Compare credit building credit cards

A credit builder card can help you improve your credit record if you make your repayments on time.

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Barclaycard Forward Credit Card
Minimum credit limit
£50
Maximum credit limit
£1,200
Representative APR (variable)
33.9% APR
Sign up for a Barclaycard and get up to five months free of Apple Music, Apple TV+, Apple News+ and Apple Arcade. Continues as paid subscription after trial ends. UK only, T&Cs apply.
The rate shown here is the rate you will receive if accepted for the card. Not available to applicants who already have a Barclaycard credit card.
Representative Example: The standard interest rate on purchases is 33.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 33.9% (variable).
Eligibility
CCJs Allowedonly one allowed
Credit Ratingpoor
History of Bankruptcyfalse
Minimum Age18 years
Minimum Income£3,000
UK Resident

We are classed as a credit broker for consumer credit, not a lender.

Our services are provided at no cost to you. We may receive a commission from the companies we refer you to, but this does not affect what you will pay for the product you choose.

Last updated: 15 July, 2021

What is a credit builder card?

If you’ve got poor credit or no credit, it can be difficult to get a credit card. But specially designed credit cards for bad credit, or no credit, are designed for people just like you.

There’s a whole market dedicated to credit cards for bad credit. Sometimes people call them ‘bad credit cards’ or ‘poor credit cards’. They are also more commonly known as credit building credit cards.

Who are credit builder credit cards meant for?

Credit building credit cards are for those trying to improve their credit score, They can also be useful for those who are unable to qualify for the best deals in the market.

Some reasons for that could be:

  • You've declared bankruptcy in the past

  • You've had a county court judgement (CCJ) against your name

  • You have no history of borrowing or have never had a credit card

  • You have a record of missed payments

  • You're not registered on the electoral roll

Some credit cards for very bad credit even accept people who’ve been bankrupt or had a County Court Judgment against them.

Credit building credit cards can be a good way to rebuild your credit record if you have poor credit history. But you'll have to make your repayments on time and not miss any payments. They are also just as useful in building your credit score if you have no credit history and are applying for your first credit card.

How can you improve your credit record with credit building credit cards?

If you use a credit builder card carefully, you could improve your credit record. By making repayments on time and staying within your credit limit for several months - typically about six months - you'll soon start making a difference.

Paying back what you borrow on time looks good to banks and providers, even if you’ve had debt problems in the past. Credit builder cards are a good way of proving you can pay back what you borrow. Then you might get a better credit score next time your finances are looked into.

Having one of these credit cards to build credit should make it easier for you to get accepted for credit cards, mortgages and loans in future. You’ll also have more options open to you, so you’ll have a better chance of being able to get the best ones on the market.

Read more about how to improve your credit score

What are the features of a credit builder card?

Credit cards for people with bad credit usually have ...

  • higher interest rates than other types of credit cards

  • lower credit limits, usually from £100 up to £1,000

  • easier to to qualify for.

Try to see your credit builder card purely as a way to build your credit, rather than using it to make large purchases. It's a way to establish good borrowing practices and show lenders that you can be a responsible borrower. So if you use it for general expenses and pay off the balance in full every month, you won't pay any interest and the low credit limit won't matter.

How to get a credit card if you have bad credit.

How to use a credit builder card

With low credit credit cards, you’re more likely to rebuild your credit record if you can show that you’re a reliable borrower.

You can do this by:

  • Always paying back what you spend each month in full

  • Staying in your credit limit by keeping track of your spending through online banking

  • Avoiding cash withdrawals on your credit card.

Ideally, avoid accumulating a balance of more than 50% of your credit limit, because that impacts your credit utilisation ratio and can affect your credit score.

You’ll need to be patient as it can take a while for your credit score to increase.

How to manage your credit card.

Here’s how to use your credit card so you can avoid fees, and not increase your debt.

Even the best credit cards for bad credit have a higher APR than normal credit cards. You’ll have to pay interest if you don’t repay your bill in full every month. So choose a credit card to build credit which has as low an APR as possible to keep your costs down.

Pros and cons of a credit building credit cards

Pros:

  • Easy eligibility requirements for those with bad credit

  • Help you improve your credit score

  • Increase your chances of getting better deals in the future if you use them responsibly

Cons:

  • Interest rates are typically high

  • Credit limits are relatively low

  • Can damage your credit history if don't keep up with repayments.

How do I apply for a credit card to build credit?

The process to apply is simple. Follow these steps.

  • Check out credit building credit cards in our table.

  • Filter the results according to your needs.

  • Use the eligibility checker to check if you fit criteria.

  • Find out more – click ‘See deal’.

  • Apply for credit card with bad credit.

Don’t worry about using the eligibility checker. It’s a ‘soft check’ which means it won’t affect your credit rating.

Are there any tips when it comes to credit building credit cards?

When it comes to finding credit cards for really bad credit, there are a few simple tips you should remember:

  • Don’t apply for cards you’re not likely to get, and don’t make multiple applications

  • Use our eligibility checker before you apply

  • Compare credit cards for bad credit using our table

  • Check the APR and try to choose a lower one

  • Use credit builder cards carefully – pay them off in full and make repayments on time

  • Be patient – a good credit score can take time to build or rebuild.

Credit building FAQs

Yes, the above cards or those designed for bad credit may be able to accept you and help you rebuild your credit record.

Avoid applying for too many cards, which can damage your credit record. Instead focus on finding a card that will accept you.

Looking at it helps lenders decide whether to accept you as well as what APR and credit limit they offer you.

Looking at it helps lenders decide whether to accept you as well as what APR and credit limit they offer you.

No credit check credit cards don’t exist in the UK. Any lender will want to do a credit check to find out your history. But there are lots of cards available for people with poor or no credit history. You’re better off looking at credit building credit cards and trying to improve your credit score than trying to bypass a credit check.

Here is how to find a card more likely to accept you even if you have never used one before and what you need to know about using credit cards.

Paying the full amount by direct debit means you never miss a payment or pay interest. Here are all the ways to repay.

About our credit cards comparison

Our comparison tables include providers we have commercial arrangements with. The number of listings in our tables can vary depending on the terms of those arrangements, as well as other market developments. They are all from lenders regulated by the Financial Conduct Authority (FCA). Here is more information about how our website works.

We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.

You do not pay any extra and the deal you get is not affected.

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