Compare credit builder credit cards

Build up your credit rating with one of our selection of credit cards for people looking to improve their credit rating or take out their first card. Compare cards with the best deals on purchases, the lowest standard rates and the best cashback or rewards offers.

Featured credit builder credit cards - Sorted by APR

Apply for the cards below today or search all credit builder cards

  1. Great for
    Rebuilding credit ratings
    0% of balance transfers for 18 months (2.9% fee)
    0% on purchases for 3 months
    But be aware that
    You cannot transfer a balance from another Barclaycard
    The APR is dependent on your personal circumstances

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 24.9% (variable) your representative APR will be 24.9% (variable).

  2. Limited offer

    Apply now - this offer ends 14th May 2014

    Great for
    Special low rate for people trying to improve their credit score
    Credit limit from £200 to £1,500
    Easy, fast application with a response in 60 seconds
    But be aware that
    You must have had credit in the UK before
    You must not have been declared Bankrupt in the last 12 months

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 28.94% (variable) your representative APR will be 28.9% (variable).

    • Provider/Product name Classic

      aqua

      Classic

    • Representative APR (variable) 29.7%APR
    • Minimum credit limit £100minimum
    • Maximum credit limit Up to£1600 Subject to status
    • Cash Advance rate 39.94%with 3% fee
    • Your chance of approval

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    Great for
    A credit limit of £100 - £1,600, that could increase after four months
    Helps to build your credit rating and offers FREE unlimited access to your credit report worth up to £80 per year
    Getting a response within 60 seconds
    But be aware that
    Interest rates range from 29.7% - 49.9%

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 29.71% (variable) your representative APR will be 29.7% (variable).

    • Provider/Product name Visa Card

      Aquis

      Visa Card

    • Representative APR (variable) 29.8%APR
    • Minimum credit limit £250minimum
    • Maximum credit limit Up to£3000 Subject to status
    • Cash Advance rate 39.94%with 3% fee
    • Your chance of approval

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    Great for
    Rebuilding credit ratings
    But be aware that
    You cannot apply if you currently hold a Vanquis, Granite or Black Diamond card
    Interest rates range from 29.8% - 59.9%

    Representative Example:

    If you spend £1,000 at an annual interest rate of 29.8% (variable) your representative APR will be 29.8% (variable).

    • Provider/Product name Initial

      Barclaycard

      Initial

    • Representative APR (variable) 34.9%APR
    • Minimum credit limit £150minimum
    • Maximum credit limit Up to£1200 Subject to status
    • Cash Advance rate 34.9%with 2.99% fee
    • Your chance of approval

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    Great for
    Being able to reduce your interest rate by always paying on time and staying within your credit limit
    Offering 0% on purchases for 3 months
    But be aware that
    You must not have received more than 1 CCJ
    You need an annual income of more than £3,000 to apply

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 34.9% (variable) your representative APR will be 34.9% (variable).

  3. Great for
    0% interest on balance transfers until November 2014, with a balance transfer fee of just 3%
    A manageable credit limit of £200 to £1,500
    A quick response in 60 seconds
    But be aware that
    You must have had credit in the UK before
    You must not have been declared Bankrupt in the last 12 months

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 34.94% (variable) your representative APR will be 34.9% (variable).

    • Provider/Product name Reward

      aqua

      Reward

    • Representative APR (variable) 34.9%APR
    • Minimum credit limit £100minimum
    • Maximum credit limit Up to£1600 Subject to status
    • Cash Advance rate 39.94%with 3% fee
    • Your chance of approval

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    Great for
    0.5% cashback on all purchases
    No foreign currency exchange fees
    FREE unlimited access to aqua Credit Checker – worth up to £80 per year
    But be aware that
    You must not have received a CCJ in the past 12 months

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 34.91% (variable) your representative APR will be 34.9% (variable).

    • Provider/Product name Classic

      Capital One

      Classic

    • Representative APR (variable) 34.9%APR
    • Minimum credit limit £200minimum
    • Maximum credit limit Up to£1500 Subject to status
    • Cash Advance rate 34.94%with 3% fee
    • Your chance of approval

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    Great for
    A card that could accept customers who’ve been declined elsewhere already
    A response in 60 seconds
    A large provider which has accepted 4 million people in the UK
    But be aware that
    You won’t be accepted if you’ve had a CCJ or been declared bankrupt in the past 12 months
    You need some history of managing credit to be accepted

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 34.94% (variable) your representative APR will be 34.9% (variable).

