Arrears & late payment:
CCJs:
Declared bankrupt:
Employment status:
This comparison includes all cards that may be available if you have a poor credit rating.
This comparison now shows cards designed for bad credit customers that fit your criteria.
We are a comparison website that's authorised and regulated by the FCA as a credit broker. How our site works.
Aqua Classic Card (29.7%) - Semi Excl
Interest free purchase period
51 days
Maximum credit limit
£1,200
Representative APR (variable)
29.7% APR
Free aqua credit checker. Aqua has said yes to over 750,000 customers in the UK.
Representative Example: The standard interest rate on purchases is 29.71% p.a. (variable), so if you borrow £1,200 the Representative APR will be 29.7% APR (variable).
Capital One Classic Card
Interest free purchase period
56 days
Maximum credit limit
£1,500
Representative APR (variable)
34.9% APR
A response in 60 seconds.
Representative Example: The standard interest rate on purchases is 34.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 34.9% APR (variable).
Vanquis Credit Card
Interest free purchase period
56 days
Maximum credit limit
£1,000
Representative APR (variable)
39.9% APR
Suitable if you are new to credit, had had CCJs or other issues with credit. Can apply for up to £1,000 credit, subject to status.
Representative Example: The standard interest rate on purchases is 39.94% p.a. (variable), so if you borrow £1,000 the Representative APR will be 39.9% APR (variable).
Capital One Classic Platinum Card - Semi Excl
Interest free purchase period
56 days
Maximum credit limit
£1,500
Representative APR (variable)
29.8% APR
Representative Example: The standard interest rate on purchases is 29.84% p.a. (variable), so if you borrow £1,200 the Representative APR will be 29.8% APR (variable).
Ocean Finance Credit Card
Interest free purchase period
56 days
Maximum credit limit
£1,500
Representative APR (variable)
34.9% APR
Representative Example: The standard interest rate on purchases is 34.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 34.9% APR (variable).
marbles Credit Card - Semi Excl
Interest free purchase period
56 days
Maximum credit limit
Subject to status
Representative APR (variable)
29.7% APR
Representative Example: The standard interest rate on purchases is 29.75% p.a. (variable), so if you borrow £1,200 the Representative APR will be 29.7% APR (variable).
Aqua Advance Card
Interest free purchase period
51 days
Maximum credit limit
£1,200
Representative APR (variable)
34.9% APR
Free aqua credit checker. Aqua has said yes to over 750,000 customers in the UK.
Representative Example: The standard interest rate on purchases is 34.92% p.a. (variable), so if you borrow £1,200 the Representative APR will be 34.9% APR (variable).
Aquis Credit Card
Interest free purchase period
56 days
Maximum credit limit
£1,000
Representative APR (variable)
29.8% APR
Credit offered by Vanquis Bank.
Representative Example: The standard interest rate on purchases is 29.84% p.a. (variable), so if you borrow £1,000 the Representative APR will be 29.8% APR (variable).
Barclaycard Initial Credit Card With Purchases
Interest free purchase period
56 days
Maximum credit limit
£1,200
Representative APR (variable)
34.9% APR
0% interest on all your purchases for three months from account opening.
Not available to applicants who already have a Barclaycard credit card.
Representative Example: The standard interest rate on purchases is 34.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 34.9% APR (variable).
Aqua Reward Credit Card
Interest free purchase period
51 days
Maximum credit limit
£1,200
Representative APR (variable)
34.9% APR
Free aqua credit checker. Aqua has said yes to over 750,000 customers in the UK.
Representative Example: The standard interest rate on purchases is 34.91% p.a. (variable), so if you borrow £1,200 the Representative APR will be 34.9% APR (variable).
Aqua Start Card
Interest free purchase period
51 days
Maximum credit limit
Subject to status
Representative APR (variable)
49.9% APR
Representative Example: The standard interest rate on purchases is 49.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 49.9% APR (variable).
Barclaycard Initial Credit Card With Cashback
Interest free purchase period
56 days
Maximum credit limit
£1,200
Representative APR (variable)
34.9% APR
Get £10 cashback every 3 months for one year if you always make your payments on time & stay within your credit limit. T&Cs apply.
Representative Example: The standard interest rate on purchases is 34.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 34.9% APR (variable).
Luma Credit Card
Interest free purchase period
56 days
Maximum credit limit
£1,500
Representative APR (variable)
35.9% APR
Representative Example: The standard interest rate on purchases is 35.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 35.9% APR (variable).
Argos Credit Card
Interest free purchase period
56 days
Maximum credit limit
£1,000
Representative APR (variable)
39.9% APR
You must not have applied for a Vanquis, Granite, Aquis or Black Diamond Card within the last 6 months. Do not apply for the Argos Credit Card if you currently hold a Vanquis, Granite, Aquis or Black Diamond Card.
Credit offered by Vanquis Bank.
Representative Example: The standard interest rate on purchases is 39.94% p.a. (variable), so if you borrow £1,000 the Representative APR will be 39.9% APR (variable).
Original Credit Card
Interest free purchase period
56 days
Maximum credit limit
£1,000
Representative APR (variable)
39.9% APR
You are not eligible if you hold one of the following - Vanquis, Aquis, Granite or Black Diamond Credit Card
Representative Example: The standard interest rate on purchases is 39.94% p.a. (variable), so if you borrow £1,000 the Representative APR will be 39.9% APR (variable).
Black Diamond Visa Credit Card
Interest free purchase period
56 days
Maximum credit limit
£1,000
Representative APR (variable)
59.9% APR
Representative Example: The standard interest rate on purchases is 59.94% p.a. (variable), so if you borrow £1,000 the Representative APR will be 59.9% APR (variable).
Granite Credit Card
Interest free purchase period
56 days
Maximum credit limit
£1,000
Representative APR (variable)
34.9% APR
Credit offered by Vanquis Bank.
Representative Example: The standard interest rate on purchases is 34.95% p.a. (variable), so if you borrow £1,000 the Representative APR will be 34.9% APR (variable).
marbles Credit Card
Interest free purchase period
56 days
Maximum credit limit
Subject to status
Representative APR (variable)
33.8% APR
Representative Example: The standard interest rate on purchases is 33.83% p.a. (variable), so if you borrow £1,200 the Representative APR will be 33.8% APR (variable).
NEO Credit Card
Interest free purchase period
56 days
Maximum credit limit
£1,000
Representative APR (variable)
39.9% APR
Representative Example: The standard interest rate on purchases is 39.94% p.a. (variable), so if you borrow £1,000 the Representative APR will be 39.9% APR (variable).

