  • no balance transfers from Barclays Bank PLC, Barclays Group companies, or Partnership credit cards

Additional criteria for acceptance from the lender may apply.

Features 0% on balance transfers for 18 months;. 2.99% balance transfer fee, 0% on purchases for three months
Representative example: When you spend £1,200 at a rate of 22.44% (variable) per annum, your representative APR is 24.9% 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)
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 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)
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)
Luma MasterCard

Luma MasterCard

Luma 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
35.9% 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 Application response in 60 seconds. Designed to help build your credit rating
Representative example: When you spend £1,200 at a rate of 35.9% (variable) per annum, your representative APR is 35.9% 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)
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)
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)
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)
Luma Purchase Credit Card

Luma Purchase Credit Card

Luma Purchase Credit Card

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
35.9% 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 Up to £1,500 credit limit. Application response in 60 seconds. Designed to help build your credit rating
Representative example: When you spend £1,200 at a rate of 35.9% (variable) per annum, your representative APR is 35.9% APR (variable)
marbles classic 24.8% credit card

marbles classic 24.8% credit card

marbles classic 24.8% 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
24.84% 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 24.84% (variable) per annum, your representative APR is 24.84% 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)
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)
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)
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)
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)
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 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 unable to meet your repayments a credit card can be a risky proposition, but if you need to borrow you may be better off with a low APR credit card.

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.

What does 'most popular' mean?

Cards on this table are initially ranked by popularity, however you can alter the filters to rank by APR or minimum or maximum credit limit. Popularity on this table is based on how many people via uSwitch take out the cards from the lenders listed.

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.