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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. Compare credit building cards from 10 companies below.

Check your eligibility for credit cards

  • 1Improve your chances of being accepted
  • 2It won't affect your credit score
  • 3It's quick, free and easy

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Fluid 9 month Balance Transfer Credit Card

Fluid 9 month Balance Transfer Credit Card
29.9% APR
Representative APR (variable)
£300
Minimum credit limit
£2500
Maximum credit limit
Apply
Representative example: When you spend £1,200 at a rate of 29.94% (variable) per annum, your representative APR is 29.90% APR (variable)
Card details
  • All approved cardholders get a nine-month balance transfer offer
  • 0% on balance transfers for 9 months (4% fee).
  • Any introductory balance transfer offer must be made within the first 60 days of account opening for new customers.
  • Free text alerts
  • Flexible payment dates
To get this card you must at least:
  • be 18 or older
  • have a permanent UK address
  • have a current UK bank or building society account
  • not be registered bankrupt in the last 18 months or have proceedings
  • have no CCJs (past 12 months)
  • not have taken out a marbles, opus or aqua card in the past 12 months

Additional criteria for acceptance from the lender may apply.

Barclaycard Forward Credit Card

Barclaycard Forward Credit Card
34.9% APR
Representative APR (variable)
£50
Minimum credit limit
£1200
Maximum credit limit
Apply
Representative example: When you spend £1,200 at a rate of 34.90% (variable) per annum, your representative APR is 34.90% APR (variable)
Card details
  • Price promise – 3% interest rate reduction if you make all your payments on time and stay within your credit limit for the first year. Keep it going in the second year and you’ll get another 2% reduction. T & Cs apply.
  • The rate shown here is the rate you will receive if you are accepted for the card
  • 3 months 0% on purchases
  • Manage your account with text alerts and build your credit score
To get this card you must at least:
  • be a permanent UK resident
  • be 18 years or over
  • not already hold a Barclaycard credit card
  • be employed and earning at least £3000 annually
  • not have had any Individual Voluntary arrangements, County Court Judgements and must not have been declared bankrupt

Additional criteria for acceptance from the lender may apply.

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.

Frequently asked questions

About credit building credit cards

Credit building credit cards, are designed for people who are new to credit and have a low credit score. Or those looking to improve a previously poor credit history.

What are credit building credit cards?

A credit building credit card can rebuild your credit score if you have a limited or poor credit history.

Even if you have a low credit score, credit building credit cards are more likely to approve your application.

Once you get a card, your credit score is likely to improve. You'll be creating a positive history of financial repayments on your new credit building credit card. And you're likely to have a better chance of being approved for other credit products in the future.

Why would someone need a credit building credit card?

A credit building card can help you get credit when it would normally seem unlikely. 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.

A low or bad credit score can be the result of a number of factors, some more surprising than others:

Not having a history of credit

If you’ve never had a credit card, loan, or 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

If you miss a payment or fail to pay your bills on time, on a credit card or mobile phone bill, it will show up on your credit report. All lenders can see this.

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. That's because 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 get credit again.

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.

Pay back in full each month

You can avoid paying the interest on your lending if you can pay back the full amount each month on your credit card. This will also help improve your credit score.

If you're unable to meet your repayments a credit card can be a risky option. But if you need to borrow you might be better off with a low APR credit card

Get on the electoral register

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

Pay bills in your name

If you have no history of repayments, 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 proves to lenders that you have a history of repayments.

Things to consider before applying for a credit building credit card

High interest rates

Credit card providers who offer credit building credit cards are aware of their target audience. They know it's 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. This is to reduce 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. This is a much higher rate compared to many other credit cards.

Low credit limits

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

But this can also be positive. It means you have to control your spending much more to avoid going over your limit. This 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. You can do this by setting up a Direct Debit to make sure you stick to your limit.

If you can keep it up, you’ll be in a position to negotiate a better deal 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. But this is on the condition that you make repayments on time.

By using your credit building credit card, you'll be improving your credit score. And in the future you'll have more chance of getting a better:

  • Mobile phone contract
  • Energy deal
  • Credit card
  • Loan
  • Current account
  • 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.