Your initial purchase:
Pay back over:
Pay back each month:
Vanquis Visa Card
Interest Free PeriodCredit RatingNew to CreditRepresentative APR
up to 56 days on purchasesPooryes39.9%
Suitable if you are new to credit, had had CCJs or other issues with credit. Can apply for up to £1,000 credit.
Representative Example: Representative 39.9% APR variable. Based on £1,000 credit limit & annual purchase rate 39.94% p.a. variable.
Sainsbury's Bank Nectar Credit Card
Interest Free PeriodCredit RatingNew to CreditRepresentative APR
56 daysGoodyes18.9%
Double Nectar points on Sainsbury's shopping and 1 Nectar point for every £5 spent on your card elsewhere.
Representative Example: The annual purchase rate is 18.95% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
Nationwide Credit Card (Balance Transfer)
Interest Free PeriodCredit RatingNew to CreditRepresentative APR
56 daysGoodyes17.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
Aquis Credit Card
Interest Free PeriodCredit RatingNew to CreditRepresentative APR
up to 56 days on purchasesPooryes29.8%
Credit offered by Vanquis Bank.
Representative Example: The annual purchase rate is 29.84% p.a.(variable) so if you spend £1,000 your representative APR will be 29.8% (variable).
Halifax All in One Card Credit Card
Interest Free PeriodCredit RatingNew to CreditRepresentative APR
56 daysGoodyes17.9%
The APR and length of the promotional offer are dependent on your personal circumstances.
Representative Example: The annual purchase rate is 17.95% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
Nationwide Credit Card (Purchases)
Interest Free PeriodCredit RatingNew to CreditRepresentative APR
56 daysGoodyes17.9%
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
M&S Bank Credit Card
Interest Free PeriodCredit RatingNew to CreditRepresentative APR
55 daysGoodyes16.9%
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).
Santander 123 Credit Card
Interest Free PeriodCredit RatingNew to CreditRepresentative APR
56 daysGoodyes16.5%
Representative Example: The annual purchase rate is 12.7% p.a.(variable) so if you spend £1,200 your representative APR will be 16.5% (variable)+£24 fee p.a
Virgin Atlantic White Credit Card Account from MBNA
Interest Free PeriodCredit RatingNew to CreditRepresentative APR
46 daysGoodyes17.9%
3,000 miles with your first card purchase made within 90 days of account opening. Plus an additional 7,000 bonus miles if applied for before 31/10/2014 with a total spend of £1,000 in the first 90 days.
Representative Example: The annual purchase rate is 17.9% p.a.(variable) so if you spend £1,200 your representative APR will be 17.9% (variable).
Lloyds Bank Advance Credit Card
Interest Free PeriodCredit RatingNew to CreditRepresentative APR
0 daysGoodyes11.9%
Representative Example: The annual purchase rate is 11.95% p.a.(variable) so if you spend £1,200 your representative APR will be 11.9% (variable).
AA Rewards Credit Card
Interest Free PeriodCredit RatingNew to CreditRepresentative APR
50 daysGoodyes16.9%
Earn Reward Points every time you spend, earn double on fuel. Redeem on a range of products including shopping vouchers and cash back.
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).
fluid Low Fee Balance Transfer Card
Interest Free PeriodCredit RatingNew to CreditRepresentative APR
50 daysGoodyes19.9%
The introductory rate is for balances transferred within the first 60 days of your account opening. 0% on money transfers for the first 10 months with a 4% handling fee.
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).
Virgin Atlantic Black Credit Card Account from MBNA
Interest Free PeriodCredit RatingNew to CreditRepresentative APR
46 daysGoodyes52.0%
18,500 miles with your first card purchase made within 90 days of account opening. Plus an additional 6,500 bonus miles if applied for before 31/10/2014 with a total spend of £2,000 in the first 90 days.
Representative Example: 18.9% p.a. variable on card purchases. This is equivalent to 52.0% APR representative variable based on a credit limit of £1,200. Annual fee of £140 is payable.
Capital One Classic Card
Interest Free PeriodCredit RatingNew to CreditRepresentative APR
56 daysPoorno34.9%
A quick response in 60 seconds.
Representative Example: 34.9% APR representative variable. Based on £1,200 credit limit & annual purchase rate 34.94% p.a. variable.
Tesco Bank Clubcard Credit Card for Purchases
Interest Free PeriodCredit RatingNew to CreditRepresentative APR
51 daysGoodno18.9%
Representative Example: The annual purchase rate is 18.94% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
Capital One Classic Extra Card
Interest Free PeriodCredit RatingNew to CreditRepresentative APR
56 daysPoorno34.9%
A quick response in 60 seconds.
Representative Example: 34.9% APR representative variable. Based on £1,200 credit limit & annual purchase rate 34.94% p.a. variable.
MBNA Platinum Credit Card
Interest Free PeriodCredit RatingNew to CreditRepresentative APR
50 daysGood-18.9%
0% on money transfers for 32 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 2014.
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).
Virgin Balance Transfer Credit Card
Interest Free PeriodCredit RatingNew to CreditRepresentative APR
50 daysGood-18.9%
0% on money transfers for 29 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 annual purchase rate is 18.9% p.a.(variable) so if you spend £1,200 your representative APR will be 18.9% (variable).
Tesco Bank Clubcard Credit Card (Balance Transfer)
Interest Free PeriodCredit RatingNew to CreditRepresentative APR
51 daysGood-18.9%
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).
MBNA Everyday Credit Card
Interest Free PeriodCredit RatingNew to CreditRepresentative APR
50 daysGood-14.9%
0% on money transfers for 21 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 2014.
Representative Example: The annual purchase rate is 14.9% p.a.(variable) so if you spend £1,200 your representative APR will be 14.9% (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.

Man Internet Shopping

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.

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