Credit Building Credit Cards

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Company

Representative APR​

Benefits

 

 
  • Barclaycard Platinum 18 Month Balance Transfer Card

    Barclaycard Platinum 18 Month Balance Transfer Card

    Representative APR

    24.9% APR
    (Variable)

    Benefits

    18 months at 0% on balance transfers (2.9% handling fee) and 3 months at 0% on purchases.

    Representative Example

    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.

    Fantastic…

    • No annual fee
    • Contactless payment for items up to £20

    Watch out…

    • No Barclaycard balance transfers

    Defaqto Star Rating​

    To apply for this card you will need to complete an online application form on the provider’s site.

    Don’t forget…

    • You must be at least 21 years of age
    • Rates and offers dependent on customers credit rating
    • Minimum household income of £17,500
  • Lloyds Bank Classic Card

    Lloyds Bank Classic Card

    Representative APR

    25.9% APR
    (Variable)

    Benefits

    0% interest on purchases in the first 3 months.

    Representative Example

    Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 25.95% (variable), representative 25.9% APR (variable). Credit available subject to status.

    Fantastic…

    • The advertised rate is the rate you will get if accepted
    • No Annual Fee

    Watch out…

    • You must be a UK resident with a regular income
    • You must have no history of bankrupty
    • No CCJs in the past 5 years

    Defaqto Star Rating​

    To apply for this card you will need to complete an online application form on the provider’s site.

    Don’t forget…

    • You must be at least 18 years of age
    • Rates and offers dependent on customers credit rating
  • aqua Classic 29.7% Credit Card

    aqua Classic 29.7% Credit Card

    Representative APR

    29.7% APR
    (Variable)

    Benefits

    Free aqua credit checker.

    Representative Example

    Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 29.73% (variable), representative 29.7% APR (variable). Credit available subject to status.

    Fantastic…

    • 51 days interest free credit every month
    • No annual fee
    • aqua has said YES to over 750,000 customers in the UK

    Watch out…

    • Failure to make payments on time or to stay within your credit limit means that you will pay additional charges and may make obtaining credit in the future more expensive and difficult.

    Defaqto Star Rating​

    To apply for this card you will need to complete an online application form on the provider’s site.

    Don’t forget…

    • You must be at least 18 years of age
    • Rates and offers dependent on customers credit rating
  • Aquis Visa Credit Card

    Aquis Visa Credit Card

    Representative APR

    29.8% APR
    (Variable)

    Benefits

    This card helps you build a good credit history to improve your credit rating.

    Representative Example

    Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 29.84% (variable), representative 29.8% APR (variable). Credit available subject to status.

    Fantastic…

    • 24-7 control of your account with online and SMS functionality
    • You could get Credit Limit increases every 5 months up to £3,500*^.

    Watch out…

    • You can only apply for this card if you do not currently hold another credit card issued by Vanquis Bank.

    Defaqto Star Rating​

    To apply for this card you will need to complete an online application form on the provider’s site.

    Don’t forget…

    • You must be at least 18 years of age
    • Rates and offers dependent on customers credit rating
    • Minimum household income of £4,000
  • Capital One Classic Platinum Credit Card

    Capital One Classic Platinum Credit Card

    Representative APR

    29.8% APR
    (Variable)

    Benefits

    Credit limit from £200 to £1,500.

    Representative Example

    Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 29.84% (variable), representative 29.8% APR (variable). Credit available subject to status.

    Fantastic…

    • Email alerts to help you stay in control

    Defaqto Star Rating​

    To apply for this card you will need to complete an online application form on the provider’s site.

    Don’t forget…

    • You must be at least 18 years of age
    • Rates and offers dependent on customers credit rating
  • aqua Advance Credit Card

    aqua Advance Credit Card

    Representative APR

    34.9% APR
    (Variable)

    Benefits

    Free aqua credit checker.

    Representative Example

    Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 34.91% (variable), representative 34.9% APR (variable). Credit available subject to status.

    Fantastic…

    • Repay on time and your rate could reduce to 19.9% APR
    • No foreign exchange fees
    • aqua has said YES to over 750,000 customers in the UK

    Watch out…

    • Failure to make payments on time or to stay within your credit limit means that you will pay additional charges and may make obtaining credit in the future more expensive and difficult.

