Your initial purchase:
Pay back over:
Pay back each month:
This comparison includes a selection of cards that may be available if you're new to credit.
This comparison now lists cards that fit your criteria.
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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).
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).
Aqua Advance Card
Purchases
34.92% p.a. variable
Interest free purchase period
51 days
Representative APR (variable)
34.9% APR
You will pay back
£1,171.75 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 34.92% p.a. (variable), so if you borrow £1,200 the Representative APR will be 34.9% 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).
Barclaycard Initial Credit Card With Purchases
Purchases
0% for 3 months
Interest free purchase period
56 days
Representative APR (variable)
34.9% APR
You will pay back
£1,094.78 over 12 months
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
Purchases
34.91% p.a. variable
Interest free purchase period
51 days
Representative APR (variable)
34.9% APR
You will pay back
£1,171.75 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 34.91% p.a. (variable), so if you borrow £1,200 the Representative APR will be 34.9% APR (variable).
Aqua Start Card
Purchases
49.94% p.a. variable
Interest free purchase period
51 days
Representative APR (variable)
49.9% APR
You will pay back
£1,236.91 over 12 months
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
Purchases
34.9% p.a. variable
Interest free purchase period
56 days
Representative APR (variable)
34.9% APR
You will pay back
£1,171.69 over 12 months
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).
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).
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).
MBNA Platinum Credit Card (36 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 20 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).
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).
MBNA Low Rate Credit Card
Purchases
6.5% p.a. variable
Interest free purchase period
50 days
Representative APR (variable)
6.6% APR
You will pay back
£1,034.79 over 12 months
Representative Example: The standard interest rate on purchases is 6.5% p.a. (variable), so if you borrow £1,200 the Representative APR will be 6.6% APR (variable).
Sainsbury's Bank Nectar Balance Transfer Credit Card
Purchases
0% for 6 months
Interest free purchase period
56 days
Representative APR (variable)
18.9% APR
You will pay back
£1,025.14 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 (36 Mths)
Purchases
0% for 6 months
Interest free purchase period
56 days
Representative APR (variable)
18.9% APR
You will pay back
£1,025.14 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).
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).
Lloyds Bank 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 18.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Halifax All in One 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).
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).

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How to Get Approved for Your First Credit Card

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.

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.

Featured guide

Credit card FAQs

Credit cards can be a cheap and flexible way to borrow money. But with so many different cards on the market, a host of rules and potentially high charges, you need to be on the ball.

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