Skip to content
Did you know your browser is out of date?
To get the best experience when using our website we recommend that you upgrade to the latest version of one of these browsers.

Credit cards for poor credit

Easy to get credit cards with poor credit

Finding a credit card if you’ve got a poor credit rating can be extremely difficult because many of the best deals are only available to those with an excellent credit score.

Sofa near a colourful rug

Ready to compare?

To make it even harder, it can be difficult to predict if you’ll get accepted by a provider as banks have different criteria on who they will lend to.

Why did I get rejected?

Credit card providers will check your credit score to see how good you are at managing your credit and debts. They may reject you on the basis of this, if they don’t think you’ll be reliable at paying back what you owe.

Applying for too many cards in a short period of time could have a negative effect on your score, as lenders think you’re desperate for credit. You should leave it a month or longer before applying for more credit after a rejection.

Applying for too many cards in a short period of time could have a negative effect on your score, as lenders think you’re desperate for credit.

It’s always worth checking your credit score before you apply for a credit card. The major credit referencing agencies (Equifax, Experian and Call Credit) will be able to provide you with your credit report which will detail your financial history.

It’s important to check for any errors and get them corrected as this will affect your overall score.

There are cards that will accept you, even if you’ve got a poor score

There are some credit cards you can get even if you do have a bad credit score. 

However, these cards usually have hefty interest rates of between 30-60% APR, lower credit limits and additional fees – so, do your research before applying.

As long as you’re disciplined and pay off the balance in full each month, they are a great way to help improve your score, and this will help you to get a card with a better rate in the future. 

For a full list of cards aimed at those who have low credit scores visit our credit card channel

How to check if your application is likely to be accepted

Before you even think about applying for a card, check the qualifying criteria. For example, if it requires an average annual income of £25,000 and you don’t earn this much, you won’t be accepted.

MoneySuperMarket’s Eligibility Checker estimates the likelihood of being accepted for a credit card or loan WITHOUT leaving a mark on your report.

All you need to do is enter your details and it will return a list of deals, with an indication of how likely you are to be accepted.

Just click on the ‘Find a card?’ button on our credit card page and, once you’ve completed the swift and straightforward Eligibility Checker journey, you’ll get a score out of 10 for each card. The closest to 10 are most likely to accept your application. 


MoneySuperMarket is a credit broker not a lender. You must be 18 or over and a UK resident.

Where to next?

Advantages and disadvantages of credit cards

What is a good credit score?

Will I be accepted for a credit card?

Ready to compare?