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Credit Building Cards

  • Compare the latest credit building cards that could help you improve your credit rating
  • These cards are designed for those looking for their first credit card or looking to improve poor credit history.
  • There are 14 out of 87 cards matching this search.

What type of card are you looking for?

Your current view is listed by:
  • Tesco Bank Foundation Clubcard Credit Card

    • Stay in control of your credit score through our partnership with Noddle, part of the Call Credit Information Group.
    • Collect Clubcard points wherever you use your card, plus your usual points in Tesco. Terms apply.
    • Apply online and get a decision within 60 seconds.
  • Min Credit
    £250
  • Representative APR
    27.5% APR
    (Variable)
  • See Deal + Details
  • Additional Information

      • Lower credit limits starting from £250, which we'll review regularly.
      • Flexible and manageable monthly repayments from £25.
      • Our mobile app helps you keep on top of your spending, on the move.
      • Set up text and email alerts to help avoid missing repayments.
    • Provider
      Tesco Bank

    Before you Continue...

    • You must be at least 18 years old to apply.
      • You must live in the UK or have a BFPO address to apply.
      • You must not be registered bankrupt in the past 18 months or have proceedings.
      • You must not have had County Court Judgements in the past 18 months.
    • Min Age
      18
    • Visit Website
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 27.5% (variable), representative 27.5% APR (variable). Credit available subject to status.

  • Marbles Classic Credit Card

    • Start with an easy-to-manage credit limit of £100 - £1,200.
    • FastCheck your eligibility for an instant response before you apply.
    • Manage your account online.
  • Min Credit
    £100
  • Representative APR
    24.8% APR
    (Variable)
  • See Deal + Details
  • Additional Information

    • Provider
      NewDay Ltd

    Before you Continue...

    • You must be at least 18 years old to apply.
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 24.84% (variable), representative 24.8% APR (variable). Credit available subject to status.

  • Vanquis Chrome 29.3% Credit Card

    • Start with a manageable Credit Limit of £250 up to £1,000.
    • Online servicing, mobile app, SMS and email alerts.
    • UK based Customer Service Call Centres.
    • Dedicated fraud monitoring - Designed to protect your Chrome account 24 hours a day.
  • Min Credit
    £250
    Max Credit
    £4,000
  • Max Credit
    £4,000
  • Representative APR
    29.3% APR
    (Variable)
  • See Deal + Details
  • Additional Information

      • You could build your Credit Limit up to £4,000 over time.
      • Enjoy the new low APR Credit Card - designed to help you improve your credit rating.
    • Max Credit
      £4,000
    • Provider
      Vanquis Bank

    Before you Continue...

    • You must be at least 18 years old to apply.
      • Not eligible to apply if you already hold or have applied for in the last 6 months any other credit card provided by Vanquis Bank.
    • Min Age
      18
    • Visit Website
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 29.3% (variable), representative 29.3% APR (variable). Credit available subject to status.

  • aqua Classic 29.7% Credit Card

    • Free aqua credit checker.
    • SMS text reminders to help you stay in control.
    • Credit limit of £250 - £1,200 with a possible increase after four months.
    • aqua has said YES to over 750,000 customers in the UK.
  • Min Credit
    £250
  • Representative APR
    29.7% APR
    (Variable)
  • See Deal + Details
  • Additional Information

    • Provider
      NewDay Ltd

    Before you Continue...

    • You must be at least 18 years old to apply.
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 29.75% (variable), representative 29.7% APR (variable). Credit available subject to status.

  • Aquis Visa Credit Card

    • This card helps you build a good credit history to improve your credit rating. You could get Credit Limit increases every 5 months up to £4,000 (subject to terms and conditions).
    • UK call centre for customer services, SMS and online account management.
    • No annual or monthly fees.
    • 24/7 Fraud Watch.
  • Min Credit
    £250
    Max Credit
    £4,000
  • Max Credit
    £4,000
  • Representative APR
    29.8% APR
    (Variable)
  • See Deal + Details
  • Additional Information

      • There is a minimum credit limit of £250.00
      • Credit limit is subject to status
    • Max Credit
      £4,000
    • Provider
      Vanquis Bank

    Before you Continue...

    • You must be at least 18 years old to apply.
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 29.84% (variable), representative 29.8% APR (variable). Credit available subject to status.

  • Capital One Classic Platinum Credit Card

    • For people with bad credit or who are looking to improve their current rating.
    • Up to two optional credit increases per year, subject to eligibility.
    • Email alerts to help you stay in control.
  • Min Credit
    £200
    Max Credit
    £1,500
  • Max Credit
    £1,500
  • Representative APR
    29.8% APR
    (Variable)
  • See Deal + Details
  • Additional Information

      • Credit limit is subject to status
    • Max Credit
      £1,500
    • Provider
      Capital One

    Before you Continue...

