Credit Cards for Bad Credit UK

If you need a credit card but fear you have bad credit, the first thing to do is to perform a credit check by obtaining your credit report. If it is confirmed you have a relatively low credit rating, then applying for a bad credit credit card can actually help improve your credit rating. These credit cards are also known as credit builder credit cards. Our main category explores bad credit and how to improve it in more detail.

Can I get a Credit Card if I have a Bad Credit Rating?

The short answer is yes you can, we help you compare bad credit credit cards. Even if you have a bad credit rating or consider yourself to have a poor credit history, there are products available.

Credit Cards Provider APR
Details
Aquis Visa Aquis Visa

  • 4/5
29.8%
  • Lowest APR on the market!
  • Provided by Vanquis
  • Credit limit up to £1000
  • Build up to £3000
Apply More info
Capital One Classic Extra Capital One Classic Extra

  • 5/5
34.9%
  • 0.5% cashback, paid annually
  • £10 Annual Bonus on opening card account
  • Credit Limit from £200
Apply More info
Aqua Advantage Card Aqua Advantage Card

  • 4/5
34.9%

Pay on time Reduce APR
by 5% per year over 3 years
3% Balance Transfer Fee
On-line Account Access

Apply More info
Aqua Rewards Card Aqua Rewards Card

  • 5/5
34.9%

Cashback Card
Pays 3% on all purchases
Cashback paid annually
Credit Limit from £250

Apply More info
Capital One Classic Card Capital One Classic Card

  • 4/5
34.9%
  • Capital One Classic Card
  • Credit Limit from £200
  • Purchase Protection
Apply More info
Vanquis Credit Card Vanquis Credit Card

  • 4/5
39.9%
  • Vanquis Credit Card
  • Credit limit from £150
  • Build credit limit to £3000
  • Considers low credit ratings
Apply More info
Granite Credit Card Granite Credit Card

  • 4/5
34.9%
  • Granite Credit Card
  • Credit limit up to £500
  • Build credit limit to £3,000
  • Access to discounts
Apply More info
Aqua Credit Card Aqua Credit Card

  • 4/5
32.9%
  • Aqua Credit Card
  • Credit limit up to £1600
  • Consider CCJ’s, Students
Apply More info
Barclaycard Initial Barclaycard Initial

  • 5/5
29.9%
  • Great Credit Builder Card
  • Limited credit history?
  • Ideal for students, young people
  • Low APR!
Apply More info

Some of the requirements for obtaining these cards include:

- Being registered on the electoral roll, with the same address on this as your application (best to apply for this kind of product just before you move house for example).

- A credit history of managing credit products, even if this includes some CCJ’s (county court judgements).

What are the different types of Bad Credit Credit Cards?

Credit card companies offer credit cards with standard payment terms, but also there are pre-paid credit cards.   

Which Credit Card Companies offer Bad Credit Credit Cards?

There are various credit card companies which offer bad credit credit cards or credit builder credit cards such as Capital One, Vanquis, Aqua and Granite.

Which Bad Credit Credit Cards offer Guaranteed and Instant Decisions on Approval?

There are pre-paid credit cards, where there are no credit checks, when you apply. These are available from Virgin. Capital One offers a 60 second application engine, but sometime it can take longer.

Please not that it is important to pay your credit card debt on time, these credit cards often have APR’s that are over 30% APR, which whilst are not on the same level as payday loans, will still make paying back the debt more difficult. Building up a large debt on the credit card is not advisable on this basis.

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