Credit Cards Without Checks

Can you get a Credit Card without Credit Rating Checks?

The short answer is no. Any credit card company in assessing you for a credit card will carry out a credit check to first see if they are prepared to give you a card and secondly if they are the level of credit they are prepared to give you. If you have a previous poor credit history there are credit card companies that will offer cards usually with higher interest rates charged.

 

Can you get a Prepaid Card without Credit Rating Checks

Yes. Prepaid cards are not credit cards as the big difference is you are spending your money and not the card issuer's money. With a prepaid card you top up the card from your own bank funds before you use it. as there is no credit involved there are no credit checks. As a result prepaid card companies do not usually report to the credit rating agencies.

 

Rebuild Your Credit - Credit Card Deals
ProviderMinimum Credit LimitMaximum Credit LimitRepresentative APR (Variable)Apply
£500£500

62.32% APR

Apply Now >

Choice Freedom Gold Catalogue Card. Representative Example: 62.32% APR (variable).
  • UK’s premier catalogue card giving you access to a £500 credit line, great consumer products and a suite of excellent benefits
  • For customers with less than perfect credit that want to rebuild, or those that need a place to start
  • £500 Unsecured Credit Limit
  • Benefit Package
  • Reports to Major Bureau
  • Quality Service
  • Must be at least 18 years of age 
  • Initial fee of £39.95
  • Monthly fee of £14.95

Fair Investment Company is independent and provides a selection of some of the leading credit card deals available. Our service does not compare or contrast all of the credit card deals currently available in the market.

 

* See Credit Card Provider Terms & Conditions

Latest Prepaid Card Deals
ProviderInitial FeeMonthly FeeWithdrawal FeeApply
£4.50 - £5.00None£0.75More Info >
ClearCash Pay As You Go Prepaid MasterCard
  • No bank account needed, and no credit checks
  • Available as Pay As You Go or Pay Monthly
  • Access to cashback site, budgeting tools, numerous loading options
  • If you have a poor credit rating Creditbuilder™ could help you
  • Cashback rewards available
  • Main cardholder must be 18 or older (Additional cardholders must be 13 or older)
  • Minimum amount of initial load up on card £10
  • Maximum load on card £5,000
  • Maximum single transaction spend £800
£4.95£9.95£2 (UK)More Info >
Cashplus Prepaid MasterCard (Activeplus)
  • No ATM, monthly or UK purchase fees for the first 3 months
  • The first UK prepaid card that could help you establish or build your credit rating at no extra cost
  • No foreign exchange fees
  • Earn up to 27% cashback on most things you buy online
  • Free payments and transfers
  • Main cardholder must be 18 or older (Additional cardholders must be 13 or older)
  • 4 maximum additional cards
  • Minimum amount of initial load up on card £10
  • Maximum load on card £5,000
  • Maximum single transaction spend £800
£4.50 - £5.00£9.99£0.50More Info >
ClearCash Pay Monthly Prepaid MasterCard
  • Designed as a great alternative to a bank account - no credit checks required 
  • One monthly fee, no transaction fees.  
  • Budgeting tools, SMS balance facility, discounts on shopping, and more  
  • Get discounts on Virgin products and services (terms and conditions apply)
  • Main cardholder must be 18 or older (additional cardholders must be 13 or older)
  • Minimum initial card top up £10
  • Maximum load on card £5,000
  • Maximum single transaction spend £800
   More Info >
Cardonebanking Current Account

  • No credit checks**
  • No account opening fee 
  • UK call centre
  • No bounced payment fees
  • Cardonebanking Prepaid Debit MasterCard
  • Free text alerts each time money is paid in
  • Free text alerts if your bills cannot be paid
  • Manage your account online, by text and by phone 24/7
  • Must be 18 or older
  • Maximum card balance £5,000
  • £12.50 monthly fee
  • Additional card charged at £5 per month
  • Other charges apply for ATM withdrawals and overseas card usage (see terms and conditions for details)

Fair Investment Company is independent and provides a selection of some of the leading credit card deals available. Our service does not compare or contrast all of the credit card deals currently available in the market.