    • You must be at least 18 years old to apply.
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 29.84% (variable), representative 29.8% APR (variable). Credit available subject to status.

  • aqua Advance Credit Card

    • Free aqua credit checker.
    • Repay on time and your rate could reduce to 19.9% APR.
    • No foreign exchange fees.
    • SMS text reminders to help you stay in control.
    • Credit limit of £250 - £1,200 with a possible increase after four months.
    • aqua has said YES to over 750,000 customers in the UK.
  • Min Credit
    £250
  • Representative APR
    34.9% APR
    (Variable)
  • See Deal + Details
  • Additional Information

    • Provider
      NewDay Ltd

    Before you Continue...

    • You must be at least 18 years old to apply.
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 34.91% (variable), representative 34.9% APR (variable). Credit available subject to status.

  • Capital One Classic Credit Card

    • For people with bad credit or who are looking to improve their current rating.
    • Up to two optional credit increases per year, subject to eligibility.
  • Min Credit
    £200
    Max Credit
    £1,500
  • Max Credit
    £1,500
  • Representative APR
    34.9% APR
    (Variable)
  • See Deal + Details
  • Additional Information

      • Credit limit is subject to status
    • Max Credit
      £1,500
    • Provider
      Capital One

    Before you Continue...

    • You must be at least 18 years old to apply.
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 34.94% (variable), representative 34.9% APR (variable). Credit available subject to status.

  • Barclaycard Initial with 3 Month Purchases Credit Card

    • Help build your credit rating. Enjoy one single, simple rate for purchases and cash advances.
    • Barclaycard PayTag enabled - Use your mobile phone for contactless payments.
    • Contactless payment for items up to £30.
    • Instant online decision available.
  • Min Credit
    £250
  • Representative APR
    34.9% APR
    (Variable)
  • See Deal + Details
  • Additional Information

    • Provider
      Barclaycard

    Before you Continue...

    • You must be at least 18 years old to apply.
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 34.9% (variable), representative 34.9% APR (variable). Credit available subject to status.

  • aqua 4 Months Purchase Credit Card

    • Free aqua credit checker. 0% on Purchases for 4 Months.
    • SMS text reminders to help you stay in control.
    • Credit limit of £250 - £1,200 with a possible increase after four months.
    • aqua has said YES to over 750,000 customers in the UK.
  • Min Credit
    £250
  • Representative APR
    34.9% APR
    (Variable)
  • See Deal + Details
  • Additional Information

    • Provider
      NewDay Ltd

    Before you Continue...

    • You must be at least 18 years old to apply.
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 34.95% (variable), representative 34.9% APR (variable). Credit available subject to status.

  • aqua Classic With 6 Month Balance Transfer Offer

    • 0% on balance transfers for 6 months, 3% balance transfer fee applies
    • Free aqua credit checker.
    • SMS text reminders to help you stay in control.
    • Credit limit of £250 - £1,200 with a possible increase after four months.
    • aqua has said YES to over 750,000 customers in the UK.
  • Min Credit
    £250
  • Representative APR
    34.9% APR
    (Variable)
  • See Deal + Details
  • Additional Information

    • Provider
      NewDay Ltd

    Before you Continue...

    • You must be at least 18 years old to apply.
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 34.95% (variable), representative 34.9% APR (variable). Credit available subject to status.

  • Marbles Classic with 5 Month Balance Transfer Offer

    • FastCheck your eligibility for an instant response before you apply.
    • Manage your account online.
  • Min Credit
    £250
  • Representative APR
    34.9% APR
    (Variable)
  • See Deal + Details
  • Additional Information

    • Provider
      NewDay Ltd

    Before you Continue...

    • You must be at least 18 years old to apply.
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 34.9% (variable), representative 34.9% APR (variable). Credit available subject to status.

  • Marbles Classic with 5 Months 0% Purchase Offer Credit Card

    • FastCheck your eligibility for an instant response before you apply.
    • Manage your account online.
  • Min Credit
    £250
  • Representative APR
    34.9% APR
    (Variable)
  • See Deal + Details
  • Additional Information

    • Provider
      NewDay Ltd

    Before you Continue...

    • You must be at least 18 years old to apply.
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 34.95% (variable), representative 34.9% APR (variable). Credit available subject to status.

