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Credit Building Cards - Compare Credit Cards Online - Confused.com

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 Actions
Credit Building

Barclaycard Initial

Barclaycard Initial Logo

No 0% intro on transfers

N/A fee

5 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.
0% interest on purchases for 5 months from account opening

Barclaycard Platinum 18 Months

Barclaycard Platinum 18 Months Logo

18 months of 0.0% interest on transfers

2.90% fee

3 months 0% interest on purchases

No rewards

24.9% APR

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Representative Example: Representative 24.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 24.9% (variable) annual.
0% interest on balance transfers for 18 months from account opening. Available to those with a fair credit rating

Luma Credit Card

Luma  Luma Credit Card Logo

No 0% intro on transfers

N/A fee

3 months 0% interest on purchases

No rewards

35.9% APR

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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

Capital One Classic Preferred

Capital One Classic Preferred Logo

No 0% intro on transfers

N/A fee

No 0% intro

No rewards

28.9% APR

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Representative Example: Representative 28.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 28.9% (variable) annual.
Capital One will consider applicants with a history of CCJs or defaults

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.
Build up your credit history to improve your credit rating

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 35% (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

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 35% (variable) annual.
Build your credit rating while earning 0.5% cashback on everything you buy

aqua Advance

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 Classic 29.7%

aqua Classic 29.7% Logo

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 £1200. Rate of interest 35.9% (variable) annual.
You could get an initial credit limit of £100 - £1600 and a possible increase after 4 months

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

Vanquis

Vanquis Bank Ltd Vanquis Logo

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 £1000. Rate of interest 39.94% (variable) annual.
You could get a credit limit of up to £1000

Argos Credit Card

Argos Credit Card Logo

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 £1000. Rate of interest 39.9% (variable) annual.
You could get a credit limit between £150 and £1000

aqua Classic

aqua Classic Logo

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 £1200. Rate of interest 39.9% (variable) annual.
Available to applicants with CCJs or a low income- you could get a response in 60 seconds

Black Diamond

placeholder card logo

No 0% intro on transfers

N/A fee

No 0% intro

No rewards

59.9% APR

Representative Example: Representative 59.9% APR variable. Based on assumed borrowing of £1000. Rate of interest 59.9% (variable) annual.
 

Your guide to credit cards

  • Which providers offer this type of card?
  • What is a credit building credit card?
  • Can everyone get a credit building card
  • Which is the best 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