Compare Credit Building Credit Cards

Compare the best credit building credit cards at a glance and find the top credit card deal to build your credit score. Even if you have a bad credit history with CCJs our credit building credit cards comparison table will take the stress out of finding the credit building card that will help you improve your score.
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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
2.25%£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).
Best suited to those looking for their first credit card. Not recommended if you have missed multiple payments or if you have defaulted or have CCJS in the past.
SAV Credit Ltd
aqua card
£0
51
days
1%£5£1,60035.9%
Representative Example: The annual purchase rate is 35.9% p.a.(variable) so if you spend £1,200 your representative APR will be 35.9% (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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Expelled a few myths I had about food storage and shelf life. Great thanks.
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How to Choose the Best Credit Building Credit Cards

Selecting the best credit building credit card can be the first step to getting your credit rating back to where it should be & being able to access the best financial products on the market once again.

However credit building cards can be expensive so you need to do your leg work.

If you’ve got a less than perfect credit history and want to begin repairing your credit record then opting for a credit card to build your credit score could be a wise move.

However, as credit rebuilding credit cards for bad credit are aimed at people who may have struggled managing credit in the past or have no proven record repaying debts on time they can be more expensive than the top choice credit cards so you need to make sure you’re getting the best deal possible.

Credit re-building credit cards are also likely to offer a smaller credit limit than to their standard counterparts, meaning you may be limited to just how much you can spend on the card without exceeding this, doing further damage to your credit report and incurring extra charges.

However, despite these restrictions, using these credit cards to build credit rating is a good way to show lenders that you can manage your borrowing without any problems and over time improve your credit history.

Looking for a card with the lowest interest rate, for which you meet the application criteria, will ensure that if, for whatever reason, you are left with an outstanding balance on the card at the end of the month it will be as cheap as possible to repay.

However, the best way to manage credit building cards is to only spend what you can afford to repay in full each month so that you avoid being caught by the high interest rates the cards charge.

Doing this will also help improve your credit score as you will build up a track record of promptly repaying your debts, so that after 6-12 months you may find your credit record has improved enough to allow you to apply for more attractive financial products.

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

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