Compare Credit Building Cards

Compare our selection of credit building card deals in the table below. These credit cards are aimed at those looking for their first credit card and those wishing to rebuild and improve their credit rating. When you find the card you are looking for click on the “see deal” button to go straight to the provider and apply for your new credit card.

Provider Details

Tesco Bank Foundation Clubcard Credit Card

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  • Minimum Credit Limit£250
  • Maximum Credit Limit£1,500
  • Representative APR27.5% APR Variable
Earn 1 Clubcard point for every £4 spent in Tesco and 1 point for every £8 spent outside Tesco. Monitor your credit score via Noddle. Text and email alerts to help you avoid missed payments.

Representative example: When you spend £1,200 at a rate of 27.54% (variable) per annum, your representative APR is 27.5% APR (variable)

Vanquis Chrome Credit Card

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  • Minimum Credit Limit£250
  • Maximum Credit Limit£4,000
  • Representative APR24.7% APR Variable
Start with a manageable credit limit between £250 and £1,000. Text and email alerts to help you avoid missed payments.

Representative example: When you spend £1,000 at a rate of 24.7% (variable) per annum, your representative APR is 24.7% APR (variable)

Marbles Classic Credit Card

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  • Minimum Credit Limit£100
  • Maximum Credit Limit£1,200
  • Representative APR24.8% APR Variable
Start with an easy to manage credit limit between £100 and £1,200. Credit limit review after 3 months.

Representative example: When you spend £1,200 at a rate of 24.8% (variable) per annum, your representative APR is 24.8% APR (variable)

Aqua Advance Credit Card

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  • Minimum Credit Limit£250
  • Maximum Credit Limit£1,200
  • Representative APR34.9% APR Variable
Reduce the interest rate by 5% per year for 3 years if you make all payments on time. Opportunity to increase credit limit.

Representative example: When you spend £1,200 at a rate of 34.91% (variable) per annum, your representative APR is 34.9% APR (variable)

Aquis Visa Credit Card

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  • Minimum Credit Limit£250
  • Maximum Credit Limit£4,000
  • Representative APR29.8% APR variable
Credit limit increases available every 5 months to improve credit score.

Representative example: When you spend £1,000 at a rate of 29.84% (variable) per annum, your representative APR is 29.8% APR (variable)

Capital One Classic MasterCard

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  • Minimum Credit Limit£200
  • Maximum Credit Limit£1,500
  • Representative APR34.9% APR variable
Up to 2 optional credit limit increases per year to help improve your credit score.

Representative example: When you spend £1,200 at a rate of 34.94% (variable) per annum, your representative APR is 34.9% APR (variable)

Barclaycard Initial Credit Card

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  • Minimum Credit Limit£150
  • Maximum Credit Limit£1,200
  • Representative APR34.9% APR Variable
3 months 0% on purchases. Free access to your Experian credit score.

Representative example: When you spend £1,200 at a rate of 34.9% (variable) per annum, your representative APR is 34.9% APR (variable)

Fluid 9 Month Balance Transfer Card

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  • Minimum Credit Limit£300
  • Maximum Credit Limit£2,000
  • Representative APR29.9% APR variable
0% on balance transfers for 9 months (4% fee). Flexible payment dates. Designed to help you improve your credit rating.

Representative example: When you spend £1,000 at a rate of 29.94% (variable) per annum, your representative APR is 29.9% APR (variable)

Opus Classic Credit card

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  • Minimum Credit Limit£250
  • Maximum Credit Limit£1,200
  • Representative APR39.9% APR variable
Check your eligibility before you apply without affecting your credit rating. Move cash into your bank account with Money Transfers (3% transfer fee, terms apply)

Representative example: When you spend £1,200 at a rate of 39.9% (variable) per annum, your representative APR is 39.9% APR (variable)

Asda Cashback Start Credit Card

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  • Minimum Credit Limit£100
  • Maximum Credit Limit£600
  • Representative APR34.9% APR Variable
0% interest for 6 months on all purchases from George.com. 1% cashback in Asda and 0.2% cashback on all other purchases (given via ASDA vouchers)

Representative example: When you spend £600 at a rate of 34.9% (variable) per annum, your representative APR is 34.9% APR (variable)

About “Bad Credit” Credit Cards

When you apply for a credit card, the company will calculate a credit score for you. This is designed to reassure them that you are a responsible borrower and will be able to repay what you owe. Credit scores are calculated using data from several sources including credit rating agencies, your application and any past information they have on you. People who have a high credit score are seen as lower risk customers and are more likely to be given a credit card, often at a lower rate of interest. If you do not have a strong credit score, finding a credit card can be challenging. Here is our guide to the top credit cards for bad credit scores.

 

Benefits of “Bad Credit” Credit Cards

If you use these cards correctly – paying off the balance on time, every month – a “bad credit” credit card will help you rebuild your credit history and increase your credit score. Over time you should be able to increase your credit limit and negotiate lower interest rates. Eventually you should be able to switch to a mainstream credit card with even lower rates and introductory offers.

 

Downsides of “Bad Credit” Credit Cards

The main downside of bad credit credit cards is the high ARP/interest rates they carry. As a result they should never be used as a form of borrowing. Only spend as much as you can afford to payoff at the end of each month or you’ll find your debt spiralling out of control as the interest charges mount up. Failure to manage a “bad credit” credit card properly will result in an even lower credit score from which you may never be able to recover.

 


Credit Card Jargon Buster

 

Disclaimer: TheMoneyDaily’s service is not intended to be, nor should it be construed as financial advice. We help our readers make informed decisions and can introduce you to comparison services and provide impartial information and guides. Where appropriate, we may introduce FCA authorised partners who can provide services relating to financial products.