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Credit building cards

Did you know that paying a credit card bill each month could help you when you apply for loans, mortgages and other credit cards in the future?

Unfortunately, getting your first credit card isn’t always easy but by comparing a range of credit building cards with Confused.com you could find a credit card that is designed for those with little or poor credit history.

If used correctly, this type of credit card can help improve your credit rating for the future. See below for more information about credit buildings cards.

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Credit Building

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.
Benefit from £15 cashback after three months when you make your minimum payments on time and don’t go over your credit limit.

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 - £1,200 which could increase after 4 months, plus free aqua credit checker included

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 Sorry, this card is not available through Confused.com. Why?
Representative Example: Representative 29.7% APR variable. Based on assumed borrowing of £1,200. Rate of interest 29.7% (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 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 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

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 Sorry, this card is not available through Confused.com. Why?
Representative Example: Representative 29.9% APR variable. Based on assumed borrowing of £1,000. Rate of interest 29.95% (variable) annual.

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, apply online and get a response within 60 seconds

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 Sorry, this card is not available through Confused.com. Why?
Representative Example: Representative 34.9% APR variable. Based on assumed borrowing of £500. Rate of interest 34.95% (variable) annual.

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 34.91% (variable) annual.
You could reduce your APR to 19.9% simply for making payments on time and keeping to your credit limit

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 up your credit rating whilst you earn 0.5% cashback on all purchases

Ocean Finance Credit Card

Ocean Finance  Ocean Finance Credit Card 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.
Could help you rebuild and improve your credit rating providing you maintain your minimum payment on time and stay within your credit limit

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 be offered a credit limit of up 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 £1,000, plus online and SMS Account Management.

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 Sorry, this card is not available through Confused.com. Why?
Representative Example: Representative 39.9% APR variable. Based on assumed borrowing of £1,000. Rate of interest 39.94% (variable) annual.

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 Sorry, this card is not available through Confused.com. Why?
Representative Example: Representative 59.9% APR variable. Based on assumed borrowing of £1,000. Rate of interest 59.94% (variable) annual.

Inspop.com Limited, trading as Confused.com, is a credit broker for the consumer credit products listed on our credit card pages. Confused.com provides an independent comparison service free of charge; however, we may receive a commission from some of the companies we refer you to.

 

Your guide to credit cards

  • The drawbacks of a credit building card
  • Other cards you may be interested in
  • Who offers credit building cards?
  • What is a credit building credit card?

Credit cards terms

  • What is a credit score?
  • What is a credit history?
  • Representative APR