Compare low income credit cards

Choose a credit card for low income and increase your chances of getting approved even if you have a low salary.

Find the cards most likely to say yes

See which cards you are most likely to be accepted for without affecting your credit score.

49 results found, sorted by longest purchase period. How we order our comparisons.
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M&S Bank Shopping Plus Credit Card
Balance transfers
0% for 22 months with a 2.9% fee (£5 min.)
Purchases
0% for 22 months
Representative APR (variable)
21.9% APR
Transfer a balance within 90 days of opening an account to get the 0% deal; otherwise the rate will be 21.9% p.a. variable with a 2.9% fee.
Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident
Sainsbury's Bank Dual Offer Credit Card
Balance transfers
0% for 22 months with a 3% fee (£3 min.)
Purchases
0% for 22 months
Representative APR (variable)
20.9% APR
A 3% fee is applied to balance transfers at application (minimum £3). The charge will depend on your current offer thereafter.
Sainsbury's Bank may offer you a 0% interest period of 22 or 14 months instead depending on your individual circumstances.
Representative Example: The standard interest rate on purchases is 20.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 20.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£10,000
UK Resident
Barclaycard Platinum Balance Transfer & Purchase Credit Card
Balance transfers
0% for 20 months with a 2.9% fee
Purchases
0% for 21 months
Representative APR (variable)
21.9% 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.
Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 21.9% p.a. variable with no fee.
Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£3,000
UK Resident
Lloyds Bank 0% Purchase and Balance Transfer Card
Balance transfers
0% for 18 months with a 2.99% fee
Purchases
0% for 21 months
Representative APR (variable)
21.9% APR
Balance Transfers must be completed within the first 90 days to get the promotional offers.
The duration of the introductory offer may vary depending on your personal circumstances.
Representative Example: The standard interest rate on purchases is 21.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident
Virgin Money All Round Credit Card (19m) (21.9%)
Balance transfers
0% for 19 months with a 2.9% fee
Purchases
0% for 19 months
Representative APR (variable)
21.9% APR
Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'. Use Virgin Money’s Card Checker to see your chances of being accepted.
Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 21.9% p.a. variable with a 5% fee.
Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£7,000
UK Resident
Virgin Money All Round Credit Card (19m) (25.9%)
Balance transfers
0% for 19 months with a 2.9% fee
Purchases
0% for 19 months
Representative APR (variable)
25.9% APR
Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'. Use Virgin Money’s Card Checker to see your chances of being accepted.
Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 25.9% p.a. variable with a 5% fee.
Representative Example: The standard interest rate on purchases is 25.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 25.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£7,000
UK Resident
Virgin Money All Round Credit Card (19m) (23.9%)
Balance transfers
0% for 19 months with a 2.9% fee
Purchases
0% for 19 months
Representative APR (variable)
23.9% APR
Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'. Use Virgin Money’s Card Checker to see your chances of being accepted.
Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 23.9% p.a. variable with a 5% fee.
Representative Example: The standard interest rate on purchases is 23.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 23.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£7,000
UK Resident
TSB Platinum Purchase Card
Balance transfers
0% for 15 months with a 1.45% fee
Purchases
0% for 15 months
Representative APR (variable)
21.9% APR
Transfer a balance within 90 days of opening an account to get the 0% deal with 1.45% fee; otherwise the rate will be 21.95% p.a. variable with a 5% fee.
Credit limits, promotional periods and interest rates will vary based on your individual circumstances.
Representative Example: The standard interest rate on purchases is 21.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident
M&S Bank Reward Credit Card
Balance transfers
0% for 12 months with a 2.9% fee (£5 min.)
Purchases
0% for 12 months
Representative APR (variable)
19.9% APR
Get double M&S points on all M&S shopping for the first 12 months and a bonus points voucher for 500 M&S points worth £5. T&Cs apply.
Transfer a balance within 90 days of opening an account to get the 0% deal; otherwise the rate will be 19.9% p.a. variable with a 2.9% fee.
Representative Example: The standard interest rate on purchases is 19.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 19.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident
Virgin Money All Round Credit Card (12m) (29.9%)
Balance transfers
0% for 12 months with a 2.9% fee
Purchases
0% for 12 months
Representative APR (variable)
29.9% APR
Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'. Use Virgin Money’s Card Checker to see your chances of being accepted.
Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 29.9% p.a. variable with a 5% fee.
Representative Example: The standard interest rate on purchases is 29.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 29.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£7,000
UK Resident
Halifax Long 0% Balance Transfer Credit Card
Balance transfers
0% for 29 months with a 2.7% fee
Purchases
0% for 9 months
Representative APR (variable)
21.9% APR
Balance Transfers must be completed within the first 90 days to get the promotional offers.
The duration of the introductory offer may vary depending on your personal circumstances.
Representative Example: The standard interest rate on purchases is 21.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident
Virgin Money Travel Credit Card (21.9%)
Balance transfers
0% for 9 months with a 2% fee
Purchases
0% for 9 months
Representative APR (variable)
21.9% APR
Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'.
Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 21.9% p.a. variable with a 5% fee.
Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£7,000
UK Resident
Virgin Money Travel Credit Card (29.9%)
Balance transfers
0% for 9 months with a 2% fee
Purchases
0% for 9 months
Representative APR (variable)
29.9% APR
Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'.
Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 29.9% p.a. variable with a 5% fee.
Representative Example: The standard interest rate on purchases is 29.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 29.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£7,000
UK Resident
Virgin Money Travel Credit Card (23.9%)
Balance transfers
0% for 9 months with a 2% fee
Purchases
0% for 9 months
Representative APR (variable)
23.9% APR
Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'.
Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 23.9% p.a. variable with a 5% fee.
Representative Example: The standard interest rate on purchases is 23.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 23.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£7,000
UK Resident
Virgin Money Travel Credit Card (25.9%)
Balance transfers
0% for 9 months with a 2% fee
Purchases
0% for 9 months
Representative APR (variable)
25.9% APR
Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'.
Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 25.9% p.a. variable with a 5% fee.
Representative Example: The standard interest rate on purchases is 25.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 25.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£7,000
UK Resident
Barclaycard Platinum Balance Transfer (15 Mths)
Balance transfers
0% for 15 months with no fee
Purchases
0% for 6 months
Representative APR (variable)
21.9% 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.
Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 21.9% p.a. variable with no fee.
Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£3,000
UK Resident
Barclaycard Platinum Balance Transfer (24 Mths)
Balance transfers
0% for 24 months with a 0.9% fee
Purchases
0% for 6 months
Representative APR (variable)
21.9% 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.
Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 21.9% p.a. variable with no fee.
Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£3,000
UK Resident
Sainsbury's Bank No Balance Transfer Fee Credit Card (21 Mths)
Balance transfers
0% for 21 months with no fee
Purchases
0% for 3 months
Representative APR (variable)
20.9% APR
No balance transfer fee applies to transfers made within the first 3 months. For transfers made after this period, the fee may vary.
Balance Transfer fee of 0% or 1% applies to transfers made within your first three months, depending on your individual circumstances. The charge will depend on your current offer thereafter.
Sainsbury's Bank may offer you a 0% interest period on balance transfers of 17 or 13 months instead, depending on your individual circumstances.
Representative Example: The standard interest rate on purchases is 20.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 20.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£10,000
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: 28 July, 2021

