Fair Credit Cards

People with fair credit are often defined as individuals who have a history of poor credit management, but who have taken steps to start to rebuild their score. They might not be able to gain acceptance for the best credit cards, but they are equally not considered to have bad credit. The fair credit credit cards featured below are designed to help people to continue to build their credit score, with rates and attributes that are slightly more preferential than bad credit credit products.

  • The new low APR Credit Card - designed to help you improve your credit rating
  • Start with a manageable credit limit of £250 up to £1,000
  • You could build your Credit Limit up to £4,000 over time
  • Online servicing, a mobile app, SMS and email alerts
  • Must be a UK resident, aged 18 or over and not bankrupt
  • Not eligible to apply if you already hold or have applied for in the last 6 months any other credit card provided by Vanquis Bank
  • Balance Transfers
    Intro
    n/a
    Purchases
    Intro
    n/a
    Rewards
    No Rewards
    Annual Fee
    £0
    Representative APR (variable)
    24.7%
    APR

Representative Example: Representative 24.7% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 24.7% p.a. (variable)

  • FastCheck your eligibility for an instant response before you apply - without affecting your credit score
  • Choose your repayment date and receive text alerts when you are approaching your credit limit
  • Start with an easy-to-manage credit limit of £100-£1,200
  • Credit limit review after 3 months, so you could get an increase on your 4th statement
  • You must be a UK resident, aged 18 years or over, with no CCJs or bankruptcy in the past 12 months
  • Balance Transfers
    Intro
    n/a
    Purchases
    Intro
    n/a
    Rewards
    No Rewards
    Annual Fee
    £0
    Representative APR (variable)
    24.8%
    APR

Representative Example: Representative 24.8% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 24.84% p.a. (variable)

  • Great for people with some credit history looking to access 0% deals
  • Emergency help when you are travelling abroad
  • Suitable for rebuilding credit
  • Apple Pay enabled
  • Must be a UK resident, aged 18 years or over, with a regular income and an average credit rating
  • Balance Transfers
    Intro
    0%
    18 Months
    2.99% Fee
    Purchases
    Intro
    0%
    3 Months
    Rewards
    No Rewards
    Annual Fee
    £0
    Representative APR (variable)
    24.9%
    APR

Representative Example: Representative 24.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 24.9% p.a. (variable)

  • 0% for 18 months from account opening on balance transfers made within the first 90 days (3% balance transfer fee)
  • 0% for 9 months from account opening on purchases
  • Accepted wherever you see the MasterCard sign at over 33 million locations worldwide
  • Apple Pay enabled payments
  • APR dependent on circumstances
  • Must be a UK resident, aged 18 years or over, have a regular income, not be declared bankrupt, have any CCJs, and not be subject to an IVA
  • Minimum £100 balance transfer
  • Balance Transfers
    Intro
    0%
    18 Months
    3.00% Fee
    Purchases
    Intro
    0%
    9 Months
    Rewards
    No Rewards
    Annual Fee
    £0
    Representative APR (variable)
    27.9%
    APR

Representative Example: Representative 27.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 27.95% p.a. (variable)

  • 0% for 6 months on balance transfers (3% fee)
  • Build or rebuild your credit - Stay within your credit limit and make your repayments on time
  • Aqua accept applications from people who have had CCJs or are on a low income
  • Aqua has said YES to over 750,000 customers in the UK
  • You must be a UK resident, without CCJs in the past 12 months
  • Must not have taken out a Marbles card in the past 12 months
  • Balance Transfers
    Intro
    0%
    6 Months
    3.00% Fee
    Purchases
    Intro
    n/a
    Rewards
    Free Credit Report Access
    Annual Fee
    £0
    Representative APR (variable)
    34.9%
    APR

Representative Example: Representative 34.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 34.95% p.a. (variable)

  • You'll start with an easy to manage credit limit up to £1,000, but you could get a credit limit increase after your 5th statement up to £4,000
  • Good for applicants who want to build or rebuild their credit rating*
  • Use your Aquis Credit Card to withdraw cash and shop everywhere you see the Visa sign worldwide
  • Friendly UK Customer Service call centre
  • Online & SMS Account Management
  • You must be a UK resident, aged 18 years or over
  • Not available to applicants who already hold a credit card provided by Vanquis Bank (Vanquis, Aquis, NEO, Black Diamond, Chrome)
  • Balance Transfers
    Intro
    n/a
    Purchases
    Intro
    n/a
    Rewards
    No Rewards
    Annual Fee
    £0
    Representative APR (variable)
    29.8%
    APR

