Aqua Classic Card (29.7%) - Semi Excl
Interest Free PeriodMaximum Credit LimitRepresentative APR
51 days£1,20029.7%
Helps build your credit rating, and now track changes with FREE reports and alerts worth up to £80 per year. Get a response in 60 seconds.
Representative Example: The annual purchase rate is 29.71% p.a.(variable) so if you spend £1,200 your representative APR will be 29.7% (variable).
 
Capital One Classic Card
Interest Free PeriodMaximum Credit LimitRepresentative APR
56 days£1,50034.9%
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.
 
Vanquis Visa Card
Interest Free PeriodMaximum Credit LimitRepresentative APR
up to 56 days on purchases£1,00039.9%
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.
 
Capital One Classic Platinum Card
Interest Free PeriodMaximum Credit LimitRepresentative APR
56 days£1,50029.8%
Representative example: Assuming a credit limit of £1,200 and an interest rate on purchases of 29.84% p.a. variable, you will receive a 29.8% APR representative variable.
 
Aqua Advance Card
Interest Free PeriodMaximum Credit LimitRepresentative APR
51 days£1,20034.9%
Simply keep to your credit limit, make repayments when due and watch your interest rate drop to 19.9% APR (variable).
Representative Example: The annual purchase rate is 34.92% p.a.(variable) so if you spend £1,200 your representative APR will be 34.9% (variable).
 
Aquis Credit Card
Interest Free PeriodMaximum Credit LimitRepresentative APR
up to 56 days on purchases£1,00029.8%
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).
 
Capital One Classic Extra Card
Interest Free PeriodMaximum Credit LimitRepresentative APR
56 days£1,50034.9%
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.
 
Aqua Classic Card (35.9%) Excl
Interest Free PeriodMaximum Credit LimitRepresentative APR
51 days£1,20035.9%
Helps build your credit rating, and now track changes with FREE reports and alerts worth up to £80 per year.
Representative Example: The annual purchase rate is 35.94% p.a.(variable) so if you spend £1,200 your representative APR will be 35.9% (variable).
 
Aqua Classic Card (39.9%)
Interest Free PeriodMaximum Credit LimitRepresentative APR
51 days£1,20039.9%
Helps build your credit rating, and now track changes with FREE reports and alerts worth up to £80 per year.
Representative Example: The annual purchase rate is 39.94% p.a.(variable) so if you spend £1,200 your representative APR will be 39.9% (variable).
 
Barclaycard Initial Credit Card - Excl
Interest Free PeriodMaximum Credit LimitRepresentative APR
56 days£1,20034.9%
Enjoy 0% interest on purchases for six months from account opening. T&Cs apply.
Not available to applicants who already have a Barclaycard credit card.
Representative Example: The annual purchase rate is 34.9% p.a.(variable) so if you spend £1,200 your representative APR will be 34.9% (variable).
 
Aqua Reward Credit Card
Interest Free PeriodMaximum Credit LimitRepresentative APR
51 days£1,20034.9%
Representative Example: The annual purchase rate is 34.91% p.a.(variable) so if you spend £1,200 your representative APR will be 34.9% (variable).
 
Ocean Finance Credit Card
Interest Free PeriodMaximum Credit LimitRepresentative APR
56 days£1,50034.9%
Representative Example: The annual purchase rate is 34.94% p.a.(variable) so if you spend £1,200 your representative APR will be 34.9% (variable).
 
Argos Credit Card
Interest Free PeriodMaximum Credit LimitRepresentative APR
up to 56 days on purchases£1,00039.9%
You must not have applied for a Vanquis, Granite, Aquis or Black Diamond Card within the last 6 months. Do not apply for the Argos Credit Card if you currently hold a Vanquis, Granite, Aquis or Black Diamond Card.
Credit offered by Vanquis Bank.
Representative Example: Representative 39.9% APR variable. Based on £1,000 credit limit & annual purchase rate 39.94% p.a. variable.
 
Luma Purchase Card
Interest Free PeriodMaximum Credit LimitRepresentative APR
56 days£1,50035.9%
Representative Example: The annual purchase rate is 35.94% p.a.(variable) so if you spend £1,200 your representative APR will be 35.9% (variable).
 
Argos Credit Card - Direct
Interest Free PeriodMaximum Credit LimitRepresentative APR
56 days£1,00029.9%
Credit offered by Vanquis Bank.
Representative Example: The annual purchase rate is 29.9% p.a.(variable) so if you spend £1,000 your representative APR will be 29.9% (variable).
 
