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Credit building cards

Looking to improve your credit rating? Below is a selection of cards that are designed for people with limited or poor credit history. Repaying a credit card each month can help you build your credit rating, which in turn can help when you apply for mortgages, loans or other credit cards in the future.

Provider Balance transfer intro period & rate Purchases intro period & rate Rewards Representative APR Likelihood of acceptance Actions
Credit Building

Barclaycard Initial

Barclaycard Initial Logo

No 0% intro on transfers

N/A fee

3 months 0% interest on purchases

No rewards

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.
Get 0% interest on new purchases for 3 months from account opening

aqua Classic 29.7%

aqua aqua Classic 29.7% Logo

No 0% intro on transfers

N/A fee

No 0% intro

No rewards

29.7% APR

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Representative Example: Representative 29.7% APR variable. Based on assumed borrowing of £1200. Rate of interest 29.71% (variable) annual.
You could get an initial credit limit of £100 - £1200 and a possible increase after 4 months

aqua Classic Card (29.7%)

placeholder card logo

No 0% intro on transfers

N/A fee

No 0% intro

No rewards

29.7% APR

Representative Example: Representative 29.7% APR variable. Based on assumed borrowing of £1200. Rate of interest 29.7% (variable) annual.

Aquis Credit Card

Aquis Credit Card Logo

No 0% intro on transfers

N/A fee

No 0% intro

No rewards

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.
Can help to build up your credit history to improve your credit rating. Credit is provided by Vanquis Bank Limited

Capital One Classic Platinum

Capital One Classic Platinum Logo

No 0% intro on transfers

N/A fee

No 0% intro

No rewards

29.8% APR

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Representative Example: Representative 29.8% APR variable. Based on assumed borrowing of £1200. Rate of interest 29.84% (variable) annual.
Capital One will consider applicants with a history of CCJs or defaults

Argos Card

placeholder card logo

No 0% intro on transfers

N/A fee

No 0% intro

No rewards

29.9% APR

Representative Example: Representative 29.9% APR variable. Based on assumed borrowing of £1000. Rate of interest 30% (variable) annual.

Capital One Classic Mastercard

Capital One Classic Mastercard Logo

No 0% intro on transfers

N/A fee

No 0% intro

No rewards

34.9% APR

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Representative Example: Representative 34.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 34.94% (variable) annual.
Capital One will consider applicants with a history of CCJs or defaults

Granite

placeholder card logo

No 0% intro on transfers

N/A fee

No 0% intro

No rewards

34.9% APR

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

Capital One Classic Extra

Capital One Classic Extra Logo

No 0% intro on transfers

N/A fee

No 0% intro

0.5% cashback

34.9% APR

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Representative Example: Representative 34.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 34.94% (variable) annual.
Build your credit rating while earning 0.5% cashback on everything you buy

aqua Advance

aqua aqua Advance Logo

No 0% intro on transfers

N/A fee

No 0% intro

No rewards

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 Rewards

aqua aqua Rewards Logo

No 0% intro on transfers

N/A fee

No 0% intro

0.5% cashback

34.9% APR

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Representative Example: Representative 34.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 34.91% (variable) annual.
Build your credit rating while earning 0.5% cashback on everything you buy

Ocean Finance Credit Card

placeholder card logo

No 0% intro on transfers

N/A fee

No 0% intro

No rewards

34.9% APR

Representative Example: Representative 34.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 34.94% (variable) annual.

Luma Credit Card

placeholder card logo

No 0% intro on transfers

N/A fee

No 0% intro

No rewards

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

No 0% intro on transfers

N/A fee

No 0% intro

No rewards

35.9% APR

Can I get this card?

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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 on transfers

N/A fee

No 0% intro

No rewards

39.9% APR

Can I get this card?

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Representative Example: Representative 39.9% APR variable. Based on assumed borrowing of £500. Rate of interest 39.94% (variable) annual.
You could get a credit limit of up to £1000
 

Your guide to credit cards

  • Alternative cards
  • What are the drawbacks to credit building cards?
  • Which providers credit building cards?
  • Is a credit building card right for me?
  • Can anyone get a credit building card?
  • What is a credit building credit card?

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