Compare Credit Building Credit Cards

Compare Credit Building Credit Cards

If you have suffered past credit problems that are now behind you, you may still be experiencing problems in secure approval for credit. A credit building credit card is a good place to start. By demonstrating that you can once again keep up repayments on a credit card, they will be more inclined to believe that your credit or debt problems are behind you. Be careful though, if you do miss a payment or don’t clear the balance in full when it is due, the interest rates are very high.

Search for the Best Card to help you to overcome poor credit history problems

Make comparisons of the best credit building credit cards that are designed to help people who have had past credit problems to rebuild their credit score.

ProviderAPR (variable) 0% Purchases0% Balance Transfers RewardsQuote
A Personalised Illustration of the best cards available will be provide upon enquiry and subject to status.
Aqua Classic Card (29.7%) 29.70%N/AN/ANone
Vanquis Credit Card 29.80%N/AN/ANone
Capital One Classic Card 34.90%N/AN/ANone
Barclaycard Initial Credit Card 34.90%3 MonthsN/ANone
Capital One Classic Extra Card 34.90%N/AN/ACashback
Aqua Advance Card 34.90%N/AN/ANone
Vanquis Bank Ltd Visa Card 39.90%N/AN/ANone
Argos Credit Card 39.90%N/AN/ANone
Aqua Classic Card (39.9%) 39.90%N/AN/ANone
Black Diamond Credit Card 59.90%N/AN/ANone

Searching for credit building credit cards, bad credit credit cards or poor credit credit cards can feel like a bit of a daunting task. Rebuilding your credit after a time of hardship is an uphill struggle for many people, and while a credit card can be a large part of that it’s sometimes tricky to know which is the right one to go with in the first place. Money Matchmaker knows that, and we want to help you find the card that will help you get back onto the beaten track.

How Can Poor Credit Credit Cards Help?

People are sometimes dubious about this as an idea. After all, isn’t using credit cards a large part of how you got here in the first place?

You’ll find that taking out credit building credit cards, using them for the occasional purchase and paying off the outstanding balance in full on time every month without fail is one of the very best things you can do for your credit rating. It shows that you’re in a position where you’re able to make repayments, and that you can be trusted to manage them on time consistently and reliably. It also means that your credit rating is constantly being updated, rather than lying dormant as it does when you’re not borrowing for a period of time.

That said, not everywhere is happy to issue bad credit credit cards – so we’ve put together a quick list of some of the best of them.

Which Credit Building Credit Cards Should You Look Into?

Top of the list is the aqua Classic with a 29.7% APR and a potential credit limit of anywhere from £100 to £1600. You might be particularly interested to learn that they will also give you free unlimited access to your credit report as part of the deal.
The next of the best poor credit credit cards has to be the Capital One Classic Platinum, long the leader of this sector. They won’t approve you if you’ve never had credit in the UK or if you’ve been declared bankrupt in the last twelve months, but otherwise they’ll offer you a credit limit of £200-£1500 with two potential increases a year and a guaranteed 29.8% APR.
Assuming that you don’t hold a Vanquis, Granite or Black Diamond card, the Aquis Visa Card is a simple and no-nonsense way to rebuild your rating with similar features.
For people who have only once received a CCJ and have an income of at least £3k/pa, the Barclaycard Initial is an amazing deal – the APR is 34.9% but your interest rate falls over time if you pay everything off and they’re currently offering 0% on purchases for the first five months.
Finally, the Capital One Balance card is one of the bad credit credit cards that offers instant response times for its remarkably manageable credit limit. The numbers are similar to the Barclaycard above.

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