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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.

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

Lloyds Bank Classic Card

Lloyds Bank Lloyds Bank Classic Card Image

6 months of 0.0% interest on transfers

3.00% fee

3 months 0% interest on purchases

No rewards

25.9% APR

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Representative Example: Representative 25.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 25.95% (variable) annual.
Can help to build your credit rating, with a credit limit of at least £500 and 3 months 0% on new purchases if you're accepted

Barclaycard Initial

Barclaycard Initial Image

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 £1,200. Rate of interest 34.9% (variable) annual.
Your account will be reviewed within 12 months and your interest rate could be reduced, plus your line of credit may be increased if you always pay on time and stay within your credit limit

Capital One Classic Mastercard

Capital One Classic Mastercard Image

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 £1,200. Rate of interest 34.94% (variable) annual.
Capital One will consider applicants with a history of CCJs or defaults- you could get a credit limit from £200 to £1,500

Vanquis

Vanquis Bank Ltd Vanquis Image

No 0% intro on transfers

N/A fee

No 0% intro

No rewards

39.9% APR

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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 be offered a credit limit of up to £1000

aqua Classic 29.7%

aqua aqua Classic 29.7% Image

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 £1,200. Rate of interest 29.71% (variable) annual.
You could get an initial credit limit of £250 - £1200 and a possible increase after 4 months

Granite

placeholder card image

No 0% intro on transfers

N/A fee

No 0% intro

No rewards

34.9% APR

Card Matcher is not available for this card
Representative Example: Representative 34.9% APR variable. Based on assumed borrowing of £500. Rate of interest 34.95% (variable) annual.

Aquis Credit Card

Aquis Credit Card Image

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 £1,000. Rate of interest 29.84% (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 Extra

Capital One Classic Extra Image

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 £1,200. Rate of interest 34.94% (variable) annual.
Earn 0.5% cashback rewards on everything you buy

aqua Advance

aqua aqua Advance Image

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 £1,200. Rate of interest 34.9% (variable) annual.
You could reduce your interest rate from 34.9% APR variable to 19.9% APR variable

Luma Credit Card

Luma  Luma Credit Card Image

No 0% intro on transfers

N/A fee

No 0% intro

No rewards

35.9% APR

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Representative Example: Representative 35.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 35.94% (variable) annual.
Can help build your credit- you could get a credit limit up to £1,500

Black Diamond

placeholder card image

No 0% intro on transfers

N/A fee

No 0% intro

No rewards

59.9% APR

Card Matcher is not available for this card
Representative Example: Representative 59.9% APR variable. Based on assumed borrowing of £1,000. Rate of interest 59.9% (variable) annual.

Argos Credit Card

placeholder card image

No 0% intro on transfers

N/A fee

No 0% intro

No rewards

39.9% APR

Card Matcher is not available for this card
Representative Example: Representative 39.9% APR variable. Based on assumed borrowing of £1,000. Rate of interest 39.9% (variable) annual.
You could get a credit limit between £150 and £1,000. Credit is provided by Vanquis Bank Limited

Argos Card

placeholder card image

No 0% intro on transfers

N/A fee

No 0% intro

No rewards

29.9% APR

Card Matcher is not available for this card
Representative Example: Representative 29.9% APR variable. Based on assumed borrowing of £1,000. Rate of interest 30% (variable) annual.

aqua Classic Card (29.7%)

placeholder card image

No 0% intro on transfers

N/A fee

No 0% intro

No rewards

29.7% APR

Card Matcher is not available for this card
Representative Example: Representative 29.7% APR variable. Based on assumed borrowing of £1,200. Rate of interest 29.7% (variable) annual.

aqua Classic

aqua aqua Classic Image

No 0% intro on transfers

N/A fee

No 0% intro

No rewards

39.9% APR

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Representative Example: Representative 39.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 39.9% (variable) annual.
Available to applicants with CCJs or a low income- start with a credit limit between £250 and £1200

Capital One Classic Platinum

Capital One Classic Platinum Image

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 £1,200. Rate of interest 29.84% (variable) annual.
Capital One will consider applicants with a history of CCJs or defaults

aqua Rewards

aqua aqua Rewards Image

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 £1,200. 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 image

No 0% intro on transfers

N/A fee

No 0% intro

No rewards

34.9% APR

Card Matcher is not available for this card
Representative Example: Representative 34.9% APR variable. Based on assumed borrowing of £1,200. Rate of interest 34.94% (variable) annual.
 

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