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 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 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 £1,000 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
    • Easy to manage credit limit up to £3K with regular reviews

    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 dependent on customers credit rating
    • Minimum household income of £4,000
  • aqua Advance Credit Card

    aqua Advance Credit Card

    Representative APR

    34.9% APR
    (Variable)

    Benefits

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

    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
    • SMS text reminders 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 dependent on customers credit rating
  • Barclaycard Initial Credit Card

    Barclaycard Initial Credit Card

    Representative APR

    34.9% APR
    (Variable)

    Benefits

    0% on purchases for 6 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

    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

    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

    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

    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 dependent on customers credit rating
  • Capital One Classic Extra Credit Card

    Capital One Classic Extra Credit Card

    Representative APR

    34.94% APR
    (Variable)

    Benefits

    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.

    Rewards benefits:

    • 0.5% cashback on all your purchases

    Fantastic…

    • For people with bad credit or who are looking to improve their current rating – even if they have had problems with credit in the past.
    • Earn a £10 annual bonus for paying on time each month
    • No annual fee

    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 dependent on customers credit rating
  • aqua Classic 39.9% Credit Card

    aqua Classic 39.9% Credit Card

    Representative APR

    39.9% APR
    (Variable)

    Benefits

    An initial credit limit from £250 to £1,200 and a possible increase after 4 months.

    Representative Example

    Representative example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 39.94% (variable), representative 39.9% APR (variable). Credit available subject to status.

    Fantastic…

    • No annual fee
    • Online account management
    • Regular SMS text reminders about your payments and credit balance

    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 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
    • Potentially increase your credit with time

    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 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. The Black Diamond Credit Card is issued by Vanquis Bank.

    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.

    Rewards benefits:

    • Initial credit limit from £150 to £1,000
    • UK call centre for customer services

    Fantastic…

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

    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 dependent on customers credit rating
    • Minimum household income of £4,000
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