Barclaycard Initial Credit Card
Interest Free PeriodMaximum Credit LimitRepresentative APR
56 days£1,20034.9%
Not available to applicants who already have a Barclaycard credit card.
Representative Example: The annual purchase rate is 34.9% p.a.(variable) so if you spend £1,200 your representative APR will be 34.9% (variable).
 
Black Diamond Visa Credit Card
Interest Free PeriodMaximum Credit LimitRepresentative APR
56 days£1,00059.9%
Representative Example: The annual purchase rate is 59.94% p.a.(variable) so if you spend £250 your representative APR will be 59.9% (variable).
 
Granite Credit Card
Interest Free PeriodMaximum Credit LimitRepresentative APR
56 days£1,00034.9%
Credit offered by Vanquis Bank.
Representative Example: The annual purchase rate is 34.95% p.a.(variable) so if you spend £1,000 your representative APR will be 34.9% (variable).
 
Luma Credit Card
Interest Free PeriodMaximum Credit LimitRepresentative APR
56 days£1,50035.9%
Representative Example: The annual purchase rate is 35.94% p.a.(variable) so if you spend £1,200 your representative APR will be 35.9% (variable).
 
Tesco Bank Foundation Clubcard Credit Card
Interest Free PeriodMaximum Credit LimitRepresentative APR
51 days-28.9%
Representative Example: The annual purchase rate is 28.94% p.a.(variable) so if you spend £1,200 your representative APR will be 28.9% (variable).
 

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Can You Get Credit Cards for Low Credit Score?

If you have a bad credit history borrowing money can be difficult. However if you choose a special credit card for low credit score you can not only secure credit, but start rebuilding your track record. Here’s what to look out for.

Lady Laptop Credit Cards

Applying for a credit card with low credit to your history can be a dispiriting experience. Time after time, you’ll draw a blank.

After years of indulging our appetite for borrowing, the party is well and truly over and banks are increasingly cautious.

So, if you have poor credit, what should you do?

Do you need the credit?

The first point of action is to look at your finances and try to decide whether borrowing is right for you, could you cut back your spending elsewhere to save money or is a loan or credit card your only option?

You also need to look at your own track record.

A credit card company might decline you because of various factors – not just a low credit score, but also low income or unstable income.

If you’re self-employed, for example, it can be additionally difficult to get a card.

Their risk assessment will have determined that you will be unable to make the repayments and therefore represent an unstable risk. So, it’s worth thinking if they’re right – a credit card may not be the best option.

Rebuilding your credit score

That said, a credit card can be useful as a tool for rebuilding your credit score.

If you borrow a little bit each month and then pay it off you’ll gradually improve your score until you can access better rate.

Finding a low credit rating credit card

Once you’ve decided that you need a credit card, the next stage is to find the right one.

There are a number of credit cards specifically tailored to people with poor credit. They’ve noticed that there is a growing number of people who, for various reasons, have had problems in the past which affect their chances of accessing credit in the present. Despite all this they still represent a reasonably good bet.

The most obvious difference with the credit cards is that they offer a significantly higher interest rate. You’ll typically find yourself paying around 30% interest rate plus.

Naturally, this makes it somewhat more expensive and you’ll have to manage your finances effectively. The most important thing to remember is to clear your balance every month.

This will enable you to keep building up your score and keep you out of trouble. If a balance builds you can quickly find yourself struggling to make payments – and of course if you should miss one, your credit rating will deteriorate even further.

How to find the best credit card for low credit rating

There are many good credit cards for low credit score out there on the market, but likewise there are a couple of rotters as well.

People often make bad choices through the feeling that they have little choice, the important thing to remember here is that you do. This is a growing market and there are more players here than you might think.

Look for cards which have a low or no annual fee or try to find a low payment credit card for bad credit, which will minimize your monthly outgoings. The big drawback of this, of course, will be that it will take longer to pay off your balance if you stick to this minimum amount.

The one thing to remember is not to panic and see this as the start of a process of rebuilding your score.

Low credit score cards should be seen as the beginning point – a place where you can start your journey back. All being well, after a few years, you’ll be able to access much better credit card services and interest rates.

You can compare the different options available in our Low Credit Score Credit Cards comparison table.

Credit Card Comparison