Your initial purchase:
Pay back over:
Pay back each month:
This comparison includes all credit cards that may be available if you earn 10k or less.
This comparison now lists cards available if you earn 10,000 or less 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.
Vanquis Credit Card
Purchases
39.94% p.a. variable
Interest Free Purchase Period
56 days
Representative APR (variable)
39.9% APR
You will pay back
£1,194.07 over 12 months
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).
Yorkshire Bank Gold Credit Card
Purchases
0% for 20 months
Interest Free Purchase Period
59 days
Representative APR (variable)
18.9% APR
You will pay back
£1,000 over 12 months
Representative Example: The standard interest rate on purchases is 18.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Aquis Credit Card
Purchases
29.84% p.a. variable
Interest Free Purchase Period
56 days
Representative APR (variable)
29.8% APR
You will pay back
£1,148.71 over 12 months
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).
Clydesdale Bank Gold Credit Card
Purchases
0% for 20 months
Interest Free Purchase Period
59 days
Representative APR (variable)
18.9% APR
You will pay back
£1,000 over 12 months
Representative Example: The standard interest rate on purchases is 18.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
M&S Bank Credit Card
Purchases
0% for 19 months
Interest Free Purchase Period
55 days
Representative APR (variable)
18.9% APR
You will pay back
£1,000 over 12 months
Representative Example: The standard interest rate on purchases is 18.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Santander 123 Credit Card
Purchases
0% for 23 months
Interest Free Purchase Period
56 days
Representative APR (variable)
16.5% APR
You will pay back
£1,024 over 12 months
Representative Example: The standard interest rate on purchases is 12.7% p.a. (variable), so if you borrow £1,200 the Representative APR will be 16.5% APR (variable). £24 annual fee.
Nationwide Credit Card (Balance Transfer)
Purchases
0% for 3 months
Interest Free Purchase Period
56 days
Representative APR (variable)
17.9% APR
You will pay back
£1,051.98 over 12 months
Choose the Nationwide Credit Card offer that will best suit your needs. Earn commission-free purchases abroad & access a range of savings on big brands with the Simply Rewards Scheme.
Representative Example: The standard interest rate on purchases is 17.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 17.9% APR (variable).
Nationwide Credit Card (Purchases)
Purchases
0% for 15 months
Interest Free Purchase Period
56 days
Representative APR (variable)
17.9% APR
You will pay back
£1,000 over 12 months
Choose the Nationwide Credit Card offer that will best suit your needs. Earn commission-free purchases abroad & access a range of savings on big brands with the Simply Rewards Scheme.
Representative Example: The standard interest rate on purchases is 17.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 17.9% APR (variable).
Virgin Atlantic White Credit Card Account
Purchases
17.9% p.a. variable
Interest Free Purchase Period
46 days
Representative APR (variable)
17.9% APR
You will pay back
£1,092.30 over 12 months
3,000 miles with your first card purchase made within 90 days of account opening.
Representative Example: The standard interest rate on purchases is 17.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 17.9% APR (variable).
Virgin Atlantic Black Credit Card Account
Purchases
18.9% p.a. variable
Interest Free Purchase Period
46 days
Representative APR (variable)
52.0% APR
You will pay back
£1,250.80 over 12 months
18,500 miles with your first card purchase made within 90 days of account opening.
Representative Example: The standard interest rate on purchases is 18.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 52.0% APR (variable). £140 annual fee.
Tesco Bank Clubcard Credit Card for Purchases
Purchases
0% for 19 months
Interest Free Purchase Period
51 days
Representative APR (variable)
18.9% APR
You will pay back
£1,000 over 12 months
Representative Example: The standard interest rate on purchases is 18.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Capital One Classic Card
Purchases
34.94% p.a. variable
Interest Free Purchase Period
56 days
Representative APR (variable)
34.9% APR
You will pay back
£1,171.98 over 12 months
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).
Tesco Bank Clubcard Credit Card (Balance Transfer)
Purchases
0% for 3 months
Interest Free Purchase Period
51 days
Representative APR (variable)
18.9% APR
You will pay back
£1,054.64 over 12 months
Representative Example: The standard interest rate on purchases is 18.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
MBNA Platinum Credit Card (35 Mths)
Purchases
18.9% p.a. variable
Interest Free Purchase Period
50 days
Representative APR (variable)
18.9% APR
You will pay back
£1,097.19 over 12 months
0% on money transfers for 12 months from the date your account is opened (4% handling fee). For this great rate your balance needs to be transferred within the first 60 days of your account opening.
Representative Example: The standard interest rate on purchases is 18.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Sainsbury's Bank Nectar Purchase Credit Card
Purchases
0% for 19 months
Interest Free Purchase Period
56 days
Representative APR (variable)
18.9% APR
You will pay back
£1,000 over 12 months
Representative Example: The standard interest rate on purchases is 18.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
MBNA Everyday Credit Card
Purchases
0% for 16 months
Interest Free Purchase Period
50 days
Representative APR (variable)
18.9% APR
You will pay back
£1,000 over 12 months
0% on money transfers for 22 months from the date your account is opened (4% handling fee). For this great rate your balance needs to be transferred within the first 60 days of your account opening. ConsumerMoneyfacts Credit Card Provider of 2015.
Representative Example: The standard interest rate on purchases is 18.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Aqua Classic Card (29.7%) - Semi Excl
Purchases
29.71% p.a. variable
Interest Free Purchase Period
51 days
Representative APR (variable)
29.7% APR
You will pay back
£1,148.13 over 12 months
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).
Sainsbury's Bank Nectar No BT Fee Credit Card
Purchases
0% for 13 months
Interest Free Purchase Period
56 days
Representative APR (variable)
18.9% APR
You will pay back
£1,000 over 12 months
Representative Example: The standard interest rate on purchases is 18.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Bank of Scotland Platinum Balance Transfer Card (28 Mths)
Purchases
0% for 12 months
Interest Free Purchase Period
56 days
Representative APR (variable)
18.9% APR
You will pay back
£1,000 over 12 months
1.5% Balance transfer fee applies in the first 90 days, 3% fee applies there after.
Representative Example: The standard interest rate on purchases is 18.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Tesco Bank Clubcard Credit Card with No BT Fee
Purchases
0% for 1 month
Interest Free Purchase Period
51 days
Representative APR (variable)
18.9% APR
You will pay back
£1,081.40 over 12 months
No Balance Transfer fee. Earn Clubcard points wherever you use your card, plus your usual points in Tesco, Terms apply.
Representative Example: The standard interest rate on purchases is 18.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).