 

* See Credit Card Provider Terms & Conditions

0% on Purchase Credit Card Deals
ProviderRepresentative APR (Variable)PurchasesBalance TransferApply
18.9%

0% for 27 months

0% for 16 months

More Info >
Post Office Matched Credit Card (Provided by Bank of Ireland UK)
Representative 18.9% APR variable. Based on assumed borrowing of £1,200.
  • 0% on purchases for the first 27 months
  • 0% on balance transfers for 16 months (2.98% fee)
  • No cash fee if you purchase Post Office Travel Money 
  • Must be 18 or older
  • Must be a UK resident
  • Must not already hold a Post Office Credit Card
  • Transaction must be made with 3 months of account opening otherwise 0% purchase period reduced to 16 months
  • Balance transfer must be made with 3 months of account opening

Post Office Credit Card is provided by Bank of Ireland UK.

18.9%

0% for 26 months

0% for 12 months

More Info >

Yorkshire Bank Gold MasterCard

Representative 18.9% APR variable. Based on assumed borrowing of £1200.

  • 0% interest on purchases for 26 months from account opening
  • 0% on balance transfers for 12 months from account opening
  • Contactless card - for payments under £20 
  • MasterCard Secure Code - for safer online shopping 
  • Must be aged 18 or over and resident in UK 
  • 0% interest period starts from the day you open your card account
  • Credit limit subject to status
18.9%

0% for 26 months

0% for 12 months

More Info >

Clydesdale Bank Gold MasterCard

Representative 18.9% APR variable. Based on assumed borrowing of £1200.

  • 0% interest on purchases for 26 months from account opening
  • 0% on balance transfers for 12 months from account opening
  • Contactless card - for payments under £20 
  • MasterCard Secure Code - for safer online shopping 
  • Must be aged 18 or over and resident in UK 
  • 0% interest period starts from the day you open your card account
  • Credit limit subject to status
18.9%

0% for 15 months

0% for 15 months

More Info >

Santander Everyday Credit Card

Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200.  

  • 0% for 15 months on purchases
  • 0% for 15 months on balance transfers, with no transfer fee
  • No monthly fee
  • Up to 56 days interest free credit on purchases when you pay your balance in full and on time each month, even after the interest free period has ended 
  • Get five cashback offers of up to 25% from a range of major retailers when you switch on Retailer Offers, via Online or Mobile Banking. Ongoing cashback  - get cashback offers of up to 15% at a variety of online and high street retailers
  • Online and Mobile Banking so that you can manage your account whenever, wherever 
  • Apple Pay so that you can pay with your device at contactless terminals when you link your card to your iPhone 6 (or later) or Apple Watch
  • Up to 3 additional cards for family members at no extra cost
  • Must be aged 18 or over
21.7%

0% for 6 months

0% for 40 months

More Info >

Santander All in One Credit Card

Representative Example: Representative 21.7% APR variable. Based on assumed borrowing of £1,200.  

  • 0% for 6 months on purchases
  • 0% for 40 months on balance transfers, with 1% transfer fee
  • 0.5% cashback on all purchases with no limit
  • No foreign transaction fees on purchases and cash withdrawals abroad when made in the local currency (A cash withdrawal fee of 3% (minimum £3) applies to each withdrawal and interest is charged immediately).
  • Get five cashback offers of up to 25% from a range of major retailers when you switch on Retailer Offers, via Online or Mobile Banking. Ongoing cashback  - get cashback offers of up to 15% at a variety of online and high street retailers. 
  • Online and Mobile Banking so that you can manage your account whenever, wherever 
  • Apple Pay so that you can pay with your device at contactless terminals when you link your card to your iPhone 6 (or later) or Apple Watch
  • Up to 3 additional cards for family members at no extra cost
  • £3 pm (£36 pa) 
  • Must be aged 18 or over
18.9%

0% for 3 months

0% for 37 months

More Info >
Post Office Balance Transfer Credit Card (Provided by Bank of Ireland UK)
Representative 18.9% APR variable. Based on assumed borrowing of £1,200.
  • 0% on balance transfers for 37 months (2.49% fee)
  • 0% on purchases for the first 3 months
  • No cash fee if you purchase Post Office Travel Money 
  • Must be 18 or older
  • Must be a UK resident
  • Must not already hold a Post Office Credit Card
  • Balance transfer must be made with 3 months of account opening

Post Office Credit Card is provided by Bank of Ireland UK.

