Credit Building Credit Cards

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Company

Representative APR​

Benefits

Star Rating

 

 
  • Barclaycard 18Mth Platinum Visa

    Barclaycard 18Mth Platinum Visa

    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.

    Defaqto star rating
    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.

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    Defaqto star rating

    Defaqto Star Rating

    Fantastic…

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

    Watch out…

    • No Barclaycard balance transfers

    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
    • Minimum customer income of £20,000
    • Rates dependent on customers credit rating
  • Capital One Classic Preferred Platinum MasterCard

    Capital One Classic Preferred Platinum MasterCard

    Representative APR

    28.9% APR
    (Variable)

    Benefits

    Limited offer until May 14th.

    Defaqto star rating
    Representative Example

    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.

    Close more details

    Defaqto star rating

    Defaqto Star Rating

    Fantastic…

    • Credit limit from £200 to £1,500
    • Easy, fast application with a response in 60 seconds
    • Free email and SMS text service to enable you to manage accounts successfully

    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 customer income of £10,000
    • Rates dependent on customers credit rating
  • aqua Classic 29.7% MasterCard

    aqua Classic 29.7% MasterCard

    Representative APR

    29.7% APR
    (Variable)

    Benefits

    FREE unlimited access to aqua Credit Checker – worth up to £80 per year.

    Defaqto star rating
    Representative Example

    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.

    Close more details

    Defaqto star rating

    Defaqto Star Rating

    Fantastic…

    • Credit limit of £100 - £1,600 and a possible increase after four months
    • 51 days interest free credit every month
    • No annual fee

    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 dependent on customers credit rating
  • Vanquis Bank Aquis Visa

    Vanquis Bank Aquis Visa

    Representative APR

    29.8% APR
    (Variable)

    Benefits

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

    Defaqto star rating
    Representative Example

    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.

    Close more details

    Defaqto star rating

    Defaqto Star Rating

    Fantastic…

    • 24-7 control of your account with online and SMS functionality
    • Easy to manage credit limit up to £3K with regular reviews

    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 customer income of £4,000
    • Rates dependent on customers credit rating
  • aqua Advance MasterCard

    aqua Advance MasterCard

    Representative APR

    34.9% APR
    (Variable)

    Benefits

    FREE unlimited access to aqua Credit Checker – worth up to £80 per year.

    Defaqto star rating
    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.

    Close more details

    Defaqto star rating

    Defaqto Star Rating

    Fantastic…

    • Repay on time and your rate could reduce to 19.9% APR
    • Credit limit of £100 - £1,600 with a possible increase after four months
    • No foreign exchange fees

    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 dependent on customers credit rating
  • Barclaycard Initial Visa

    Barclaycard Initial Visa

    Representative APR

    34.9% APR
    (Variable)

    Benefits

    0% on purchases for 5 months.

    Defaqto star rating
    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.

    Close more details

    Defaqto star rating

    Defaqto Star Rating

    Fantastic…

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

    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 customer income of £3,000
  • Capital One Classic

    Capital One Classic

    Representative APR

    34.9% APR
    (Variable)

    Benefits

    Credit limit from £200 to £1,500.

    Defaqto star rating
    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.

    Close more details

    Defaqto star rating

    Defaqto Star Rating

    Fantastic…

    • Good to build or rebuild your credit 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 customer income of £10,000
    • Rates dependent on customers credit rating
  • Capital One Classic Extra

    Capital One Classic Extra

    Representative APR

    34.9% APR
    (Variable)

    Benefits

    0.5% cashback on all your purchases.

    Defaqto star rating
    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.

    Close more details

    Defaqto star rating

    Defaqto Star Rating

    Rewards benefits:

    • 0.5% cashback on all your purchases

    Fantastic…

    • Get rewarded for building good credit
    • Earn a £10 annual bonus for paying on time each month
    • No annual fee

    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 customer income of £10,000
    • Rates dependent on customers credit rating
  • Vanquis Bank Visa

    Vanquis Bank Visa

    Representative APR

    39.9% APR
    (Variable)

    Benefits

    Start with an easy to manage limit.

    Defaqto star rating
    Representative Example

    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.

    Close more details

    Defaqto star rating

    Defaqto Star Rating

    Fantastic…

    • Good to build or rebuild your credit rating
    • Potentially increase your credit with time

    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 customer income of £4,000
    • Rates dependent on customers credit rating
  • 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. The Black Diamond Credit Card is issued by Vanquis Bank.

    Defaqto star rating
    Representative Example

    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.

    Close more details

    Defaqto star rating

    Defaqto Star Rating

    Fantastic…

    • No annual or monthly fees
    • SMS and online account management
    • 24/7 Fraud Watch

    Watch out…

    • High APR

    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 customer income of £4,000
    • Rates dependent on customers credit rating
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