Compare Poor Credit Credit Cards

Compare Poor Credit Credit Cards

Product Name Representative APR (variable) Balance Transfers Intro Purchases
Intro
Rewards
 
  • Aqua Classic

  • 29.7%
    APR

  • n/a

  • n/a

  • Free Credit Report Access

Representative Example: 29.7% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 29.73% p.a. (variable)

more-info-button
  • Capital One Classic Platinum Mastercard

  • 29.8%
    APR

  • n/a

  • n/a

  • No Rewards

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

more-info-button
  • Capital One Back to School Purchase

  • 34.9%
    APR

  • n/a

  • 0%
    until Dec '14

  • n/a

Representative Example: 34.9% APR representative (variable) based on a credit limit of £1200, and a purchase rate of 34.94%.

more-info-button
  • Barclaycard Initial

  • 34.9%
    APR

  • n/a

  • 0%
    3 mths

  • Barclaycard Unwind

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

more-info-button
  • Capital One Classic Extra

  • 34.9%
    APR

  • n/a

  • n/a

  • Cashback

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

more-info-button
  • Luma

  • 35.9%
    APR

  • n/a

  • n/a

  • No Rewards

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

more-info-button
  • Aqua Reward

  • 34.9%
    APR

  • n/a

  • n/a

  • Cash back

Representative Example: 34.9% APR representative (variable) based on a credit limit of £1,200 and a purchase rate of 34.92% p.a. (variable).

more-info-button
  • Aqua Advance

  • 34.9%
    APR

  • n/a

  • n/a

  • No rewards

Representative Example: 34.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 34.92% p.a. (variable)

more-info-button
  • Ocean Credit Card

  • 34.9%
    APR

  • n/a

  • n/a

  • No Rewards

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

more-info-button
  • Capital One Classic

  • 34.9%
    APR

  • n/a

  • n/a

  • No Rewards

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

more-info-button
  • Vanquis Visa

  • 39.9%
    APR

  • n/a

  • n/a

  • No Rewards

Representative Example: 39.9% APR representative (variable). Based on a credit limit of £1,000 and a purchase rate of 39.94% p.a. (variable)

more-info-button
  • Black Diamond Visa

  • 59.9%
    APR

  • n/a

  • n/a

  • No Rewards

Representative Example: Representative 59.9% APR (variable). Based on a credit limit of £1,000 and a purchase rate of 59.94% (variable).

more-info-button
uk.creditcards.com offer credit card comparison tables which are free to the user. However, we may receive commissions from the issuers we refer users to. The above table is ordered based on specific product attributes. Please note - position does not imply suitability, strength or superiority.

* While reasonable efforts are made to keep information updated, credit card terms cannot be guaranteed for accuracy. Please ensure that you fully read the terms & conditions of any product or policy before you decide to proceed and are fully aware of the total costs and the benefits and any exclusions or limitations applicable to the product or plan.

* Please note that the ‘More info’ or ‘Apply here’ product links will take you direct to the Issuer or Insurer's site direct and we cannot be held responsible for the information which they provide within their own sites.

What are Poor Credit Credit Cards?

 

Poor credit credit cards are designed for people who have, for one reason or another acquired a poor credit history. Individuals, who might have missed credit card payments due to employment issues, incurred financial trouble during a relationship breakdown or a host of other reasons, but for whatever reason they are considered by banks to be more likely to default on balances. Because of this, the interest rates that are charged on these products are typically higher than you might expect to find from other mainstream products - to offer banks a cushion against the expected bad debt. However, although the rates can appear prohibitive, if used well, these products can be a great way of demonstrating to future potential lenders that you can responsibly manage credit - as your credit history will be reported back to at least one of the three UK credit reference bureaus. As such poor credit credit cards are viewed by some people who have historically struggled with credit as a lifeline or stepladder to obtaining mortgages and other premium financial products.

 

Getting the Best Credit Card for Poor Credit

 

Credit Cards for Poor Credit come in various forms and although typically the interest rates credit card issuers require are higher than those you can get on standard credit card types, there is now a realisation from issuers that the financial crisis pushed a number of individuals who would traditionally have been viewed as a 'good credit risk' into the 'poor credit' status. They have responded by developing products offered to those with poor credit so that now it is not unusual to get balance transfer, 0% purchase, rewards or even uncapped cashback with poor credit credit cards. This choice means it more important than ever to compare the best credit card offers to ensure you find the right product for your financial needs. Poor credit comparison tables like the one above are a great way to compare credit card products. Of course, if you no longer think you fall into the poor credit status camp then there a number of other products you could also investigate. Balance transfer and 0% purchase credit cards tend to be the most popular, but if you pay off your balance in full every month an airmiles credit card or cashback credit card might be better suited to your needs.

compare credit cardsCompare
Compare offers side by side to determine which card is best for you.

apply for a credit cardApply
Apply for a credit card with a secure online application.