Credit builder credit cards

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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.


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Credit Builder
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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% cashback on all purchases
More info
34.9% APR
(variable)
£0
(fees + interest)
£18.00
cashback
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).

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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.

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Credit builder card guides

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Frequently asked questions
How a prepaid card could boost your credit rating
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Frequently asked questions
Can I get a credit card if I'm bankrupt or still repaying debt?
Guides & Reviews
How to improve a poor credit rating with a credit card
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Guides & Reviews
Best first credit card: credit history 101

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