Compare bad credit credit cards

Whatever type of credit card you're looking for our Smart Search can help:
  • We'll show you cards likely to say YES
  • Searching WON'T harm your credit score
  • Fast and easy to use

Find a card

How to get a credit card, when you have a bad credit score

1. Use an eligibility checker, such as Smart Search, to find out your chances of being approved.

2. Opt for a ‘bad credit credit card’ designed specifically for those with a bad credit rating.

3. Make regular payments to improve your credit score.

4. Clear your balance at the end of each month to avoid high interest rates.

Designed for those who don’t qualify for conventional or market-leading credit cards, bad credit credit cards carry higher interest rates to reflect the greater ‘risk’ to the lender and tend to have lower credit limits. They aim to help you improve your creditworthiness by allowing you to demonstrate you can manage your balance and monthly payments.

So if you are looking for a credit card but have a poor credit rating or have had an application rejected, it may be worthwhile applying for a bad credit credit card.

You can build up your credit rating with one of our selection of credit cards for people with poor or no credit history. Compare cards with the best deals on balance transfers and purchases, the lowest standard rates and the best cashback or rewards schemes.

Bad credit guide

Lenders are a lot more particular about who they’ll offer credit cards and loans to these days: if you have a less than perfect credit history then you’re unlikely to qualify for the best deals such as 0% balance transfer and purchase offers.

Not only that, but you may find it hard getting accepted for a standard credit card, one without any enticing 0% offers, but why is this the case?  Let’s take a look…

Each time you apply for a credit card, the lender will carry out a credit check to look at your credit history and assess whether or not they consider you a ‘credit risk’ – that is, a borrower who is likely to default on their debt by failing to keep up with repayments.

The problem is, it’s not just genuine ‘credit risks’ that have a low score; you could find that you struggle to get credit if you have never had credit before, are not on the electoral roll, are on a low income, are self-employed or in part-time employment.

However, even if you have a low credit score, you may still have access to credit via a bad credit credit card.

Credit cards for bad credit pros:

- Improves credit score if balance is payed off in full each month.

- Can lead to an increase in your credit limit, a reduction in your interest rate or you may be able to apply for a mainstream card with a lower interest rate or introductory offer.

- Offers the same consumer protection as other cards


Credit cards for bad credit cons:

- High level of interest - should not be used for long term debt. Spend as much as you will be able to pay off at the end of each month to avoid steep interest repayments.

- They rarely come with any introductory offers, such as interest-free periods or rewards.


Why compare bad credit credit cards with MoneySupermarket?

Although they all come with relatively high interest rates it is still worth comparing bad credit credit cards as the market is now becoming much more competitive.

For instance, although still uncommon, you can now get bad credit credit cards that offer interest-free periods or rewards on purchases.

It’s also worth comparing the interest rates on offer, even if you are planning on paying the balance off in full each month.

Representative annual percentage rates (APR) can range from around 30% to 60%, so getting a card with the lower APR could save you money should you not be able to pay the full balance.

And by using MoneySupermarket’s price comparison tool you can instantly compare a full range of bad credit credit cards and make an informed choice on the right card for you.

We're free and independent, as well as offering exclusive deals you can't get anywhere else.

Your personalised chance of approval

We've taken the details you gave, and used them to show you personalised scores to tell you the chance that your application for each card would be successful.

Why is this important?

Every time you apply for a credit card, a mark is left on your credit score. That means it's better get it right first time. Your scores help you understand which cards you have the strongest chance of getting.

It's easy!

The higher the score, the stronger chance you have of getting the card. If you see a very low score, you're probably better off choosing a different card.

Consider a different card
Not eligible
Your chances are good
You've been pre approved

If you see a high score, you can be fairly confident. The scores aren't a guarantee, as acceptance of your application is at the sole discretion of the card issuer, but they should help guide your choice.

If you see a pre-approved score it may be subject to you passing additional ID and fraud checks by the provider.

Not rated

In some cases, we will not be able to display a score for a product because we do not have enough information about the card issuer’s acceptance criteria or we have not been able to match your details at the credit bureau.

We work closely with our partners to improve our eligibility scores for all products that are of interest to you.

We're free and independent, as well as offering exclusive deals you can't get anywhere else.

Moneysupermarket is a credit broker – this means we’ll show you products offered by lenders. We never take a fee from customers for this broking service. Instead we are usually paid a fee by the lenders – though the size of that payment doesn’t affect how we show products to customers.


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