Skip navigation

Credit cards for a bad credit history

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...
Credit Cards best buy table heading

loading throbber...
Capital One Classic Mastercard
no 0% intro
34.9% interest 3.00% no 0% intro
34.9% interest

no rewards

 34.9%
APR
Apply
Card info Card rating

Capital One will consider applicants with a history of CCJs or defaults

Representative example: If you spend £1,200 at a purchase rate of 34.94% (variable) your Representative APR will be 34.9% (variable)

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • Defaqto 3 stars
  • This credit card has a 3 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
Argos Card
no 0% intro
no 0% intro 0.00% no 0% intro
no 0% intro

no rewards

 39.9%
APR
Apply
Card info Card rating

You could get a credit limit increase on your 4th statement

Representative example: If you spend £500 at an annual interest rate of 39.94% (variable) your Representative APR will be 39.9% (variable).

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • Defaqto 1 stars
  • This credit card has a 1 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
Vanquis
no 0% intro
0.0% interest 0.00% 0 months
39.9% interest

no rewards

 39.9%
APR
Apply
Card info Card rating

Start with a credit limit of up to £1,000 that could rise up to £3,000

Representative example: If you spend £500 at an annual purchase interest rate of 39.94% (variable) your Representative APR will be 39.9% (variable).

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • Defaqto 1 stars
  • This credit card has a 1 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
aqua Classic - 29.7%
no 0% intro
29.7% interest 3.00% no 0% intro
29.7% interest

no rewards

 29.7%
APR
Apply
Card info Card rating

Available to applicants with CCJs or a low income- get a response in 60 seconds

Representative example: If you spend £1,000 at an annual interest rate of 29.73% (variable) your Representative APR will be 29.7% (variable).

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • Defaqto 1 stars
  • This credit card has a 1 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
Luma Credit Card
0 months
35.9% interest 3.00% 0 months
35.9% interest

no rewards

 35.9%
APR
Apply
Card info Card rating

Build your credit rating- get a credit limit up to £1,500

Representative example: If you spend £1,200 at a purchase rate of 35.94% (variable) your Representative APR will be 35.9% (variable)

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  •  
  • This credit card has a 3 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
aqua Advance
no 0% intro
34.9% interest 3.00% no 0% intro
34.9% interest

no rewards

 34.9%
APR
Apply
Card info Card rating

Can help build your credit - repay on time and your rate could reduce to 19.9% APR

Representative example: If you spend £1,200 at an annual interest rate of 34.92% (variable) your Representative APR will be 34.9% (variable).

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • Defaqto 1 stars
  • This credit card has a 1 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
aqua Classic
no 0% intro
39.9% interest 3.00% no 0% intro
39.9% interest

no rewards

 39.9%
APR
Apply
Card info Card rating

Available to applicants with CCJs or a low income- get a response in 60 seconds

Representative example: If you spend £1,200 at an annual interest rate of 39.95% (variable) your Representative APR will be 39.9% (variable).

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • Defaqto 1 stars
  • This credit card has a 1 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
Black Diamond Visa
0 months
no 0% intro 0.00% no 0% intro
59.9% interest

no rewards

 59.9%
APR
Apply
Card info Card rating

Build your credit rating if you are new to credit or have a poor rating

Representative example: If you spend £250 at an annual interest rate of 59.94% (variable) your Representative APR will be 59.9% (variable)

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • Defaqto 1 stars
  • This credit card has a 1 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
Aquis Visa Card
no 0% intro
no 0% intro 0.00% no 0% intro
29.8% interest

no rewards

 29.8%
APR
Apply
Card info Card rating

Build up your credit history to improve your credit rating

Representative example: If you spend £1,200 at a purchase rate of 29.8% (variable) your Representative APR will be 29.8% (variable)

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • Defaqto 1 stars
  • This credit card has a 1 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
Barclaycard Freedom Rewards
9 months
0.0% interest 2.90% 0 months
18.9% interest

Freedom Points

 18.9%
APR
Apply
Card info Card rating

Earn rewards while building your credit

Representative example: If you spend £1,200 at a purchase rate of 18.9% (variable) your Representative APR will be 18.9% (variable)

This details the cost of borrowing with this card after any introductory 0% deals have ended.

The representative APR is offered to at least 51% of customers accepted, and takes into account the annual interest rate charged on purchases and any annual fees.

The £1,200 spend is used as an example.

Help

  • 5 Star Rating
  • This credit card has a 5 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details

Confused.com is based at Friary House, Greyfriars Road, Cardiff, CF10 3AE, and is authorised and regulated by the Financial Services Authority (Registration number: 310635). We are independent and offer a free service to compare all UK credit cards, please click here for more details.