21 October 2017 : 


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Credit Building Credit Cards

Credit building credit cards are designed for people with a limited credit history, rather than those with a poor credit. These can include people who have not had or owned a credit card in the past or individuals who may only have a small number of credit applications to their name. Credit building cards help build your credit rating as they enable people to show they can borrow (and pay back) money responsibly . Compare some of the best UK Credit Building Credit Cards and find the right card to match your situation.



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Product Name Purchases
Intro
Minimum
Credit Limit
Representative
APR (variable)
Rewards
 
Marbles Product Details
Representative Example: Representative 24.8% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 24.84% p.a. (variable)
Marbles  Apply
 
aqua Classic 27.4% Low APR Product Details
Representative Example: Representative 29.7% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 29.75% p.a. (variable)
aqua Classic 27.4% Low APR  Apply
 
marbles Classic  Product Details
Representative Example: Representative 29.7% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 29.75% p.a. (variable)
marbles Classic   Apply
 
Capital One Classic Platinum MasterCard Product Details
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)
Capital One Classic Platinum MasterCard  Apply
 
opus Classic Product Details
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)
opus Classic  Apply
 
aqua Classic 0% for 6 Months on Purchases application
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)
aqua Classic 0% for 6 Months on Purchases Apply
 
aqua Classic with 6 Months  Balance TransferProduct Details
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)
aqua Classic with 6 Months  Balance Transfer Apply
 
Ocean Credit Card Product Details
Representative Example: Representative 34.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 34.94% p.a. (variable)
Ocean Credit Card  Apply
 
Marbles Classic with 5 Months  Balance TransferProduct Details
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)
Marbles Classic with 5 Months  Balance Transfer Apply
 
Barclaycard Initial with 3m PurchasesProduct Details
Representative Example: Representative 34.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 34.9% p.a. (variable)
Barclaycard Initial with 3m Purchases Apply
 
aqua Advance Credit Card Product Details
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)
aqua Advance Credit Card  Apply
 
marbles Classic 0% for 5 Months on PurchasesProduct Details
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)
marbles Classic 0% for 5 Months on Purchases Apply
 
Capital One Classic Product Details
Representative Example: Representative 34.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 34.94% p.a. (variable)
Capital One Classic  Apply
 
aqua Reward Credit Card Product Details
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)
aqua Reward Credit Card  Apply
 
thinkmoney Credit Card Product Details
Representative Example: Representative 35.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 35.94% p.a. (variable)
thinkmoney Credit Card  Apply
 
opus Classic with 3 months 0%  on Money TransfersProduct Details
Representative Example: Representative 39.9% APR (variable). Based on a credit limit of £1,200 and a purchase rate of 39.95% p.a. (variable)
opus Classic with 3 months 0%  on Money Transfers Apply
 


 Compare Credit Cards by Issuer

American Express Credit Cards American Express
Aqua Credit Cards Aqua Credit Cards
Barclaycard Credit Cards Barclaycard
Bank of Scotland Credit Cards Bank of Scotland
Capital One Credit Cards Capital One
Halifax Credit Cards Halifax
Lloyds Bank Credit Cards Lloyds Bank
MBNA Credit Cards MBNA
Nationwide Credit Cards Nationwide
NatWest Credit Cards Natwest
Royal Bank of Scotland Credit Cards Royal Bank of Scotland
Sainsbury's Bank Credit Cards Sainsbury's Bank
Santander Credit Cards Santander
Tesco Bank Credit Cards Tesco Bank
TSB Credit Cards TSB Credit Cards
Vanquis Credit Cards Vanquis
Virgin Money Credit Cards Virgin Money


 

 

compareandsave.com is a trading name of Freedom Marketing Ltd. Freedom Marketing Ltd is a credit broker, not a lender and is authorised and regulated by the Financial Conduct Authority, firm reference number 493117.

The offers that appear on this site are from companies from which compareandsave.com receives compensation. compareandsave.com does not include the entire universe of available financial or credit offers.

This table comprises a range of cards suitable for individuals who are looking to rebuild their credit score ranked by APRTable position does not imply product strength or superiority. Please ensure you have thoroughly investigated all available options before applying for products.

 
 
 

What is the best Credit Building Credit Card?

Everyone's financial situation is different so the right card for one individual may not be suitable for another. With this in mind it is worth considering a few cards before applying to find one best suited specific needs.

Who can apply for credit building cards?

Whilst credit building cards are aimed at people without a credit history, not everyone will be accepted for these cards. Additional eligibility criteria are commonplace and it is vital that individuals check these before they apply as failed credit applications can be read negatively by prospective lenders.

What credit limit will I get?

Credit building cards often start with a low credit limit, but this may rise the longer you hold the card. Some cards may start off with a higher representative Annual Percentage Rate (APR) which gradually decreases over time. Depending on one's financial situation it is always worth comparing credit cards before applying (most will offer some indication of credit limits available).

Can the Credit Building Card help with my credit rating?

Yes. Used well they can create a positive repayment history which shows that the individual is successfully paying off card debt every month and this is noted in the credit file.

What are the alternatives to Credit Building Cards?

Some Prepaid cards offer Credit Building facilities. You are, however, required to load the card up with cash before it can be used. If used well they can help re-establish your credit profile, making it easier to be considered for other financial products such as mortgages and loans in the future. Also, because you only use the amount that is on the card, you do not risk getting into debt or paying any expensive interest.

Can I get any benefits from using Credit Building Credit Cards?

Certain cards come with different rates of interest and some may even come with benefits such as cashback or 0% on purchases all of which should be considered when weighing up which is the best credit building deal for you.

Product Offers
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 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. On some comparison tables we use a star rating which rates products by visitor popularity.
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©2017 compareandsave.com is a trading name of Freedom Marketing Ltd.
Freedom Marketing Ltd is a credit broker, not a lender and is authorised and regulated by the Financial Conduct Authority, firm reference number 493117. This can be checked at http://www.fca.org.uk/register. Registered in England & Wales under registration number 05349340. The company's registered office is Freedom Marketing Limited, Colchester Centre, Hawkins Road, Colchester, Essex, United Kingdom, CO2 8JX.

The offers that appear on this site are from companies from which compareandsave.com receives compensation.

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