Compare Credit Builder Cards

Compare the best credit builder cards available in the UK and find a credit card that will help you to improve your credit score in minutes when you use our best credit builder credit card comparison table. We make it easy to see which of the top credit building credit cards will help you repair your credit score as quickly as possible.
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Minimum IncomeInterest Free PeriodMinimum RepaymentMax Credit LimitRepresentative APR  
%£(Variable) 
Capital One
Classic Visa Card
£0
56
days
1%£5£1,50034.9%
Representative Example: 34.9% APR representative variable. Based on £1,200 credit limit & annual purchase rate 34.94% p.a. variable.
Capital One, Trent House, Station Street, Nottingham, NG2 3HX
Vanquis
The Visa Card
£4,000
56
days
4.5%£5£1,00039.9%
Representative Example: Representative 39.9% APR variable. Based on £1,000 credit limit & annual purchase rate 39.94% p.a. variable.
Suitable if you are new to credit, have had CCJs or have bad credit history. Can apply for up to £2,000 credit.
Barclaycard
Initial Credit Card
£0
56
days
2.5%£5£2,00029.9%
Representative Example: The annual purchase rate is 29.9% p.a.(variable) so if you spend £1,200 your representative APR will be 29.9% (variable).
0% for 3 months on purchases! Suitable even if you have missed payments or have had CCJs over 12 months ago.
SAV Credit Ltd
aqua card
£0
51
days
1%£5£1,60032.9%
Representative Example: The annual purchase rate is 32.9% p.a.(variable) so if you spend £1,200 your representative APR will be 32.9% (variable).
Self-employed, have a new address, low or irregular income, CCJs (over 12 months old).
Granite
Credit Card
£4,000
56
days
3.5%£10£50034.9%
Representative Example: The annual purchase rate is 35% p.a.(variable) so if you spend £500 your representative APR will be 34.9% (variable).
Capital One
Progress MasterCard
£0
56
days
1%£5£1,50029.9%
Representative Example: 29.9% APR representative variable. Based on £1,200 credit limit & annual purchase rate 29.94% p.a. variable.
Rise
Visa
£0
n/a
10%£25£300303%
Representative Example: The annual purchase rate is 0% p.a.(variable) so if you spend £300 your representative APR will be 303% (variable)+£360 fee p.a
money.co.uk, Dot Zinc Limited, Fleet House, 8-12 New Bridge Street, London. EC4V 6AL. We are a Credit Intermediary for all consumer credit products listed on money.co.uk, with the exception of products from the following providers: Tesco Bank, Royal Bank of Scotland Group and Nationwide Building Society.
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Credit Card Comparison

Alternative Credit Cards

You may want to compare the above credit cards with the following.

Bank of Ireland Gold MasterCard

  • The credit card gives £1,500 maximumtravel delay protection.
  • 90 days introductory balance transfer window is offered with Gold MasterCard.
  • Get 2.98 percent initial balance transfer fee from Bank of Ireland.
  • Customers get 0 percent mthly purchase intro rate from Bank of Ireland.
  • Minimum balance transfer fee of £0.
  • Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).

Capital One Classic Visa Card

  • The credit card offers a mthly balance transfer intro rate of 2.528 percent.
  • You get balance transfer fee of 3 percent.
  • Monthly balance transfer rate of 2.528%.
  • New customers get 34.9% representative APR from this Classic Visa Card.
  • £1.50 minimum balance transfer fee is offered with Classic Visa Card.
  • Representative Example: 34.9% APR representative variable. Based on £1,200 credit limit & annual purchase rate 34.94% p.a. variable.

First Trust Credit Card Option 1

  • First Trust gives representative APR of 18.9%.
  • Cash credit rate of 18.9 percent is available to customers.
  • Maximum balance transfer fee of £0.
  • Credit Card Option 1 offers a maximum cashback rate of 0.5 percent.
  • You get 0.5% average cashback rate from this Credit Card Option 1.
  • Representative Example: The annual purchase rate is 18.9% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).

First Trust Credit Card Option 2

  • This First Trust Credit Card Option 2 has a £0 annual fee.
  • £0 minimum balance transfer fee.
  • Get std balance transfer rate of 16.9%.
  • Maximum balance transfer fee of £0 is offered with the credit card.
  • Mthly balance transfer rate of 1.31 percent is available with this credit card.
  • Take advantage of a bal transfer fee of 0% from this credit card.
  • Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).

Smile Gold Visa (Current Account holders)

  • Smile offers max balance transfer fee of £0.
  • Take advantage of £0 annual fee.
  • Mthly purchase intro rate of 1.019% is available with Gold Visa (Current Account holders).
  • 1.019 percent mthly balance transfer rate.
  • This credit card gives a minimum balance transfer fee of £0.
  • 1.019 percent mthly balance transfer intro rate is offered.
  • Representative Example: The annual purchase rate is 12.9% p.a.(variable) so if you spend £1,200 your representative APR will be 12.9% (variable).

The Co-operative Bank Friends of the Earth Flat Rate Visa

  • An annual fee of £0 is offered by The Co-operative Bank.
  • £0 minimum balance transfer fee.
  • Maximum balance transfer fee of £0.
  • Bal transfer fee of 0 percent is offered.
  • Cash loan rate of 12.9 percent is offered to you.
  • A 1.019 percent monthly purchase intro rate is offered.
  • Representative Example: The annual purchase rate is 12.9% p.a.(variable) so if you spend £1,200 your representative APR will be 12.9% (variable).

Barclaycard Gold Credit Card

  • Get a bal transfer limit of £5,000 from this credit card.
  • Unlimited maximum intro balance transfer fee.
  • Customers get 60 days initial balance transfer window from the credit card.
  • Customers get cash advance limit of £500.
  • Representative Example: The annual purchase rate is 19.9% p.a.(variable) so if you spend £1,200 your representative APR will be 19.9% (variable).