Chrome Credit Card (29.3%) - Excl

CCJs Allowed | |
Credit Rating | poor |
History of Bankruptcy | false |
Minimum Age | 18 years |
UK Resident |
If you've never borrowed before or you have a poor credit history, a credit building credit card could help you improve your credit score.
without affecting your credit score
You'll only find results from genuine companies. Our data experts check each company before we add them to our comparisons.
1
Use our free eligibility checker
Find out which cards you're most likely to be accepted for before you make an application. This won't hurt your credit score.
2
Filter the results according to your needs
You can order the results table according to what's important to you, whether it's APR, chance of acceptance or available credit limit.
3
Pick the deal you want
Choose a card the best suits your circumstances and the one that you're most likely to be accepted for.
CCJs Allowed | |
Credit Rating | poor |
History of Bankruptcy | false |
Minimum Age | 18 years |
UK Resident |
CCJs Allowed | |
Credit Rating | poor |
History of Bankruptcy | not in last 12 months |
Minimum Age | 18 years |
UK Resident |
CCJs Allowed | not in last 12 months |
Credit Rating | poor |
History of Bankruptcy | not in last 18 months |
Minimum Age | 18 years |
UK Resident |
CCJs Allowed | not in last 12 months |
Credit Rating | poor |
History of Bankruptcy | not in last 18 months |
Minimum Age | 18 years |
UK Resident |
CCJs Allowed | not in last 12 months |
Credit Rating | poor |
History of Bankruptcy | |
Minimum Age | 18 years |
UK Resident |
CCJs Allowed | only one allowed |
Credit Rating | poor |
History of Bankruptcy | false |
Minimum Age | 18 years |
Minimum Income | £3,000 |
UK Resident |
CCJs Allowed | |
Credit Rating | poor |
History of Bankruptcy | not in last 12 months |
Minimum Age | 18 years |
UK Resident |
CCJs Allowed | |
Credit Rating | poor |
History of Bankruptcy | not in last 12 months |
Minimum Age | 18 years |
UK Resident |
CCJs Allowed | |
Credit Rating | poor |
History of Bankruptcy | not in last 12 months |
Minimum Age | 18 years |
UK Resident |
CCJs Allowed | |
Credit Rating | poor |
History of Bankruptcy | |
Minimum Age | 18 years |
UK Resident |
We are classed as a credit broker for consumer credit, not a lender.
Our services are provided at no cost to you. We may receive a commission from the companies we refer you to, but this does not affect what you will pay for the product you choose.
If you’ve got poor credit or no credit, it can be difficult to borrow money cheaply. But specially designed credit cards for bad credit, or no credit, are designed for people just like you.
There’s a whole market dedicated to credit cards for bad credit - and by using them regularly, and paying them off on time, you can quickly improve your credit score to help you get the best deals when you apply for other products.
Sometimes people call them ‘bad credit cards’ or ‘poor credit cards’. They are also more commonly known as credit building credit cards.
Credit building credit cards are for those trying to improve their credit score, They can also be useful for those who are unable to qualify for the best deals in the market.
Some reasons for that could be:
You've declared bankruptcy in the past
You've had a county court judgement (CCJ) against your name
You have no history of borrowing or have never had a credit card
You have a record of missed payments
You're not registered on the electoral roll
Some credit cards for very bad credit even accept people who’ve been bankrupt or had a County Court Judgment against them.
Credit building credit cards can be a good way to rebuild your credit record if you have poor credit history. But you'll have to make your repayments on time and not miss any payments. They are also just as useful in building your credit score if you have no credit history and are applying for your first credit card.
If you find yourself frequently missing payments, or are struggling to cover bills, it's wise to get speak to your existing lenders or one of the UK's free, independent debt advice charities¹.
If you use a credit builder card carefully, you could improve your credit record. By making repayments on time and staying within your credit limit for several months - typically about six months - you'll soon start making a difference.
Paying back what you borrow on time looks good to banks and providers, even if you’ve had debt problems in the past. Credit builder cards are a good way of proving you can pay back what you borrow. Then you might get a better credit score next time your finances are looked into.
Having one of these credit cards to build credit should make it easier for you to get accepted for credit cards, mortgages and loans in future. You’ll also have more options open to you, so you’ll have a better chance of being able to get the best ones on the market.
Read more about how to improve your credit score
Credit building cards should be seen purely as tools to improve your credit. Using them for daily expenses and paying off the balance in full is the best way to get the most of out them. ”Salman Haqqi, Personal Finance Editor
When it comes to finding credit cards for really bad credit, there are a few simple tips you should remember:
Don’t apply for cards you’re not likely to get, and don’t make multiple applications
Use our eligibility checker before you apply
Compare credit cards for bad credit using our table
Check the APR and try to choose a lower one
Use credit builder cards carefully – pay them off in full and make repayments on time
Be patient – a good credit score can take time to build or rebuild.
If you want to borrow a small sum of cash to repay a debt, or clear an overdraft, you can use a money transfer credit card to move cash into your current account.
Read more about transfering money from a credit cardIf you have struggled with debt in the past, you may still be able to get a credit card. Here is how to get a credit card with a poor credit history and start to rebuild your credit record for the future.
Read MoreThere's more than one way to pay off credit card debt. Whatever you choose to do, you could drastically cut down your interest payments and become debt-free sooner.
Read MoreBelow you can find a list of our most popular credit cards:
Business credit cards
Credit cards for bad credit
Best credit card to build credit
Balance transfer credit cards
0% interest credit cards
Student credit cards
Below is a list of products you may be interested in:
Comparing credit cards could help you save money or get more rewards from your spending. Our award-winning credit card comparison service makes sure you get our best deals for 0% periods and more. Our aim is to provide you with the most up-to-date information, as well as useful tools and calculators so to help you make life's most important decisions and take control of your money.
We have always aimed to provide the best possible services to bridge the gap between our users and our clients. Over the years, we have been thrilled to be recognised by various prestigious bodies and organisations for those efforts.
Last updated: 4 February, 2022
¹ StepChange, National Debtline and Citizen's Advice are some of the UK's leading debt charities where you can get free expert debt advice to help you get out of debt.