Compare theBest Credit CardsCompare UK credit cards to find the best deals for you!
Representative APR (Variable) Credit Card DefinitionPurchases Credit Card DefinitionBalance Transfers Credit Card DefinitionRewards Credit Card Definition
Capital One Classic Credit Card
Capital OneClassic
34.9%APR
No offer
34.94%3% fee
  • Shopping
  • Great for building your credit
  • Free Equifax credit reports
  • Capital One eXtras - online shopping discounts
  • Purchase protection insurance
  • Choice of card designs
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Representative Example: Based on a credit limit of £1,200 charged at 34.94% (variable) p.a. for purchases. Representative 34.9% APR (variable).
Vanquis Bank Credit Card
Vanquis BankCredit Card
39.9%APR
No offer
No offer
  • No rewards
  • Ideal if you have a poor credit rating
  • Applicants with CCJ's considered
  • Good for building your credit rating
  • Choice of card designs
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Representative Example: Based on a credit limit of £1,000 charged at 39.94% (variable) p.a. for purchases. Representative 39.9% APR (variable).

Credit Builder Credit Card Comparison

Credit builder credit cards are perfect for those people who have experienced debt problems in the past, but are sure that they can make regular payments every month. Card providers can be hesitant about lending to those with poor or incomplete credit histories, or people who have never had a card before. You'll need to improve your credit score in order to be accepted for the very best credit card deals in the future. By making regular monthly payments to a credit builder card, you can prove to other lenders that you are a reliable and responsible credit customer. After you've done this, you will have a better chance of getting a cheaper card, a low-interest mortgage or just a card with great rewards.

For obvious reasons, credit builder credit cards have very high interest rates - usually over 30% - and this is to encourage borrowers to pay off their balance in full every month. These cards have a low credit limit, but are ideal if you plan to be punctual with your monthly repayments. If you forget to do this, you could end up with hundreds of pounds worth of debt at the end of the year because of the interest that has accumulated. The best way to prove to credit rating agencies that you can manage a loan is to make the full payments at the end of each month. You also need to be cautious about what you use your card for, as some services such as ATM withdrawals are accompanied by high interest rates. It's therefore important to check out the terms and conditions of the card before you sign up.

Most people can apply for a credit builder credit card, but don't expect to be accepted onto the first one you apply for. Although more people get accepted for these credit cards, those who are bankrupt or have a CCJ will need to do extended research in order to find a card they can apply for. It definitely makes sense to get one of these cards, especially if you plan to pay your balance on time, because it will slowly counter out your negative credit history and earn you a better credit report - enabling you to secure cards with lower levels of APR in the future.