Low Cost Credit Card Offer!

Vanquis Visa Classic Credit Card – 39.9% APR (Variable)

Rebuild Your Credit Rating

  • Representative 39.9% APR (variable)
  • Help for people who have been turned down for credit elsewhere
  • Start with an easy to manage credit limit between £150 and £1,000
  • You could get a credit limit increase after your 5th statement and further increases every 5 months, up to £4,000
  • A friendly UK Customer Service call centre
  • Online and SMS account management
  • Simple online application

Apply for a Vanquis Credit Card »

Representative APR (Variable)
15.9%
(Based on assumed borrowing of £1,200)
Balance Transfer
0% for 12 months
(no fee)
Purchase
0% for 12 months

Nationwide Select Credit Card
(available to existing customers only)

Representative APR (Variable)
9.9%
(Based on assumed borrowing of £1,200)
Balance Transfer
6.9%
(no fee)
Purchase
9.9%

The Royal Bank Credit Card

Representative APR (Variable)
17.9%
(Based on assumed borrowing of £1,200)
Balance Transfer
0% for 12 months
(no fee)
Purchase
0% for 12 months

Nationwide Credit Card
(available to existing customers only)

Representative APR (Variable)
15.9%
(Based on assumed borrowing of £1,200)
Balance Transfer
0% for 12 months
(no fee)
Purchase
0% for 12 months

Nationwide Select Credit Card
(available to existing customers only)

Representative APR (Variable)
17.9%
(Based on assumed borrowing of £1,200)
Balance Transfer
0% for 12 months
(no fee)
Purchase
0% for 12 months

Nationwide Credit Card
(available to existing customers only)

Representative APR (Variable)
15.9%
(Based on assumed borrowing of £1,200)
Balance Transfer
0% for 12 months
(no fee)
Purchase
0% for 12 months

Nationwide Select Credit Card
(available to existing customers only)

Representative APR (Variable)
17.9%
(Based on assumed borrowing of £1,200)
Balance Transfer
0% for 12 months
(no fee)
Purchase
0% for 12 months

Nationwide Credit Card
(available to existing customers only)

Representative APR (Variable)
9.9%
(Based on assumed borrowing of £1,200)
Balance Transfer
6.9%
(no fee)
Purchase
9.9%

The Royal Bank Credit Card

There are no tables for this criteria

There are no tables for this criteria

Type of Card
Pre-Paid MasterCard
Adverse Credit
Details

One for all! Viabuy Prepaid Mastercard. No credit check or proof of income

100% Acceptance Rate

Viabuy Pre-Paid MasterCard

Type of Card
Pre-Paid MasterCard
Adverse Credit
Details

No credit checks – open to everyone with guaranteed acceptance. Help manage your money. Account comprises of a Billing Account for money in and to pay your bills from, plus the a Debit Mastercard® for your every day spending

Cashback

Card One Money Pre-Paid MasterCard

Type of Card
Pre-Paid Gold Deluxe MasterCard
Adverse Credit
Details

The great alternative to a bank account. No credit checks to open an account. Free ATM withdrawals
Direct Debits and Online Banking services. Option to borrow up to £250

Option to borrow money

CashPlus Pre-Paid Gold Deluxe MasterCard

Type of Card
Pre-Paid Gold MasterCard
Adverse Credit
Details

The great alternative to a credit card. Simply pay in money with a UK bank transfer or cash and use it like you would a debit card. Instant Approval – 100% Guaranteed

Cashback

CashPlus Pre-Paid Gold MasterCard

Type of Card
Vanquis Visa Classic Credit Card
Adverse Credit
Details

Improve your credit rating with a Vanquis Visa Classic card

APR
39.9%
(representative variable)

Vanquis Visa Classic Credit Card

Type of Card
Chrome Credit Card
Adverse Credit
Details

Make your credit future shine with the new Chrome card. Can be a great tool to improve your credit rating

APR
24.7%
(representative variable)

Chrome Credit Card

Type of Card
Aquis Credit Card
Adverse Credit
Details

The Aquis credit card can be a great way to build a strong credit rating

APR
29.8%
(representative variable)

