Credit Builder Credit Cards
Compare credit cards to help rebuild a poor credit score or for those new to credit.
Poor credit score credit cards
There's no 'one' credit score but lenders will see a past history of debt or even simply a lack of credit history as indicators of a poor history, also referred to as a poor score. There are, however, indicators which using credit cards to build credit.
Our guide to checking and repairing your credit rating could also help.
Compare deals by sorting column headers and apply online or view more details:
| Suitable for those with |
Rewards | Credit Limit | Standard Rate (variable) | ||
|---|---|---|---|---|---|
Barclaycard Initial |
Poor credit history or new to credit (have not been declared bankrupt and have no CCJ's or IVA's in the last 5 years) |
Barclaycard Freedom & Thomas Cook Discounts Up to 1% Reward Money at participating retailers |
At least £250 | 29.9% p.a. |  More details |
| Representative Example: 29.9% p.a. variable on purchases. This is equivalent to 29.9% APR representative variable based on a credit limit of £1,200. Barclays Bank, 1 Churchill Place, London, E14 5HP. | |||||
Capital One Classic |
Poor credit history or new to credit (have not been declared bankrupt in the last 12 months) | eXtras: select online discounts | From £200 to £1,500 |
34.94% p.a. | More details |
| Representative Example: 34.94% p.a. variable on purchases. This is equivalent to 34.9% APR representative variable based on a credit limit of £1,200. Capital One (Europe) plc, Registered Office: Trent House, Station Street, Nottingham, NG2 3HX. | |||||
Granite |
Bad credit problems or no credit history. Not currently declared bankrupt. | Discounts or money off shopping | From £150 to £500 |
34.95% p.a. | More details |
| Representative Example: 34.95% p.a. variable on purchases. This is equivalent to 34.9% APR representative variable based on a credit limit of £500. Vanquis Bank Limited, No. 1 Godwin Street, Bradford, West Yorkshire, BD1 2SU. | |||||
aqua |
Poor credit history. (Previous CCJ's accepted, low incomes, recently moved or not on electoral roll, or new to UK). | None | £1,200 assumed | 35.95% p.a. | More details |
| Representative Example: 35.95% p.a. variable on purchases. This is equivalent to 35.9% APR representative variable based on a credit limit of £1,200. aqua credit cards are issued by Bank of Scotland plc, Registered office: The Mound, Edinburgh EH1 1YZ. | |||||
Vanquis Visa |
Bad credit problems or no credit history. Not currently declared bankrupt. | None | From £150 to £1,000 |
39.94% p.a. | More details |
| Representative Example: 39.94% p.a. variable on purchases. This is equivalent to 39.9% APR representative variable based on a credit limit of £1,000. Vanquis Bank Limited, No. 1 Godwin Street, Bradford, West Yorkshire, BD1 2SU. | |||||
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