Having a poor credit history does not mean you are permanently locked out of the credit market. A range of specialist credit cards are designed specifically for people who have experienced financial difficulties, offering a manageable credit limit and the opportunity to demonstrate responsible borrowing behaviour.
The most important thing to understand about these cards is that they carry high interest rates. They are not designed to be used as a borrowing tool. They are designed to be used as a credit-building tool. Spend a small amount each month, pay the balance in full before the due date, and the card will cost you nothing while steadily improving your credit score.
Best Overall
#1 Aqua Classic Card
The UK's leading credit builder card
★★★★★
- ✓Representative APR 34.9% variable
- ✓Credit limit from £250 to £1,200
- ✓Free credit score tracker in app
- ✓Automatic credit limit reviews
- ✓Reports to all three credit agencies
Aqua is the most widely recommended credit builder card in the UK for good reason. The free credit score tracker, automatic limit reviews, and reporting to all three agencies make it the most comprehensive tool for rebuilding your credit profile.
Check Aqua Eligibility →
Best for High Limits
#2 Vanquis Bank Visa Card
Starting limits up to £1,000 for bad credit
★★★★★
- ✓Representative APR 39.9% variable
- ✓Starting limit up to £1,000
- ✓Monthly limit increase reviews
- ✓Repayment options app
- ✓Available to those with CCJs
Vanquis offers higher starting credit limits than most bad credit cards, which can be beneficial for keeping your credit utilisation ratio low. They also accept applicants with CCJs on their file, making them one of the most accessible options.
Check Vanquis Eligibility →
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