No Credit History Credit Cards

People with no credit history or a limited credit history often struggle to get accepted for traditional credit cards. Compare cards designed for people with a limited credit file and apply online.

 APPLY ONLINE

Credit Needed
Bad
  • 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
  • Purchases
    Intro
    n/a
    Minimum
    Credit Limit
    £250
    Maximum
    Credit Limit
    £1,000
    Cash Advance
    Rate
    34.7%
    APR
    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)

 APPLY ONLINE

Credit Needed
Bad
  • Free Aqua credit checker - £250 - £1,200 Credit limit
  • Aqua accept people who have had CCJs or are on a low income
  • Aqua has said YES to over 750,000 customers in the UK
  • Text reminders, so you need never miss a payment
  • 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
  • Purchases
    Intro
    n/a
    Minimum
    Credit Limit
    £250
    Maximum
    Credit Limit
    £1,200
    Cash Advance
    Rate
    37.4%
    APR
    Representative APR (variable)
    27.4%
    APR

Representative Example: Representative 27.4% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 27.4% p.a. (variable)

 APPLY ONLINE

Credit Needed
Bad
  • 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)
  • Purchases
    Intro
    n/a
    Minimum
    Credit Limit
    £250
    Maximum
    Credit Limit
    £1,000
    Cash Advance
    Rate
    39.94%
    APR
    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)

  • 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
  • Purchases
    Intro
    n/a
    Minimum
    Credit Limit
    £0
    Maximum
    Credit Limit
    £0
    Cash Advance
    Rate
    44.9%
    APR
    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)

 APPLY ONLINE

Credit Needed
Bad
  • 0.5% cashback on all purchases (Up to a maximum of £100 per annum)
  • Free Aqua credit checker
  • No fees on your purchases abroad, making this the card for your holiday
  • Good if you are new to credit or rebuilding your credit score with previous County Court Judgements
  • Start with a credit limit of £250 - £1,200 and you could get an increase on your 4th statement
  • 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
  • Purchases
    Intro
    n/a
    Minimum
    Credit Limit
    £250
    Maximum
    Credit Limit
    £1,200
    Cash Advance
    Rate
    44.95%
    APR
    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)

 APPLY ONLINE

Credit Needed
Bad
  • 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
  • Purchases
    Intro
    n/a
    Minimum
    Credit Limit
    £250
    Maximum
    Credit Limit
    £1,200
    Cash Advance
    Rate
    44.95%
    APR
    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)

 APPLY ONLINE

Credit Needed
Bad
  • 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
  • Free fraud monitoring
  • Good for applicants who want to build or rebuild their credit rating
  • Must be a UK resident, aged 18 or over
  • Not available to applicants who already hold a Vanquis Bank issued credit card (Vanquis, Aquis, NEO, Black Diamond, Chrome)
  • Purchases
    Intro
    n/a
    Minimum
    Credit Limit
    £150
    Maximum
    Credit Limit
    £1,000
    Cash Advance
    Rate
    49.94%
    APR
    Representative APR (variable)
    39.9%
    APR

Representative Example: Representative 39.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 39.94% p.a. (variable)

  • Start with an easy to manage credit limit of between £150 and £1,000 and you could get a credit limit increase every 5 months up to £3,500
  • Pay bills straight from your NEO Credit Card
  • Good for applicants who want to build or rebuild their credit rating
  • Never miss another payment with SMS alerts and reminders
  • Take a payment holiday for 1 month per year, after 6 months of responsible account use
  • You must be a UK resident, aged 18 years or over, and must not be bankrupt
  • Not available to applicants who already hold a credit card provided by Vanquis Bank (Vanquis, Aquis, NEO, Black Diamond,Chrome)
  • Purchases
    Intro
    n/a
    Minimum
    Credit Limit
    £150
    Maximum
    Credit Limit
    £1,000
    Cash Advance
    Rate
    49.94%
    APR
    Representative APR (variable)
    39.9%
    APR

Representative Example: Representative 39.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 39.9% p.a. (variable)

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What are no credit history credit cards?

When people apply for credit cards the issuer undertakes a number of checks to determine whether or not they should accept the application. One of the checks they undertake is a review of the individual’s past credit experience. This information is held by credit reference agencies, and plays an important part in the issuer’s decision. Indeed, some issuers (even issuers of bad credit products) will not even consider an application unless the individual has some history of credit. This can leave people in somewhat of a ‘catch 22’ position, where they need credit, but can’t access it because they have had no prior credit.

Fortunately, there are some issuers who will consider applications from people who have no credit experience. This does not mean that they can issue ‘no credit check credit cards’, because they have a legal obligation to fully assess an applicant’s circumstances before approving them, but the checks that they do undertake focus more on the individual’s wider circumstances.

Every resident in the UK who is aged 18 or over will have a credit file with the credit reference agencies. Usually these files include credit history, but they also contain other information, such as the electoral roll record of the individual (which demonstrates a settled residential status), and other information such as financially linked people.

Using this information, together with employment and income data, issuers of no credit or limited credit history credit cards can reasonably assess an applicant’s prospective creditworthiness, and can lend on that basis.

Are credit cards the only way to build a credit score? Although the flexibility of credit cards makes them a popular choice for people with no credit history to build their credit score, they are by no means the only way this can be done. Numerous other products enable people to build credit. Obvious alternatives include personal (and guarantor) loans, overdrafts, and credit building prepaid cards, but other products which are not always considered credit-based also help establish a credit profile. Mobile phone contracts, monthly insurance payments and post-pay utility bills are all included within a credit file and contribute to credit history.

How are no credit history credit products different to credit building products?

In many respects products for people with no credit are similar to cards designed for credit building. In fact, many of the products and score cards (which issuers use to assess suitability) are the same. The real difference lies in the fact that many credit building products are intended for people who have some credit history, regardless of whether it is limited or somewhat chequered, whilst no credit history credit products can accept applicants with no history whatsoever.

Can credit history developed abroad be used in the UK?

Unfortunately there is no system for transferring or referencing a credit history developed abroad to help facilitate a UK credit application. This means that people who have moved to the UK are highly unlikely to be accepted for credit-based products immediately. Nevertheless, there are steps that can be taken (and should be taken as early as possible) to help access credit in the future.

The steps are broadly the same as the steps that any individual wanting to access credit in the UK should take, and include:

  • Registering on the electoral roll
  • Establishing a UK bank account
  • Paying bills (energy, phone) by direct debit
    Note: TV licence and property rent do not get recorded on credit files

It is also important not to make any credit applications until a credit file has been established, as these could impact future applications (some credit card issuers automatically reject multiple applications from the same individual within a set timeframe, regardless of the reason for the rejection). However, credit files can be checked with all of the UK’s three main reference agencies, and doing so (to ensure a file even exists) is to be recommended before seeking to obtain credit.

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