money.co.uk, Dot Zinc Limited, 160 Fleet Street, London. EC4A 2DQ. We are a Credit Broker for all consumer credit products promoted on money.co.uk.

We provide an independent comparison service free of charge but we may receive a commission from some of the companies we refer you to. These are indicated with purple buttons.

How to Get Approved for Your First Credit Card

by DaisyLill

Much has been written about the problems with getting credit cards if you've had financial problems like bankruptcy in the past, but the difficulties experienced by those completing their first credit card application aren't so well documented.

young man shopping online

Although it might sound strange, lenders are often as cautious - and in some cases more so - about providing credit to individuals who are applying for a first time credit card.

This is because there is simply nothing for them to base their assessment on; if you haven't borrowed money before a lender cannot judge whether you present a secure or risky investment.

Therefore, for those applying for their first credit card no credit history can be a major stumbling block. However, it doesn't necessarily mean that there is no way forward.

Prepare for your first credit card application

If you are hoping to get your first time credit card for a specific purchase, planning well ahead of the event might mean you end up paying less in the long term.

Realistically, the first card you apply for may not provide you with the most competitive rates. However, if you have prepared well enough in advance, this shouldn't matter.

Apply for a credit building credit card and use your card regularly - no matter what the interest rate is - and repay it in full every month before the due date. By adopting this technique you will find that not only will you not have to pay a penny in interest, but you will very quickly notch up a good credit rating allowing you to apply online for another card, at a more competitive rate, having boosted your chances of acceptance.

When it comes to using your first credit card to build credit repaying your balance in full and on time should be your primary focus, not spending or borrowing more money than you can pay off in one go.

Your card limit is also likely to be relative low; another reason why it is essential to plan in advance. There are many cards which are ideally suited for a first timer, you just have to pick the option that's right for you.

Boosting your credit rating

Of course, adopting the above method to try and get your first credit cards will be of no use whatsoever if you don't stick to the normal rules.

This means making sure you are on the electoral roll, checking there are no errors, inaccuracies or omissions in your credit history and that your name is not incorrectly linked with another individual who has financial problems.

If you choose a credit building credit card suitable for first time applicants and make sure you repay your balance on time, don't pay less than the minimum and keep the rest of your credit rating in tip-top condition, it won't take long before you will qualify for some of the better credit card deals on the market.

You can compare the credit cards available to first time credit card holders in our first credit cards comparison table.