Compare Credit Building Cards

  • Find the ideal credit card to help you improve your credit score
  • Use Totally Money’s eligibility checker to see if you’re likely to get accepted
  • The service is completely free and has no impact on your credit rating
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About This Service

Credit card service and product data provided by TotallyMoney.com, which is an independent credit broker not a lender. See Terms and Conditions, Privacy and Cookie Policy.

The product information is obtained from independent sources and rates may vary depending on your financial circumstances. Whilst Totally Money make every effort to ensure that information is up to date, you should always confirm the terms of the offer with the product provider. Totally Money do not give financial advice or any recommendations, and provide this service free of charge, but may receive commission or payment from credit card issuers for introductions or assistance with preparatory work. Should you choose to proceed, credit card partners may charge you fees for their products or services.

TotallyMoney is owned and operated by TotallyMoney Limited which is registered in England and Wales (Company Registration Number 06205695). TotallyMoney Limited is an Appointed Representative of MI Money Limited, which is registered in England and Wales (Company Registration Number 06967012) and authorised and regulated by the Financial Conduct Authority in respect of consumer credit related activities (FCA FRN: 511936). TotallyMoney Limited and MI Money Limited act as independent credit brokers, not credit lenders. Trading Address and Registered Office: Churchill House, 142-146 Old Street, London EC1V 9BW. Credit is available, subject to status, only to UK residents aged 18 or over.

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Credit Building Cards 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?

What kind of credit limit can I get?

How can I make repayments on a credit builder card?

Will I need to make minimum payments?

How high are credit builder card interest rates?

What should I do if I'm rejected?

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.

Important Information

In providing this service, Know Your Money receives product data from TotallyMoney, who in turn receives this from independent sources. Rates may vary depending on your individual circumstances. Know Your Money provide this independent service free of charge to you, but will receive a commission from Totally Money, who in turn may receive commission from the brokers and creditors they refer you to. Know Your Money does not collect, receive or pass any personal data in respect of this service or conduct any activities relating to credit eligibility on behalf of Totally Money or their partners.

Knowyourmoney.co.uk is a trading style of Notice Media Ltd, Registered Office: Floor 3 Haldin House, Old Bank of England Court, Queen Street, Norwich, Norfolk NR2 4SX Registered in England & Wales No 05409985 and also in accordance with the Data Protection Act (1988) Registration Number: Z955517X

Notice Media is authorised and regulated by the Financial Conduct Authority, FRN 771521. In respect of consumer credit, knowyourmoney.co.uk acts as a credit broker - not a lender.