Can you get a credit card for low income?

If you're on a low income it can be challenging to get approved for a credit card. Many cards specify a minimum income, and if you earn less than that each year, you will not be able to get the card.

For example, if a credit card is only available for people who earn more than £15,000 and you earn £13,000 a year before tax, you will most likely be turned down if you apply.

But that doesn't mean that you can't get a credit card if you're on a low income. Some credit cards such as student credit cards or credit building cards are designed for those who are on low salaries, so that they can get the credit they need.

Where can you find a credit card for low income?

Our table above shows low income credit cards in the UK that may accept you if your salary is £10,000 or less. It also shows for each card:

  • The APR

  • The interest free period on the first purchases you make

  • The length of the balance transfer deal if it offers one

Will you be accepted for a low income credit card?

Even if your income is enough to get a credit card, you may also need to be:

  • Employed or self employed

  • Living permanently in the UK

  • More than 18 years old

They will also look at your credit record when you apply to check your financial circumstances meet their requirements.

Here is what you can do to find a credit card that will accept you.

What if you have no income?

Some cards do not specify a minimum income in their terms and conditions, but they will still check if you will be able to afford repayments. Even if you do not have a regular wage, they could count the following as income:

  • Self employed income

  • Your pension

  • Savings interest

  • Rental income

Are there credit cards for people on benefits?

Yes. As mentioned above, many low income credits don't have specific income requirements. But most lenders do check to make sure you will be able to afford repayments as par of the application process.

So, even if you don't have a regular income, but you get benefit payments such as a Disability Living Allowance (DLA), Personal Independence Payment (PIP) or Universal Credit they'll be factored into your eligibility.

What are the pros and cons of credit cards for low income?

Pros

  • Less restrictive eligibility requirements

  • Are useful if you need credit urgently

  • Some can help you improve your credit history

Cons

  • Typically have higher interest rates

  • Typically offer lower credit limits

  • Can be costly if you don't keep up with repayments

Other types of credit card

There are also specific cards designed for you if you are a student or if you have bad credit. These guides explain how to get a credit card if:

Use credit cards carefully

If you need to borrow money urgently, even a low income credit card could make your financial situation worse unless you use it very carefully.

You will need to avoid:

Read more about how to manage your credit card

Dealing with financial difficulties

If you are considering a credit card to pay your mortgage or another urgent bill, here are some less risky ways to pay it.

Low income credit card FAQs

Low income credit cards, UK wide, come with the same charges as other credit cards but sometimes have higher APRs, which determine how much interest you pay.

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.

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

No, they are held and paid off by one person, but adding a supplementary card holder gives them a card in their name that is linked to your account.

Too many credit cards can hurt your credit record, but having cards for different uses can suit some people. Work out how many is too many here.

Yes, many credit cards could accept you as long as your retirement income and credit record meets their minimum requirements.

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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