    Defaqto Star Rating​

    To apply for this card you will need to complete an online application form on the provider’s site.

    Don’t forget…

    • You must be at least 18 years of age
    • Rates and offers dependent on customers credit rating
  • Barclaycard Initial Credit Card

    Barclaycard Initial Credit Card

    Representative APR

    34.9% APR
    (Variable)

    Benefits

    0% on purchases for 3 months.

    Representative Example

    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.

    Rewards benefits:

    • Help build your credit rating
    • Enjoy one single, simple rate for purchases and cash advances

    Fantastic…

    • Reduce your interest rate by always paying on time and staying within your credit limit
    • Free text reminders 5 days before your payment is due

    Watch out…

    • To keep your 0% rates, you'll need to make your minimum payments on time and stay within your credit limit. Otherwise the interest will go back to the purchase rate.

    Defaqto Star Rating​

    To apply for this card you will need to complete an online application form on the provider’s site.

    Don’t forget…

    • You must be at least 18 years of age
    • Minimum household income of £3,000
  • Ocean Finance Credit Card

    Ocean Finance Credit Card

    Representative APR

    34.9% APR
    (Variable)

    Benefits

    Credit limit up to £1,500.

    Representative Example

    Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 34.94% (variable), representative 34.9% APR (variable). Credit available subject to status.

    Fantastic…

    • Simple online account account management as well as on the go with our smartphone app
    • Keep on top of your spending with email alerts
    • Add up to three additional card holders to your account and keep track of your families spending, but remember, you're liable for all transactions on your account

    Watch out…

    • To apply for this card you must be able to show some history of being able to manage credit.
    • You must be on the electoral roll.

    Defaqto Star Rating​

    To apply for this card you will need to complete an online application form on the provider’s site.

    Don’t forget…

    • You must be at least 18 years of age
  • Capital One Classic Credit Card

    Capital One Classic Credit Card

    Representative APR

    34.94% APR
    (Variable)

    Benefits

    Credit limit from £200 to £1,500.

    Representative Example

    Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 34.94% (variable), Representative 34.94% APR (variable). Credit available subject to status.

    Fantastic…

    • For people with bad credit or who are looking to improve their current rating

    Watch out…

    • If you have applied for a Capital One credit card in the last six months your application may be declined.

    Defaqto Star Rating​

    To apply for this card you will need to complete an online application form on the provider’s site.

    Don’t forget…

    • You must be at least 18 years of age
    • Rates and offers dependent on customers credit rating
  • Vanquis Visa Credit Card

    Vanquis Visa Credit Card

    Representative APR

    39.9% APR
    (Variable)

    Benefits

    Start with an easy to manage limit.

    Representative Example

    Representative example: Assumed borrowing of £1,000 for 1 year, at a Purchase Rate of 39.94% (variable), representative 39.9% APR (variable). Credit available subject to status.

    Fantastic…

    • Good to build or rebuild your credit rating
    • You could get Credit Limit increases every 5 months up to £3,500*^.

    Watch out…

    • You can only apply for this card if you do not currently hold another credit card issued by Vanquis Bank.

    Defaqto Star Rating​

    To apply for this card you will need to complete an online application form on the provider’s site.

    Don’t forget…

    • You must be at least 18 years of age
    • Rates and offers dependent on customers credit rating
    • Minimum household income of £4,000
  • Black Diamond Credit Card

    Black Diamond Credit Card

    Representative APR

    59.9% APR
    (Variable)

    Benefits

    A great way to build your credit if you're new to credit or want to rebuild your credit. UK call centre for customer services.

    Representative Example

    Representative example: Assumed borrowing of £1,000 for 1 year, at a Purchase Rate of 59.94% (variable), representative 59.9% APR (variable). Credit available subject to status.

    Fantastic…

    • No annual or monthly fees
    • SMS and online account management
    • You could get Credit Limit increases every 5 months up to £3,500*^.

    Watch out…

    • High APR

    Defaqto Star Rating​

    To apply for this card you will need to complete an online application form on the provider’s site.

    Don’t forget…

    • You must be at least 18 years of age
    • Rates and offers dependent on customers credit rating
    • Minimum household income of £4,000
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