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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...

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Barclaycard Platinum 18 Months
18 months
0.0% interest
2.90% 3 months
0.0% interest

no rewards

24.9%
APR
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Card info Card rating

Available to customers with a fair credit rating

Representative example: If you spend £1,200 at a purchase rate of 24.9% (variable) your Representative APR will be 24.9% (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.

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  • Defaqto 4 stars
  • This credit card has a 4 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

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Capital One Classic Preferred
no 0% intro
28.9% interest
3.00% no 0% intro
28.9% interest

no rewards

28.9%
APR
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Card info Card rating

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

Representative example: If you spend £1,200 at an annual interest rate of 28.94% (variable) your Representative APR will be 28.9% (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.

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  • 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

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Now with free aqua Credit Checker aqua Classic - 29.7%
no 0% intro
29.7% interest
3.00% no 0% intro
29.7% interest

no rewards

29.7%
APR
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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 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.

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  • 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

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Aquis Credit Card
no 0% intro
no 0% intro
0.00% no 0% intro
29.8% interest

no rewards

29.8%
APR
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Card info Card rating

Build up your credit history to improve your credit rating

Representative example: If you spend £1,000 at an annual purchase interest rate of 29.84% (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.

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  • Defaqto 2 stars
  • This credit card has a 2 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

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Barclaycard Initial
no 0% intro
34.9% interest
2.90% 3 months
0.0% interest

no rewards

34.9%
APR
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Card info Card rating

0% interest on purchases for 3 months from account opening

Representative example: If you spend £1,200 at a purchase rate of 34.9% (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 4 stars
  • This credit card has a 4 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
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
Capital One Classic Extra
no 0% intro
34.9% interest
3.00% no 0% intro
34.9% interest

Uncapped cashback

34.9%
APR
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Card info Card rating

Build your credit rating while earning 0.5% cashback on everything you buy

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 4 stars
  • This credit card has a 4 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
Aqua Rewards
no 0% intro
34.9% interest
3.00% no 0% intro
34.9% interest

Uncapped cashback

34.9%
APR
Apply
Card info Card rating

Build your credit rating while earning 0.5% cashback on everything you buy

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 4 stars
  • This credit card has a 4 Star Rating from independent financial research company, Defaqto, for its level of features and benefits. Tell me more

More details
Now with free aqua Credit Checker 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 4 stars
  • This credit card has a 4 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% 3 months
0.0% interest

no rewards

35.9%
APR
Apply
Card info Card rating

Can help build your credit- you could 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

  • 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