  4. Great for
    A £10 annual bonus if you pay on time every month plus earn cashback on your spends as you build your credit rating
    Paying no fees on purchases in foreign currencies
    The advertised rate is the rate you will get if accepted
    But be aware that
    You must not have received a CCJ in the past 12 months

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 34.94% (variable) your representative APR will be 34.9% (variable).

    • Provider/Product name Advance

      aqua

      Advance

    • Representative APR (variable) 34.9%APR
    • Minimum credit limit £100minimum
    • Maximum credit limit Up to£1600 Subject to status
    • Cash Advance rate 39.94%with 3% fee
    • Your chance of approval

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    Exclusive

    Exclusive £20 Amazon Gift Certificate for Moneysupermarket customers (T&Cs apply)

    Great for
    Helps to build your credit rating and offers FREE unlimited access to your credit report worth up to £80 per year
    Being able to reduce your interest rate to 19.9% APR (variable) by keeping to your credit limit and repaying on time
    But be aware that
    You must not have received a CCJ in the past 12 months

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 34.91% (variable) your representative APR will be 34.9% (variable).

    • Provider/Product name Visa

      Black Diamond

      Visa

    • Representative APR (variable) 59.9%APR
    • Minimum credit limit £150minimum
    • Maximum credit limit Up to£1000 Subject to status
    • Cash Advance rate 69.94%with 3% fee
    • Your chance of approval

      Will you get this card?

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    Great for
    Initial credit limit up to £1,000
    Building your credit limit over time
    But be aware that
    You cannot apply if you currently hold an Aquis, Vanquis or Granite card
    Interest rates range from 39.9% - 69.9%

    Representative Example:

    If you spend £1,000 at a purchase interest rate of 59.94% (variable) your representative APR will be 59.9% (variable).

Credit builder credit card

If you have had problems with debt in the past, it is likely that your credit score will have been damaged. A low credit rating affects your ability to borrow and obtain competitive deals on credit cards, with lenders being wary of anyone with a less than perfect history.

However, there are other things that can affect your credit score too, such as having little or no history of borrowing. It might seem strange that you could never have had a problem with debt and still have difficulties getting credit, but if you’ve never borrowed providers have no indication of whether or not you are a responsible borrower and so steer clear of lending to you or giving you a credit facility.

Whatever your reason is for a having bad credit, it doesn’t need to be permanent. It is possible to repair your score, and one of the ways to do this is by getting a credit builder credit card.

What are credit builder credit cards and what advantages do they offer?

A credit builder credit card is a type of card available to those not likely to be accepted for more mainstream deals.

They are beneficial as they give you access to credit but, providing you make repayments on time every month, you can, over time, prove you can manage money responsibly.

The downside to these cards is that they have very high rates of interest which reflects the risk that providers are taking. However, as long as you ensure you clear your balance every month, you won’t have to pay a penny in interest.

The other downside is that they are also likely to have relatively low credit limits. But once you have re-built your score you should be able to qualify for better deals.

If you do have a low credit score, don’t be tempted to try to apply for one of the more competitive deals. Every time you get rejected, it further damages your score, meaning it will take even longer to get back on your financial feet.

If you are not sure what cards you are likely to qualify for, using MoneySupermarket’s Smart Search tool will give you an idea of the cards you may be accepted for. Alternatively, you might wish to apply for your credit report which will allow you to see in detail what your score is and monitor it on a regular basis.

But credit cards are not the only option for those looking to restore their credit score. Some prepaid cards, which require you to load up cash on them before you spend, also offer a bolt-on Creditbuilder facility. This is where the card provider effectively ‘lends’ you a year’s worth of monthly card fees upfront. The loan itself is interest-free but you will be expected to pay it back over the course of 12 months. Details of how reliable you are with your payments will be passed to credit reference agencies and, if it’s positive, could help boost your credit score. This means you can help yourself without risking getting into debt or paying any expensive interest.

Comparing credit builder cards

Using MoneySupermarket will allow you to compare credit builder cards and find the best deal for you.

Different cards will come with different rates of interest and some will even come with added benefits, such as the ability to earn rewards. MoneySupermarket’s credit builder card channel will allow you to browse and weigh up which one could be the best deal for you.

It’s imperative, though, that once you have chosen a card and been accepted, you use it to your advantage. Defaulting on payments will result in you paying hefty rates of interest and getting caught in a debt cycle again – not to mention further damaging your score.

The bottom line is that, if you want to be eligible for competitive deals in the future, having a good credit score is imperative.

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 to 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’ve probably better off choosing a different card.

Consider a different card
Not eligible
1/10
2/10
3/10
4/10
5/10
Your chances are good
6/10
7/10
8/10
9/10
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.

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, independent and compare all UK credit cards as well as offering exclusive deals you can't get anywhere else.

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