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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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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 £1200. Rate of interest 25.95% (variable) annual. Postal address: Card Services, PO BOX 33, Brighton, BN1 4BE

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.
Help build your credit rating with a credit limit between £150 and £1,200. Plus benefit from 0% on purchases for up to 3 months.

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 £1,000, plus online and SMS Account Management.

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

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

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

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 59.94% (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 39.94% (variable) annual.

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 29.95% (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 39.94% (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 up your credit rating whilst you earn 0.5% cashback on all purchases

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.

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

  • Can anyone get a credit building card?
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  • Which providers credit building cards?
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  • 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