Luma Credit Cards

Luma credit cards are issued by Capital One and are principally designed for those who either have a bad credit rating, or those new to credit who wish to build their credit rating. With all the tools to help the cardholder manage their finances successfully, these cards are perfect for those who wish to access cheaper credit in the future.

 APPLY ONLINE

Credit Needed
Bad
  • 0% interest on purchases for up to 3 months
  • Credit limit of up to £1,500 and no annual fee
  • Get a response in 60 seconds
  • Contactless payment up to £30
  • Online account management and mobile app
  • You must be a UK resident, aged 18 years or over
  • Purchases
    Intro
    0%
    3 Months
    Minimum
    Credit Limit
    £200
    Maximum
    Credit Limit
    £1,500
    Cash Advance
    Rate
    35.94%
    APR
    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)

 APPLY ONLINE

Credit Needed
Bad
  • Credit limit of up to £1,500
  • Get a response in 60 seconds
  • Luma could still accept you even if you have had CCjs in the past
  • Contactless payment enabled
  • You must be a UK resident, aged 18 years or over
  • Purchases
    Intro
    n/a
    Minimum
    Credit Limit
    £200
    Maximum
    Credit Limit
    £1,500
    Cash Advance
    Rate
    35.94%
    APR
    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 35.9% p.a. (variable)

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