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.

  • Credit card
  • Balance
    transfers
  • Purchases
  • Representative
    APR
  • Product details
  • Apply
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
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
No introductory rate 0%
for 5 months
Representative
29.9%
APR
(variable)
  • 0% on purchases for 5 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
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
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 Visa
No introductory rate No introductory rate Representative
35.9%
APR
(variable)
  • Manageable credit limit up to £1,500
  • Good for credit building and no annual fee
  • Get a response in 60 seconds
Apply »
Representative example: assumed borrowing of £1,200, representative 35.9% APR (variable). Purchase rate 35.9% PA (variable).
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
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
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
No introductory rate No introductory rate Representative
627%
APR
(variable)
  • Shout Visa could approve you even if you are a first time credit seeker
  • This card may be suitable for people who have less than perfect credit history
  • Initial credit limit up to £300 with affordable minimum payments
  • One monthly balance-based fee (£15 for every £100 borrowed or part thereof)
  • 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).

Some important information about this page

Some of the products featured here are advertisements where the providers pay us for custom our site generates for them. If you have any questions about the products featured please contact us.

We are normally made aware of changes to rates and products, but very occasionally changes may occur without our being notified. If you spot any mistakes or inaccuracies on our site, please contact us.

Please note that the services and products featured are those made available from advertisers and may not necessarily be the best offers on the market. For more information, please see our Credit cards advertising disclosure.

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