Credit builder credit cards

Compare credit builder credit cards. These cards allow you to build or repair your credit history gradually and are tailored for borrowers with a less than perfect credit score. If you’ve been rejected for credit cards in the past, they can be a good option.

  • Credit card
  • Balance
    transfers
  • Purchases
  • Representative
    APR
  • Product details
  • Apply
Barclaycard 18Mth Platinum Visa
0%
for 18 months
(2.9% fee)
0%
for 3 months
Representative
24.9%
APR
(variable)
  • No annual fee
  • Contactless payments
  • Paperless statements
  • No balance transfers from other Barclaycards
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 24.9% (variable), representative 24.9% APR (variable). Credit available subject to status.
Capital One Classic Preferred Platinum MasterCard
No introductory rate No introductory rate Representative
28.9%
APR
(variable)
  • Great for people trying to improve their credit score
  • Credit limit from £200 to £1,500
  • Easy, fast application with a response in 60 seconds
  • Unlikely to be accepted without previous UK credit history
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 28.9% (variable), representative 28.9% APR (variable). Credit available subject to status.
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 for 1 year, at a Purchase Rate of 29.7% (variable), representative 29.7% APR (variable). Credit available subject to status.
Vanquis Bank Aquis Visa
No introductory rate No introductory rate Representative
29.8%
APR
(variable)
  • Easy to manage credit limit up to £3K
  • This card will help you to build a good credit history and improve your credit rating
  • 24/7 SMS and Online Account Managment
  • Applicants must be aged 18+, UK resident and not bankrupt
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 29.8% (variable), representative 29.8% APR (variable). Credit available subject to status.
Vanquis Bank Visa
No introductory rate No introductory rate Representative
39.9%
APR
(variable)
  • Helps those who’ve been turned down for credit elsewhere
  • Builds credit rating
  • UK call centre
  • Takes just a minute to see if you’re approved
  • Applicants must be a UK resident and not bankrupt
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 39.9% (variable), representative 39.9% APR (variable). Credit available subject to status.
Capital One Classic
No introductory rate No introductory rate Representative
34.9%
APR
(variable)
  • Credit limit from £200 to £1,500
  • Great for people who want to build or rebuild their credit history
  • Unlikely to be accepted without previous UK credit history
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 34.9% (variable), representative 34.9% APR (variable). Credit available subject to status.
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 for 1 year, at a Purchase Rate of 34.9% (variable), representative 34.9% APR (variable). Credit available subject to status.
Capital One Classic Extra
No introductory rate No introductory rate Representative
34.9%
APR
(variable)
  • 0.5% cashback on all your purchases
  • Earn a £10 annual bonus for paying on time each month
  • No annual fee
  • Unlikely to be accepted without previous UK credit history
Apply »
Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 34.9% (variable), representative 34.9% APR (variable). Credit available subject to status.
Luma MasterCard
No introductory rate 0%
for 3 months
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 for 1 year, at a Purchase Rate of 35.9% (variable), representative 35.9% APR (variable). Credit available subject to status.
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 £100 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 for 1 year, at a Purchase Rate of 40.0% (variable), representative 39.9% APR (variable). Credit available subject to status.
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 £1,200 for 1 year, at a Purchase Rate of 59.9% (variable), representative 59.9% APR (variable). Credit available subject to status.

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The table shows a range of products from the market. We work with the majority of Financial Service Providers to show the best deals.

The All Credit Cards table is ranked in a formula that combines Likelihood of acceptance (Highest first), Balance Transfer Period (Longest Period first), Balance Transfer Fee (Lowest Fee first) and Representative APR (Lowest APR first).

The other tables are ranking using a formula that combines Likelihood of acceptance (Highest first), and the key aspect of the table, eg for the Low APR Table its Representative APR (lowest first) and for the 0% new purchases table its Purchase period (Longest Period first).

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