Arrears & late payment:
CCJs:
Declared bankrupt:
Employment status:
This comparison includes all cards that may be available if you have a low credit score.
This comparison now shows cards designed for bad credit customers that fit your criteria.
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Aqua Classic Card (29.7%) - Semi Excl
Interest free purchase period
51 days
Maximum credit limit
£1,200
Representative APR (variable)
29.7% APR
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).
Capital One Classic Card
Interest free purchase period
56 days
Maximum credit limit
£1,500
Representative APR (variable)
34.9% APR
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).
Vanquis Credit Card
Interest free purchase period
56 days
Maximum credit limit
£1,000
Representative APR (variable)
39.9% APR
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).
Capital One Classic Platinum Card
Interest free purchase period
56 days
Maximum credit limit
£1,500
Representative APR (variable)
29.8% APR
Representative Example: The standard interest rate on purchases is 29.84% p.a. (variable), so if you borrow £1,200 the Representative APR will be 29.8% APR (variable).
Ocean Finance Credit Card
Interest free purchase period
56 days
Maximum credit limit
£1,500
Representative APR (variable)
34.9% APR
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).
Aqua Advance Card
Interest free purchase period
51 days
Maximum credit limit
£1,200
Representative APR (variable)
34.9% APR
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
Interest free purchase period
56 days
Maximum credit limit
£1,000
Representative APR (variable)
29.8% APR
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
Interest free purchase period
56 days
Maximum credit limit
£1,200
Representative APR (variable)
34.9% APR
0% interest on all your purchases for six months from account opening. Offer available until 4th June 2015.
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
Interest free purchase period
51 days
Maximum credit limit
£1,200
Representative APR (variable)
34.9% APR
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
Interest free purchase period
51 days
Maximum credit limit
Subject to status
Representative APR (variable)
49.9% APR
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).
Original Credit Card
Interest free purchase period
56 days
Maximum credit limit
£1,000
Representative APR (variable)
39.9% APR
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).
Argos Credit Card
Interest free purchase period
56 days
Maximum credit limit
£1,000
Representative APR (variable)
39.9% APR
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: 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).
Black Diamond Visa Credit Card
Interest free purchase period
56 days
Maximum credit limit
£1,000
Representative APR (variable)
59.9% APR
Representative Example: The standard interest rate on purchases is 59.94% p.a. (variable), so if you borrow £1,000 the Representative APR will be 59.9% APR (variable).
Granite Credit Card
Interest free purchase period
56 days
Maximum credit limit
£1,000
Representative APR (variable)
34.9% APR
Credit offered by Vanquis Bank.
Representative Example: The standard interest rate on purchases is 34.95% p.a. (variable), so if you borrow £1,000 the Representative APR will be 34.9% APR (variable).
Luma Credit Card
Interest free purchase period
56 days
Maximum credit limit
£1,500
Representative APR (variable)
35.9% APR
Representative Example: The standard interest rate on purchases is 35.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 35.9% APR (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.

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.

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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