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How to Compare Credit Cards for Bad Credit

Bad credit credit cards not only enable you to access credit if you have a less than perfect credit history, they can also be used to repair your credit record over time - here's how to get the best bad credit card possible.

It's still possible to get an instant approval credit card even if you have a poor credit history, and a number of credit card providers offer credit cards for bad credit specifically designed to accommodate those with a credit history that includes CCJs, bankruptcy, arears, defaults and late payments.

Credit cards for people with a low credit score tend to charge a significantly higher rate of interest than their standard credit card counterparts and often come with a more limited credit limit. It's also reasonably rare for 0% balance transfer deals, 0% purchase offers and benefits like cashback to be offered by a bad credit credit card.

However, despite this, the best credit cards for bad credit history do give you a way to repair a damaged credit record and, with careful use, can help you on the way towards accessing more attractive financial products. If you have a poor credit history and struggle getting approved for other types of credit, there's no doubt that credit cards for bad credit can provide something of a lifeline.

Sometimes its just as hard for those with no credit history to get a credit card as it is those with a poor credit rating as banks have no way to know you can be trusted to repay your borrowing; this makes bad credit credit cards a good option for those who need to build a credit rating from scratch.

Whether you want to rebuild your credit rating or build a credit history from scratch, you should apply for a bad credit credit card online, then spend a little on the card each month. You will need to make sure you repay the balance in full and on time each time you get a statement to avoid heavy interest charges and show the credit card provider that you are a reliable borrower.

After 6 months to a year, as long as you have managed the credit well, continued to pay off the balance in full each month, and implemented other credit improvement measures, you could find that you're eligible for other cards you were previously unable to get.

However, as with any credit card, you shouldn't simply apply for the first credit card for an adverse credit history that you find, instead you should compare your options and choose only to apply for the best credit cards for bad credit history that will accept your application.

The main factor determining the best credit cards for bad credit is the interest rate, as this will determine how expensive the card is, if you are for whatever reason, unable to repay the balance in full at the end of the month.

As a result it makes sense to look for bad credit card deals that apply the lowest interest rates, so you're not charged more than necessary if you need to carry over a balance.

You will also need to check that you meet the eligibility requirements in terms of minimum income, age and employment status. This is vital as applying for a credit card you stand no chance of being approved for can do your credit history more harm than good - if you're unemployed or on a low income this is especially important.

You can compare the different bad credit credit cards side by side using our credit card for bad credit rating comparison table.

Other resources on credit cards for bad credit:

 

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