Credit cards for bad credit

Compare bad credit credit cards

  • Compare over 20 providers

  • Doesn't harm your credit score

  • Free and easy to use

Find a card

A credit card for bad credit is designed to help people who have misused credit in the past to repair their score through sensible borrowing and repaying.


Similarly to normal credit cards, you spend money up to an agreed amount, and pay back what you borrow. If you don’t make your planned repayments, you’ll start paying interest on what you owe.

However these particular credit cards are distinguishable by two factors:

  • They have lower credit limits
  • They have higher interest rates (APRs) 

A bad credit score tells lenders you’ve had financial troubles in the past – so they won’t immediately let you borrow high amounts of money, and they’ll charge more interest as an incentive for you to make your repayments.

Keep up with your payments and you’ll slowly build up your credit report and improve your score – making you eligible for cards with higher limits and lower interest rates in the future.

Our clever Eligibility Checker shows you the credit cards you're most likely to be accepted for, so you can protect your credit rating by only applying for the cards that are right for you.

Accurate results

We use a range of factors to rate how
likely you are to be approved for each
card out of 10.

Apply with confidence

We'll show you your eligibility
before you apply, so you can be
confident you won’t be turned down

See your guaranteed cards

You’ll see which cards you’re
guaranteed to get so you won’t have
any nasty surprises down the line.


Whether you have ‘bad credit’ or ‘no credit’ you can take steps to improve your credit rating:

Register for the electoral roll

Register for the electoral roll

as lenders use this as proof of your address

Limit the number of credit applications you make

Check your credit report for any mistakes

as these may be affecting your score

Repay your bills on time and in full

Repay your bills on time and in full

to demonstrate you can borrow and pay back money responsibly

Limit the number of credit applications you make

Limit the number of credit applications you make

as each will leave a mark on your report

Don’t use more than 50% of your credit limit

Don’t use more than 50% of your credit limit

or it will indicate to lenders that you’re finances are unstable

Close your unused credit accounts

Close your unused credit accounts

as having numerous open lines of credit also implies instability. Closing your accounts could negatively impact your credit score initially, but this is only temporary

What is considered bad or poor credit?

There isn’t a single answer to this question, as different lenders have different criteria for their product, and calculate your overall score in different ways. However the more negative marks on your credit history – such as bankruptcies, county court judgements or missed repayments – the less likely you’ll be accepted if you apply for credit.

Will a credit card for bad credit help me if I have a lot of debt?

It will depend on how you use the card – if you make your payments on time you’ll avoid paying any interest, which means you can focus on other existing debts. However if you don’t use the card responsibly then you’ll end up paying a much higher interest rate – which won’t help at all.

How should I manage my credit card?

Here are some tips for using your card responsibly that will help you avoid paying more than you have to in interest, so you can improve your credit score:

  • Set up a direct debit so you never forget to make a repayment
  • Don’t use too much of your credit limit – be aware of how much you can afford to pay back
  • Avoiding taking out further lines of credit

What other types of credit cards could I use?

If you have a limited credit history, rather than ‘bad credit’, you’ll benefit from a credit-builder credit card – these work in much the same way as credit cards for bad credit.

When you’ve improved your credit score, you’ll likely qualify for a bigger range of cards, including:

  • 0% interest credit cards, which offer a set period of usually 12 months – during which you won’t be charged on interest. You can use these cards to make purchases or transfer existing debts from credit accounts that currently charge interest.
  • Reward credit cards, which actively reward you for spending on them – and offer rewards such as cashback or store loyalty points like Clubcard or Nectar points

Credit card comparison

If you’re applying for a credit card, you might be able to find a better deal if you look through offers from different providers before taking one out. With MoneySuperMarket you’ll be able to search through multiple credit cards and compare them by a range of factors, including their interest rates and any benefits and rewards they come with.

All you need to do is answer a few questions about yourself and your financial situation, and our Eligibility Checker will show your chances of being accepted for different credit cards. This won’t affect your credit score, so you can run a check without any worries.

Once you know which card you want, you can normally apply by phone, online, or in person if the provider has a high street branch. However, when you do apply, the provider will usually run a hard credit check – which will show up on your credit report – to confirm whether they’ll give you the card. If you’re accepted they’ll tell you your credit limit and interest rate, and soon you’ll be ready to start using your credit card.

How we work

MoneySuperMarket gives you lots of clever ways to save a lot, by doing very little.

  • Take control of your credit score by checking and improving it for free with Credit Monitor
  • Never overpay again with Energy Monitor, our energy monitoring service
  • Over 50 ways to Get Money Calm

So how do we make our money? In a nutshell, when you use us to buy a product, we get a reward from the company you’re buying from.

But you might have other questions. Do we provide access to all the companies operating in a given market? Do we have commercial relationships or ownership ties that might make us feature one company above another?

We commit to providing you with clear and informative answers on all points such as this, so we have gathered the relevant information on this page.