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Credit Cards for Bad Credit - Compare Cards Online - Confused.com

Sometimes it can be difficult finding a credit card when you have a bad credit history. A lot of cards will not consider you unless your credit history is good to excellent. However, all is not lost, the cards listed below are tailored towards customers with a bad credit history. Some of the cards below will accept you even if you have a history of CCJs or defaults. Find the right card for you...

Provider Purchases intro period & rate Representative APR Actions
Bad credit

Aquis Credit Card

Aquis Credit Card Logo

No 0% intro

29.8% APR

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Representative Example: Representative 29.8% APR variable. Based on assumed borrowing of £1000. Rate of interest 29.8% (variable) annual.
Build up your credit history to improve your credit rating

Capital One Classic Preferred

Capital One Classic Preferred Logo

No 0% intro

29.8% APR

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Representative Example: Representative 28.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 28.9% (variable) annual.
Capital One will consider applicants with a history of CCJs or defaults

Barclaycard Initial

Barclaycard Initial Logo

5 months 0% interest on purchases

34.9% APR

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Representative Example: Representative 34.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 34.9% (variable) annual.
0% interest on purchases for 5 months from account opening

Granite

placeholder card logo

No 0% intro

34.9% APR

Representative Example: Representative 34.9% APR variable. Based on assumed borrowing of £500. Rate of interest 34.95% (variable) annual.

aqua Advance

aqua Advance Logo

No 0% intro

34.9% APR

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Representative Example: Representative 34.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 34.9% (variable) annual.
Reduce your rate from 34.9% APR variable to 19.9% APR variable

aqua Classic 29.7%

aqua Classic 29.7% Logo

No 0% intro

35.9% APR

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Representative Example: Representative 35.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 35.9% (variable) annual.
You could get an initial credit limit of £100 - £1600 and a possible increase after 4 months

Luma Credit Card

placeholder card logo

No 0% intro

35.9% APR

Representative Example: Representative 35.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 35.94% (variable) annual.
Can help build your credit- you could get a credit limit up to £1500

Luma Credit Card

Luma  Luma Credit Card Logo

3 months 0% interest on purchases

35.9% APR

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Representative Example: Representative 35.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 35.94% (variable) annual.
Can help build your credit- you could get a credit limit up to £1500

Vanquis

Vanquis Bank Ltd Vanquis Logo

No 0% intro

39.9% APR

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Representative Example: Representative 39.9% APR variable. Based on assumed borrowing of £1000. Rate of interest 39.94% (variable) annual.
You could get a credit limit of up to £1000

aqua Classic

aqua Classic Logo

No 0% intro

39.9% APR

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Representative Example: Representative 39.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 39.9% (variable) annual.
Available to applicants with CCJs or a low income- you could get a response in 60 seconds

Black Diamond

placeholder card logo

No 0% intro

59.9% APR

Representative Example: Representative 59.9% APR variable. Based on assumed borrowing of £1000. Rate of interest 59.9% (variable) annual.
 

Your guide to credit cards

  • What is a bad credit card?
  • What to do if you have already been rejected?
  • Which providers offer cards to people with bad credit?
  • How to build up a positive credit score?
  • Why would I need to improve my score?

Credit cards terms

  • Adverse credit
  • Balance transfer
  • Balance transfer fee
  • Cash advance
  • Cash advance fee
  • Credit limit
  • Credit rating
  • Minimum payment
  • Purchases
  • Representative APR
  • Representative example
  • Withdrawal limit