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For Bad Credit

Credit for bad credit - Compare the top 5 credit cards for people with a bad credit score to see the latest deals on offer. Choose from a range of cards and start rebuilding your credit rating today.

Credit Cards

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...

More Info >

Credit for bad credit

Traditionally, Credit cards offer an effective tool to help consumers manage the cost of purchases over a longer period of time. But nowadays there are several different types of credit cards that are designed to help people in different situations.

Bad credit cards are designed for people that have a bad credit history due to problems with credit in the past, or simply because they have no experience with credit.

These cards not only offer guaranteed credit for bad credit borrowers, but also provide a second chance for consumers to prove that they can be trusted with credit and improve their chances of being accepted for future credit applications.

Something that you should remember is that these cards come with high APR's together with lower credit limits, so they are not as attractive as other credit cards aimed at those with better credit ratings. But despite this, if used properly these cards can help to provide a valuable service to build up your credit score.

Top 5 Adverse Credit Cards

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

Capital One Classic

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

Vanquis Aquis Card

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

Vanquis Visa Card

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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