17.8%

0% for 3 months

0% for 22 months

More Info >
Post Office Platinum Credit Card (Provided by Bank of Ireland UK)
Representative 17.8% APR variable. Based on assumed borrowing of £1,200.

  • 0% on balance transfers for 22 months, with no fee
  • No fees on purchases overseas
  • No cash fee if you purchase Post Office Travel Money 
  • Must be 18 or older
  • Must be a UK resident
  • Must not already hold a Post Office Credit Card
  • Balance transfer must be made with 3 months of account opening

Post Office Credit Card is provided by Bank of Ireland UK.

11.1%

6.90%

6.90%

More Info >

NatWest Clear Rate Platinum Card

Representative Example: 11.1% APR variable, based on assumed borrowing of £1,200. Standard interest rate for purchases 6.90% pa (variable)

  • One low rate of 6.90% pa (variable) for balance transfers and purchases
  • Manage your account online or with 24/7 telephone banking
  • No balance transfer fees
  • Must be 18 or older
  • Must be a UK resident
  • Balance transfers permitted up to 95% of credit limit only
  • £24 annual fee

11.1%

6.90%

6.90%

More Info >
Royal Bank of Scotland Clear Rate Platinum Card
Representative Example: 11.1% APR variable, based on assumed borrowing of £1,200. Standard interest rate for purchases 6.90% pa (variable)

  • One low rate of 6.90% pa (variable) for balance transfers and purchases
  • Manage your account online or with 24/7 telephone banking
  • No balance transfer fees
  • Must be 18 or older
  • Must be a UK resident
  • Balance transfers permitted up to 95% of credit limit only
  • £24 annual fee

23.7%

18.9%

18.9%

More Info >

NatWest Reward Card

Representative Example: 23.7% APR variable, based on assumed borrowing of £1,200. Standard interest rate for purchases and balance transfers 18.9% pa (variable)

  • 18.9% pa (variable) for purchases and balance transfers
  • 1% Reward in all Supermarkets (0.5% at their petrol stations)
  • At least 1% at MyRewards retailers and 0.5% everywhere else you shop at home and abroad
  • 1% if you use contactless until 30th June 2016
  • 1%  on payments up to £30 you make using Apple Pay in stores until 30th June 2016
  • Refund of the annual fee if also have a Reward current account
  • Must be 18 or older
  • Must be a UK resident
  • £24 annual fee

18.9%

18.9% pa

N/a

More Info >

Santander Zero Credit Card

Representative Example: Representative 18.9% APR variable. Based on assumed borrowing of £1,200.  

  • No foreign transaction fees on purchases and cash withdrawals abroad when made in the local currency
  • No cash withdrawal fees at home and abroad (interest is charged immediately on cash withdrawals and some independent ATM providers may charge a withdrawal fee).
  • No monthly fee
  • Up to 56 days interest free credit on purchases when you pay your balance in full and on time each month. 
  • Get five cashback offers of up to 25% from a range of major retailers when you switch on Retailer Offers, via Online or Mobile Banking. Ongoing cashback  - get cashback offers of up to 15% at a variety of online and high street retailers
  • Online and Mobile Banking so that you can manage your account whenever, wherever 
  • Apple Pay so that you can pay with your device at contactless terminals when you link your card to your iPhone 6 (or later) or Apple Watch
  • Up to 3 additional cards for family members at no extra cost
  • Must be aged 18 or over

Fair Investment Company is independent and provides a selection of some of the leading credit card deals available. Our service does not compare or contrast all of the credit card deals currently available in the market.

 

* See Credit Card Provider Terms & Conditions