Bad credit credit cards

If you have a bad credit history, don't despair. There are a range of credit cards and pre-paid credit cards designed for people who have a poor credit rating. Sometimes, these cards can help you start rebuilding and repairing your credit score.

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  • Credit card
  • Balance
    transfers
  • Purchases
  • Representative
    APR
  • Product details
  • Apply
aqua Classic 29.7% MasterCard
aqua Classic 29.7% MasterCard 		No introductory rate No introductory rate Representative
29.7%
APR
(variable)
  • Free aqua Credit Checker, worth up to £80
  • Aqua accept people who have had CCJs or are on a low income
  • You must be +18yrs UK resident in the UK to apply
 Apply »
Representative example: assumed borrowing of £1,200, representative 29.7% APR (variable). Purchase rate 29.7% PA (variable). aqua card Services, Customer Care Department Pitreavie Business Park, Dunfermline, Scotland KY99 4BS.
Vanquis Bank Aquis Visa
Vanquis Bank Aquis Visa 		No introductory rate No introductory rate Representative
29.8%
APR
(variable)
  • This card will help you improve your credit rating
  • Easy to manage credit limit up to £1K with regular reviews
  • Applicants must be aged 18+, UK resident and not bankrupt
 Apply »
Representative example: assumed borrowing of £1,000, representative 29.8% APR (variable). Purchase rate 29.8% PA (variable).
Barclaycard Initial Visa
Barclaycard Initial Visa 		No introductory rate 0%
for 3 months 		Representative
29.9%
APR
(variable)
  • 0% on purchases for 3 months from opening your account
  • Includes contactless technology for payments of £20 and under
 Apply »
Representative example: assumed borrowing of £1,200, representative 29.9% APR (variable). Purchase rate 29.9% PA (variable).
Capital One Classic
Capital One Classic 		No introductory rate No introductory rate Representative
34.9%
APR
(variable)
  • Credit limit from £200 to £1,500
  • Choose your own card design
  • Unlikely to be accepted without previous UK credit history
 Apply »
Representative example: assumed borrowing of £1,200, representative 34.9% APR (variable). Purchase rate 34.94% PA (variable).
aqua Advance MasterCard
aqua Advance MasterCard 		No introductory rate No introductory rate Representative
34.9%
APR
(variable)
  • Free aqua Credit Checker, worth up to £80
  • Repay on time and your rate could reduce to 19.9% APR
  • No annual fee, No foreign exchange fees
  • You must be +18yrs UK resident in the UK to apply
 Apply »
Representative example: assumed borrowing of £1,200, representative 34.9% APR (variable). Purchase rate 34.9% PA (variable). aqua card Services, Customer Care Department Pitreavie Business Park, Dunfermline, Scotland KY99 4BS.
Luma
Luma 		No introductory rate No introductory rate Representative
35.9%
APR
(variable)
  • Good for credit building and no annual fee
  • Manageable credit limits – up to £1,500
  • Quick and easy application – get a response in 60 seconds
  • High APR
 Apply »
Representative example: assumed borrowing of £1,200, representative 35.9% APR (variable). Purchase rate 35.9% PA (variable).
aqua Classic 39.9% MasterCard
aqua Classic 39.9% MasterCard 		No introductory rate No introductory rate Representative
39.9%
APR
(variable)
  • Free aqua Credit Checker, worth up to £80
  • Credit limit from £250 to £1,600
  • Aqua accept people who have had CCJs or are on a low income
  • You must be +18yrs UK resident in the UK to apply
 Apply »
Representative example: assumed borrowing of £1,200, representative 39.9% APR (variable). Purchase rate 40.0% PA (variable). aqua card Services, Customer Care Department Pitreavie Business Park, Dunfermline, Scotland KY99 4BS.
Vanquis Bank Visa
Vanquis Bank Visa 		No introductory rate No introductory rate Representative
39.9%
APR
(variable)
  • Build your credit
  • UK call centre
  • High APR
 Apply »
Representative example: assumed borrowing of £1,000, representative 39.9% APR (variable). Purchase rate 39.9% PA (variable).
Black Diamond Credit Card
Black Diamond Credit Card 		No introductory rate No introductory rate Representative
59.9%
APR
(variable)
  • Initial credit limit from £150 to £1,000
  • No annual or monthly fees
  • High APR
 Apply »
Representative example: assumed borrowing of £500, representative 59.9% APR (variable). Purchase rate 59.9% PA (variable).
Shout Visa Credit Card
Shout Visa Credit Card 		No introductory rate No introductory rate Representative
627%
APR
(variable)
  • Shout Visa issues to first-time credit seekers
  • This card ideal for people with less than perfect credit
  • Initial credit limit up to £300 with affordable minimum payments
  • One monthly balance-based fee (£15 for every £100 borrowed or part thereof)
  • Credit limit up to £500 with maintenance of monthly payments
  • A £3.50 inactivity fee is charged monthly if the card is not used in any given month
 Apply »
If you spent £300 on a purchase transaction at the start of your agreement, incurred total monthly charges of £540 over a period of 20 months and made repayments in accordance with your Terms & Conditions, your APR would be 627% APR representative (variable).


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