Credit builder credit cards

credit cards
Comparing credit cards with us offers you:
Free and impartial
Powerful search to find the best deal
Guides and reviews to help you decide

Search and compare the best credit builder credit card deals using the table below.

Credit builder credit cards can help rebuild a bad credit rating or improve a limited credit history. Never miss a repayment and stay within the credit limit to make the most of these credit card deals. APRs are high but repaying debts in full each month should avoid interest being charged on purchases.


Update Results
Monthly, I will spend:
Monthly, I'll repay:
Based on your input
SORT DEALS BY: Purchase Offer Period Rewards Representative APR Total cost Rewards Earned
aqua classic
aqua classic credit cardNot offeredFree aqua credit checker
More info
29.7% APR
(variable)
£0
(fees + interest)
None
Will you get this card?

APPLY ONLINE
Representative example: When you spend £1,200 at a purchase rate of 29.71% (variable) per annum, your representative APR will be 29.7% APR (variable).
marbles
marbles credit cardNot offeredNone29.7% APR
(variable)
£0
(fees + interest)
None
Will you get this card?

APPLY ONLINE
Representative example: When you spend £1,200 at a purchase rate of 29.75% (variable) per annum, your representative APR will be 29.7% APR (variable).
aqua advance
aqua advance credit cardNot offeredFree aqua credit checker
More info
34.9% APR
(variable)
£0
(fees + interest)
None
Will you get this card?

APPLY ONLINE
Representative example: When you spend £1,200 at a purchase rate of 34.91% (variable) per annum, your representative APR will be 34.9% APR (variable).
aqua reward
aqua reward credit cardNot offered0.5% cash back on all purchases
More info
34.9% APR
(variable)
£0
(fees + interest)
£18.00
cash back
Will you get this card?

APPLY ONLINE
Representative example: When you spend £1,200 at a purchase rate of 34.91% (variable) per annum, your representative APR will be 34.9% APR (variable).
Vanquis Argos
argos credit cardNot offeredNone39.9% APR
(variable)
£0
(fees + interest)
None
Will you get this card?

APPLY ONLINE
Representative example: When you spend £1,000 at a purchase rate of 39.94% (variable) per annum, your representative APR will be 39.9% APR (variable).
aqua start
aqua start credit cardNot offeredFree aqua credit checker
More info
49.9% APR
(variable)
£0
(fees + interest)
None
Will you get this card?

APPLY ONLINE
Representative example: When you spend £300 at a purchase rate of 49.94% (variable) per annum, your representative APR will be 49.9% APR (variable).
Vanquis Black Diamond
black diamond credit cardNot offeredNone59.9% APR
(variable)
£0
(fees + interest)
None
Will you get this card?

APPLY ONLINE
Representative example: When you spend £1,000 at a purchase rate of 59.94% (variable) per annum, your representative APR will be 59.9% APR (variable).

How to find the best credit card for a poor score

What’s a credit builder credit card?

Credit builder credit cards are designed to rebuild a poor credit score or as a first step for people lacking a credit history. These cards offer credit to those who aren’t likely to be accepted for other deals, including: people on low incomes; those who’ve recently moved to the UK; or those who aren’t on the electoral roll. Some are also available to people who’ve been previously declared bankrupt. To build a good credit history using a credit builder credit card, it’s important to never miss repayments and stay within the credit limit.

To reflect the greater risk to providers, credit builder credit cards typically offer high APRs. Paying off spending in full before the end of each month will prevent interest being charged and can help to fix a bad credit rating. Our full guide here to credit builder credit cards has more information on rebuilding a poor credit history and what to look out for when using a credit card.

How to get the best deal

The main purpose for credit builder credit cards is to help people start to improve a credit score. Most have very high APRs so the aim should be to keep debt low and repay in full every month to avoid being charged interest altogether.

APRs and credit limits will vary depending on individual circumstances and some people can expect APRs of over 40%. Some cards offer the opportunity to reduce APRs over time if certain criteria are met including keeping debt within the credit limit and never missing payments.

Proving responsible money management

A credit builder credit card can be the first step to proving responsible money management. Careful money management is necessary to ensure payments can be met and it’s important to avoid the temptation to overspend. Meeting all repayments and never going over the credit limit could build up a credit rating over time.

But mismanagement can harm a credit rating further and put people in a worse position than before taking out the credit builder credit card, so it’s necessary to check the affordability of repayments before making any purchases.

Paying off debt each month

The amount of debt will influence whether it can be paid off before the end of each month. If it’s unlikely the debt will be paid off in time, it may be better to reconsider spending on a credit card or to use a lower interest way of borrowing. In order to decide, it’s best to work out how long it will take to pay off the debt and which route means paying less interest overall.

0% on purchases for limited credit history

Some providers offer 0% on purchases for a short length of time, but spending on these deals – particularly when trying to rebuild credit – should be approached with caution. The interest-free period is meant to provide a break from extra debt from interest building up and may be a better alternative to borrowing on extremely high interest payday loans for example.

But 0% purchase deals still require a minimum monthly repayment even during the interest-free period. And at the end of the deal, any remaining debt will be charged at a higher APR and minimum repayments will increase. So before spending on 0% interest deals, it’s important to calculate how much will need to be paid monthly if repaying the debt in full before the higher APR is introduced. If it’s likely debts will roll over beyond the interest free period, it’s may be better to spend less, use a lower interest credit card for spending, or to use a lower interest way of borrowing.

Go back up to the credit card deals  

More on Rebuilding Credit
how a prepaid card could boost your credit rating

The CashPlus Credit Builder schemes claims to offer the chance to rebuild a damaged rating without a credit check. We take a look.

Read more »
can i get a credit card if i'm bankrupt or still repaying debt?

Discharged bankrupts and those with large debts can find it hard to access banking services. We look at the deals that are available.

Read more »
how to improve a poor credit rating with a credit card

Many credit cards claim that they can rebuild a damaged credit rating but is there any truth to it?

Read more »
best first credit card: credit history 101

Applying for credit when you're a first time user can be tricky. We look at the options.

Read more »


Calculations, including those illustrating interest costs, are intended as a general guide only for comparison purposes and should not be considered as an exact representation of what you will have to pay in terms of costs or what you will earn in times of rewards, nor should they be considered as advice that relates to your specific circumstances. Interest costs are based on the Representative APR of each credit card, as well as any special offer rates. The Representative APR is an indication of the interest rate you may receive as expressed by law. You may be offered a different rate than the Representative APR. There is no guarantee that the listed credit cards will be available to you or of the amount they may grant as a credit limit.

Please read our full disclaimer for important information that relates to the service we provide and your use of this site.

We aim to provide free reviews and comparisons of consumer products and to keep our editorial content as objective as possible. To keep the site free, we are paid by some providers when new customers take products after they've clicked on our links. We don't allow our editorial content to be affected by those links, however we may not include all of the products available in the market. Finally, we do not submit or process any applications for any products or services and we cannot guarantee that any product or service listed on this website will be available to you. Credit providers make the final decision on whether an application for credit will be accepted.

If you would like to get in touch with us you can contact us here.