Representative Example: Representative 29.8% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 29.84% p.a. (variable)

  • Free Aqua Credit Checker
  • Opportunity to reduce your APR to 19.9% simply for making payments on time and keeping to your credit limit
  • No fees on your purchases abroad, making this the card for your holiday
  • Aqua accept applications from people who have had CCJs or are on a low income
  • Aqua has said YES to over 750,000 customers in the UK
  • You must be a UK resident, without CCJs in the past 12 months
  • Must not have taken out a Marbles card in the past 12 months
  • Balance Transfers
    Intro
    n/a
    Purchases
    Intro
    n/a
    Rewards
    Free Credit Report Access
    Annual Fee
    £0
    Representative APR (variable)
    34.9%
    APR

Representative Example: Representative 34.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 34.95% p.a. (variable)

  • Great for people with bad credit or who are looking to improve their current rating - even if they have had problems with credit in the past
  • Credit limit from £200 to £1,500
  • Online response in 60 seconds
  • Pay contactlessly up to £30
  • Must be a UK resident, aged 18 years or over
  • You must have had credit in the UK before
  • You must not have been declared Bankrupt in the last 12 months
  • Balance Transfers
    Intro
    n/a
    Purchases
    Intro
    n/a
    Rewards
    No Rewards
    Annual Fee
    £0
    Representative APR (variable)
    29.8%
    APR

Representative Example: Representative 29.8% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 29.84% p.a. (variable)

  • Designed for people with bad credit or building credit
  • More access to credit over time with up to two optional credit limit increases offered every year
  • The rate you see here is the rate you will get if accepted
  • Simple online servicing helps you stay in control
  • Pay for items Contactlessly
  • Must be a UK resident, aged 18 years or over
  • Must have had credit in the UK previously
  • To potentially be eligible for credit limit increases, use your card sensibly by making your monthly minimum payment on time and staying below your credit limit. Not doing so could harm your credit rating
  • Balance Transfers
    Intro
    n/a
    Purchases
    Intro
    n/a
    Rewards
    No Rewards
    Annual Fee
    £0
    Representative APR (variable)
    34.9%
    APR

Representative Example: Representative 34.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 34.94% p.a. (variable)

  • Features a QuickCheck service that tells you before you apply if you will be accepted. This does not harm your credit score
  • Credit Limits up to £1,500
  • One simple interest rate for all transactions
  • Free text alerts to help you stay in control
  • Contactless payment up to £30
  • Must be a UK resident on the electoral roll, and have some history of managing credit
  • Balance Transfers
    Intro
    n/a
    Purchases
    Intro
    n/a
    Rewards
    No Rewards
    Annual Fee
    £0
    Representative APR (variable)
    35.9%
    APR

Representative Example: Representative 35.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 35.94% p.a. (variable)

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What is fair credit?

Fair credit is a term used by the majority of UK credit reference agencies to define people who are in the middle of the credit spectrum. These people do not have good credit, but they do not have bad credit either.

From an issuer point of view these customers might make an attractive prospect for bad credit lenders, whilst issuers of credit to people with good/excellent credit might well reject them or offer a very limited credit line.

Which credit card is best for someone with fair credit?

Credit card products are in a continual state of renewal and change, so specific cards change from week to week. However, after a long period with few cards designed to target people with fair credit, a number of fair credit products now exist.

These products do not offer the table-topping rates that people with good or excellent credit can expect, but they are competitive products nonetheless, with many featuring balance transfer opportunities, cash back, and other attributes commonly associated with the best credit cards.

What is considered a fair credit score?

In some respects credit scores are of little use when considering which credit card to apply for, since credit card issuers do not use them to decide whether or not to accept an applicant. However, they can be a useful tool for people who have had applications rejected and are looking to track their progress back to creditworthiness.

Two of the UK’s three credit reference agencies (Equifax and Experian) use the term ‘fair’ as a category for creditworthiness, but each relates the term to a different numerical score.

Equifax use a range of 0 to 600 to rate people’s credit scores. Someone with a score of between 367 and 419 is considered to have fair credit.

Experian grades individual’s credit as a number from 0 to 999. People with fair credit are defined as those with a score from 721 to 880.

Callcredit does not use the term ‘fair’ to define peoples’ credit status, having a score from 1 to 5 instead.

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