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Credit Building Cards

In normal circumstances, if you have a low credit score or a 'thin' credit rating you may struggle to get a standard credit card. However, many credit card issuers recognise that some people may have changed circumstances and are now able to build a credit rating. For those people issuers provide a credit card to accommodate this need, but at a price. Read more...>

	Capital One Progress Could shrink your interest rate to 19.9% pa variable	34.9%	Reduce rate for managing account responsibly
		** Shrink your balance transfer & purchase rate **
	Barclaycard Initial Improve your credit rating; credit limits up to 2k	27.9%	Holiday deals with Barclays Travel Service
		** Credit building card with competitive % typical APR **
	Capital One Classic Up to £1,500 in spending power	34.9%	n/a
		** Best performing credit strengthening card **

Credit Strengthening Cards

Providers offer credit building cards at higher rates of interest than standard credit cards. This means they do not form a sensible method of long-term borrowing. As long as the balance is paid off in full every month, the cardholder will begin to improve their credit score which, over time, may mean they have the chance to qualify for a standard card with low interest rates.

Credit building cards offer access to a low amount of credit, the chance to purchase items over the phone or on the internet, and an opportunity to turn around a credit rating (as long as the payments are made on time).

Credit building cards often have some additional extras such as, extra access to tips and guidance on how to further improve a credit score, no annual fee, the chance to increase the credit limit after a small amount of time using the card and security safeguards such as warnings for unusual card activity.

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.