Best Credit
Building Credit Card

Best Credit Building Credit Card - Rebuild your credit history with a specialist credit improving credit card. These cards start with a high APR, but reduce over time if you handle your credit responsibly.

Credit Cards

Editors Choice - Barclaycard Platinum - 0% for 22 months

Not only do Barclaycard offer 0% on Balance Transfers for 22 months, they also offer 0% for first 3 months on any purchases made...

Best Credit Building Credit Card

If you are looking for the best credit building credit card, why spend hours trawling through website after website trying to find the one that's right for you?

It only takes a couple of minutes to find the best credit building credit card for you with Which4U. Simply scroll through our comprehensive and easy to read table and then compare for yourself the information on each card. Then, once you have decided which card will perform best for you, all you have left to do is click apply to be sent to the official website and to start the application process.

Please note. If you have suffered from a very poor credit history in the past including recent CCJ's then these cards are not suitable for you, we suggest you look at our Bad Credit Card section.
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Barclaycard Initial

Advice

This card will help you rebuild your credit rating by providing you with a small credit limit which will increase if handled responsibly.

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Representative APR
Purchases: 29.9% p.a. (variable)
Representative Example:
Annual Rates
Balance Transfers: 29.9% p.a.
Cash Advance: 29.9% p.a.
Standard Features
Credit Limit: £250 - £2000
Interest Free Days: Up to 56 days
On-Line Banking: Yes
Approval Criteria
  • Can help to build your credit rating
  • Suitable if your financial situation has been improving
  • Suitable even if you have missed payments or have had CCJs over 12 months ago
  • Manageable credit limits from £250 - £1000

Credit Card Benefits

  • Ideal for new to credit with no or limited credit history
  • Manageable credit limits starting from £250
  • Not recommended if previously missed 3 payments in a row

Credit Card Rewards

  • Barclaycard Freedom is a loyalty scheme like no other, allowing you to automatically earn Reward Money at participating retailers, which you can then redeem against your next transaction at a number of stores within the programme.