  • Vanquis Visa Credit Card

    • This card helps you build a good credit history to improve your credit rating. You could get Credit Limit increases every 5 months up to £4,000 (subject to terms and conditions).
    • UK call centre for customer services, SMS and online account management.
    • No annual or monthly fees.
    • 24/7 Fraud Watch.
  • Min Credit
    £150
    Max Credit
    £4,000
  • Max Credit
    £4,000
  • Representative APR
    39.9% APR
    (Variable)
  • See Deal + Details
  • Additional Information

      • Credit limit is subject to status
    • Max Credit
      £4,000
    • Provider
      Vanquis Bank

    Before you Continue...

    • You must be at least 18 years old to apply.
  • Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 39.94% (variable), representative 39.9% APR (variable). Credit available subject to status.

Credit Building Card FAQ

For people with limited credit histories or bad scores, getting credit can be tricky. Whenever you apply for a credit card or loan, your lender will look at your credit history and your credit score to determine how much of a risk you'll be as a customer. If you've had debt problems in the past, county courts judgements (CCJs), or other financial issues, then your best bet may be to use a 'credit building' card designed to help you turn your score around.

Credit builder cards allow newcomers to the credit card market, and low-score individuals to improve their credit score. However, the amount of credit you are given may be less than with a standard card while the interest rate is much higher - which is why it's so important to use these cards carefully.

Can I Be Accepted for a Credit Builder Card with Bad Credit?

Easier accessibility for those struggling with their credit rating or credit history is perhaps the biggest advantage of getting a credit builder card. Whether you've damaged your credit score with unpaid debts, or you simply need to build up a credit history, a credit builder card could be an easy way to get started.

What Kind of Credit Limit Can I Get?

The downside of many credit builder cards is that they don't come with a huge credit limit. However, this isn't always a bad thing for people who've suffered from debt issues in the past. It's more important to remember that credit builder cards often have higher interest rates which make paying off your balance in full each month essential.

How Can I Make Repayments on a Credit Builder Card?

Financial experts recommend setting up a direct debit to ensure you never miss a credit card payment or have to pay interest. With credit builder cards, it's an especially good idea to avoid over-spending so that you can more effectively improve your credit rating for the future, and therefore enhance your chances of being accepted for some of the top cards on the market. In some cases, credit building cards also come with deals that allow you to reduce your APR or increase your credit limit so long as you make all of your repayments on time.

Will I Need to Make Minimum Payments?

The most important factor to be aware of when using a credit builder card, is that if you don't play by the rules and make payments on time, you will put your credit score at risk even further. It is important to make at least the minimum payments each month, otherwise, you could end up with additional damage to your credit score, as well as hefty late fees to worry about.

How High are Credit Builder Card Interest Rates?

Some credit building cards have interest rates as high as 30%, or even 50%. For some people, the threat of excess interest charges can be positive as it forces them to control their spending. However, if you have trouble sticking to your limits, a credit builder card may not be the right choice for you.

What Should I Do If I'm Rejected?

If your application for a credit builder card is rejected, avoid re-applying for a number of different cards, as frequent applications can damage your credit record further. Instead, try to focus on finding a card that does work for your circumstances. Remember, if all of your matches include sky-high interest rates, then you might be better served by looking at alternatives or talking to a financial adviser.

How does our comparison table work?

Our credit card comparison tool can help you identify the right credit card for you. How you choose a credit card will be driven by what you want from it, and we have broken down those key features for easier comparisons. To help you, we have initially ranked our credit cards by 'Our Most Popular', i.e. the cards that our users felt most suited their needs. You can reorder the comparison according to other criteria via the drop-down box directly above the table.

Helpful links for credit card issues

Money Advice Service - The government's Money Advice Service website provides concise, unbiased information on choosing and using credit cards as well as handy tools such as credit card calculators.

The UK Cards Association - The British trade association for card payment companies has an extensive range of guides on their website covering all the types of payment cards available to UK consumers including debt, credit and prepaid cards.

Financial Fraud Action (FFA) UK - The Financial Fraud Action website features important advice on using payment cards safely and securely as well as information on the latest scams.

Financial Ombudsman Service - If you've already made a complaint to your card provider and have not had your issue resolved satisfactorily then the next step is to take up your complaint with the Financial Ombudsman.

About this service: Comparison tables are provided by KnowYourMoney.co.uk and is a free service to our users. The tables include providers from whom we may receive commission. For more details on how our site works click here.

The credit card data is supplied by Runpath Group Ltd, a registered company in England & Wales. Company Reg No: 07406032. Registered address: 2nd Floor, 112-116 Old Street, London EC1V 9BG.

The tables shows a range of products from the market and this service does not consider your personal credit position. Our service is non-advised, which means that no advice is given or implied.

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