Aquis Credit Card

Type of Card
Pre-Paid MasterCard
Adverse Credit
Details

One for all! Viabuy Prepaid Mastercard. No credit check or proof of income

100% Acceptance Rate

Viabuy Pre-Paid MasterCard

Type of Card
Pre-Paid MasterCard
Adverse Credit
Details

No credit checks – open to everyone with guaranteed acceptance. Help manage your money. Account comprises of a Billing Account for money in and to pay your bills from, plus the a Debit Mastercard® for your every day spending

Cashback

Card One Money Pre-Paid MasterCard

Type of Card
Pre-Paid Gold Deluxe MasterCard
Adverse Credit
Details

The great alternative to a bank account. No credit checks to open an account. Free ATM withdrawals
Direct Debits and Online Banking services. Option to borrow up to £250

Option to borrow money

CashPlus Pre-Paid Gold Deluxe MasterCard

Type of Card
Pre-Paid Gold MasterCard
Adverse Credit
Details

The great alternative to a credit card. Simply pay in money with a UK bank transfer or cash and use it like you would a debit card. Instant Approval – 100% Guaranteed

Cashback

CashPlus Pre-Paid Gold MasterCard

Type of Card
FairFX Pre-Paid Business MasterCard
No Credit Check to Open
Details

Issue FairFX MasterCards to staff, and use the online platform to instantly load cards, monitor spending, and upload transaction data in accounting software at any time

Available to
Any registered business in the EU including Sole traders, SMEs, Charities, Trusts, PLCs, & Multinationals

FairFX Pre-Paid Business MasterCard

Type of Card
Soldo Pre-Paid Business MasterCard
Integrates with Accounting Systems
Details

Take control of company spending with Soldo, the prepaid Mastercard® that does your expenses for you

Available to
Small and large businesses

Soldo Pre-Paid Business MasterCard

Type of Card
Pre-Paid Business MasterCard
No Credit Check to Open
Details

Great alternative to a business bank account. Pay in cash or load money via bank transfer, use your card online and instore or to withdraw cash. Pay bills, suppliers and expenses online

Available to
Public or private, Sole traders, Limited Companies, Partnerships Multinationals, Charities, Government

CashPlus Pre-Paid Business MasterCard

Credit Card

How To Choose & Apply For A Credit Card

Selecting the right credit card will depend largely on how you are going to use it and how often. There are a number of key considerations when picking a provider.

  • APR – The annual percentage rate of interest gives you the overall cost of the card, however it is important to understand this is only one measure of the cost of the card. The APR is based on purchases and not balance transfers and cash withdrawals where the rates of interest may be different.
  • Representative APR – Lenders will quote a “Representative APR” which is based on what 51% of people are offered. What you are actually offered will depend on your credit rating when you make an application.
  • Fees – Often found in the small print it is worth looking at what a credit card provider will charge you in the event of late or returned payments
  • Introductory Offers – There is a lot of competition for your business and Card Providers are constantly bringing out new offers. The most common are 0% interest only offers for cards for balance transfers from existing card providers and deals on purchases e.g. 0% on new purchases for a set time period. For any introductory period providers are banking on you carrying on so it is important to pay off any balances before this time so you do not incur hefty interest charges.
  • Benefits – As well as introductory periods, card providers may offer other incentives such as cashback on purchases made from specified retailers or outlets, airmiles based on monthly spend and other rewards such as concierge services and free travel insurance. You need to assess whether these are important to you – you may pay a higher interest rate for the privilege!
  • Small Print – As with all credit agreements you should read through the small print so you know what you are getting into.
No Credit Check Prepaid Card

What are my credit cards options if I have a bad credit record?

If your previous track record on credit is less than perfect getting a credit card may be a bit more challenging, but there are options for you depending on what you need.

Credit gets more expensive when your credit record indicates that in the past you may have had a few blips. Basically you will be seen as a higher risk when it comes to making repayments. The good news is that while there may be options for you.

  • Credit repair credit cards – These cards whilst expensive get you back on the road to building up your credit profile. Card providers such as Vanquis will increase your credit limit once they have seen your credit usage after a 5 month period.
  • Pre-paid cards – you can only spend what is loaded onto the card. If you have a recent default on a credit agreement (last 12 months) you can forget about a credit card. A prepaid card allows you to get your spending habits back on track. Once you demonstrate a year’s worth of responsible usage some card providers will forward that info onto credit agencies.
How To Improve Your Credit Score
Credit Score

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