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For Bad Credit

Credit Cards for Bad Credit - Compare the top 5 bad credit cards to see the latest offers available. Choose from a range of cards specifically designed for people with a bad credit score and start rebuilding your rating today. Applying is easy, simply click the 'Apply' button beside your chosen card.

Credit Cards

Editors Choice - Capital One Classic Card

Help rebuild your credit rating with this card! Applicants accepted with recent CCJ's and Default payments...

Credit Cards for Bad Credit

Credit cards are traditionally used as a form of borrowing that can simplify everyday management by spreading the cost of purchases over a longer period of time. But these days, consumers can get a lot more from credit cards, with several groups of cards offering attractive features aimed at different areas of the credit card market.

For example, balance transfer credit cards can be used by anyone that has existing debt that wishes to lower the amount they pay in interest. Many balance transfer cards come with a 0% period which effectively allows the interest to be frozen for this period.

Several other benefits are available, including cash back and rewards and low rate cards, but one you may not know much about are credit cards for bad credit.

Now these cards don't offer much in the way of features such as high credit limits and low spending rates, but they are offered with very little acceptance criteria, so those that suffer from a poor credit history are likely to be accepted.

Bad credit cards not only offer credit to people with a bad credit rating, but also offer an invaluable service to help repair their credit score. If used properly, these cards will help to improve your chances for being accepted for future credit applications and being exposed to better deals on the market.

Bad credit credit cards have been carefully designed to suit people with a bad credit rating, which may be due to a number of reasons, including late mortgage payments, defaults or even CCJ's.

Top 5 Adverse Credit Cards

Card
Issuer
Credit Limit
CCJ's Accepted
Representative APR
Apply
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£200 - £1500
Yes
34.9%
Representative Example: If you spend £1,200 at a purchase interest rate of 34.94% (variable) your Representative APR will be 34.9% (variable).
up to £1000
No
29.8%
Representative Example: If you spend £1,000 at a purchase interest rate of 29.9% (variable) your Representative APR will be 29.9% (variable).
up to £1000
No
39.94%
Representative Example: If you spend £1,000 at a purchase interest rate of 39.94% (variable) your Representative APR will be 39.9% (variable).

Advice

Credit limits start low but will rise after first 4 on-time and in-full minimum payments. Subject to status each application is judged individually.

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Representative APR
Purchases: 34.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 34.94% (variable) your Representative APR will be 34.9% (variable).
Annual Rates
Balance Transfers: 34.9% p.a.
Balance Transfer Fee: 3% p.a.
Cash Advance: 34.9% p.a.
Annual Fee: N/A
Standard Features
Credit Limit: £200 - £1500
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You have some history of managing your credit even if you have had CCJs or defaults in the past
  • You're on the electoral roll
  • You have not been declared bankrupt in the last 12 months
  • You are a permanent resident/citizen of the UK
  • You have a bank or building society account
  • Any Income Considered

Advice

Credit limits start quite low around £1000 but will rise after credit has been handled responsibly. You acan apply to increases every 4 months, up to £3,000.

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Representative APR
Purchases: 29.8% p.a. (variable)
Representative Example: If you spend £1,000 at a purchase interest rate of 29.9% (variable) your Representative APR will be 29.9% (variable).
Annual Rates
Balance Transfers: N/A
Cash Advance: 29.8% p.a.
Annual Fee: N/A
Standard Features
Credit Limit: up to £1000
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You are possibly new to credit or have had a Poor Credit History
  • You ARE need to be permanent resident/citizen of the UK
  • You DO NOT need a bank or building society account
  • Any Income Considered

Advice

Credit limits start quite low around £1000 but will rise after credit has been handled responsibly. Subject to status each application is judged individually

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Representative APR
Purchases: 39.94% p.a. (variable)
Representative Example: If you spend £1,000 at a purchase interest rate of 39.94% (variable) your Representative APR will be 39.9% (variable).
Annual Rates
Balance Transfers: N/A
Cash Advance: 39.94% p.a.
Annual Fee: N/A
Standard Features
Credit Limit: up to £1000
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • You are at least 18 Years of Age
  • You are possibly new to credit or have had a Poor Credit History
  • You ARE need to be permanent resident/citizen of the UK
  • You DO NOT need a bank or building society account
  • Any Income Considered


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