Which? uses cookies to improve our sites and by continuing you agree to our cookies policy.

Compare credit cards for bad credit

We have found 25 out of 153 credit cards for people with a bad or poor credit history.

Credit cards you can take out if you have a bad credit history or want to build up your credit rating.

Benefits
Using these cards can help repair your credit rating if you've had bad debts.
Pitfalls
Interest rates are extremely high and you could be hit with high interest charges if you don't pay off your bill in full each month.
24.7% 24.7% APR Not provided 63%Fair

Vanquis Chrome 24.7% Credit Card

  1. This credit card has a high representative APR of 20% or more so borrowing with this card is expensive compared to others.
Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 24.7% (variable), representative 24.7% APR (variable). Credit available subject to status.

Marbles Classic Credit Card

  1. This credit card has a high representative APR of 20% or more so borrowing with this card is expensive compared to others.
Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 24.84% (variable), representative 24.8% APR (variable). Credit available subject to status.
24.9% 24.9% APR £17,500 66%Fair

Barclaycard Platinum 18 Month Balance Transfer Credit Card

  1. This credit card has a high representative APR of 20% or more so borrowing with this card is expensive compared to others.
Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 24.9% (variable), representative 24.9% APR (variable). Credit available subject to status.

aqua classic 27.4% Credit Card

  1. This credit card has a high representative APR of 20% or more so borrowing with this card is expensive compared to others.
Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 27.45% (variable), representative 27.4% APR (variable). Credit available subject to status.
27.54% 27.5% APR Not provided 69%Good

Tesco Bank Foundation Clubcard Credit Card

  1. This credit card has a high representative APR of 20% or more so borrowing with this card is expensive compared to others.
Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 27.5% (variable), representative 27.5% APR (variable). Credit available subject to status.
29.3% 29.3% APR Not provided 63%Fair

Vanquis Chrome 29.3% Credit Card

  1. This credit card has a high representative APR of 20% or more so borrowing with this card is expensive compared to others.
Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 29.3% (variable), representative 29.3% APR (variable). Credit available subject to status.

Marbles Classic with Starbucks Offer Credit Card

  1. This credit card has a high representative APR of 20% or more so borrowing with this card is expensive compared to others.
Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 29.75% (variable), representative 29.7% APR (variable). Credit available subject to status.
29.84% 29.8% APR Not provided 64%Fair

Capital One Classic Platinum Credit Card

  1. This credit card has a high representative APR of 20% or more so borrowing with this card is expensive compared to others.
Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 29.84% (variable), representative 29.8% APR (variable). Credit available subject to status.
29.84% 29.8% APR Not provided 63%Fair

Aquis Visa Credit Card

  1. This credit card has a high representative APR of 20% or more so borrowing with this card is expensive compared to others.
Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 29.84% (variable), representative 29.8% APR (variable). Credit available subject to status.
34.9% 34.9% APR £3,000 66%Fair

Barclaycard Initial with 6 Month Purchases Credit Card

  1. This credit card has a high representative APR of 20% or more so borrowing with this card is expensive compared to others.
Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 34.9% (variable), representative 34.9% APR (variable). Credit available subject to status.

Marbles Classic with 5 Month Balance Transfer Offer

  1. This credit card has a high representative APR of 20% or more so borrowing with this card is expensive compared to others.
Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 34.9% (variable), representative 34.9% APR (variable). Credit available subject to status.
34.94% 34.9% APR Not provided 64%Fair

Capital One Classic Credit Card

  1. This credit card has a high representative APR of 20% or more so borrowing with this card is expensive compared to others.
Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 34.94% (variable), representative 34.9% APR (variable). Credit available subject to status.

Ocean Finance Credit Card

  1. This credit card has a high representative APR of 20% or more so borrowing with this card is expensive compared to others.
Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 34.94% (variable), representative 34.9% APR (variable). Credit available subject to status.

aqua Advance Credit Card

  1. This credit card has a high representative APR of 20% or more so borrowing with this card is expensive compared to others.
Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 34.95% (variable), representative 34.9% APR (variable). Credit available subject to status.

aqua Classic 6 Month 0% Purchase Offer Credit Card

  1. This credit card has a high representative APR of 20% or more so borrowing with this card is expensive compared to others.
Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 34.95% (variable), representative 34.9% APR (variable). Credit available subject to status.

aqua Classic With 6 Month Balance Transfer Offer

  1. This credit card has a high representative APR of 20% or more so borrowing with this card is expensive compared to others.
Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 34.95% (variable), representative 34.9% APR (variable). Credit available subject to status.

aqua Reward Credit Card

  1. This credit card has a high representative APR of 20% or more so borrowing with this card is expensive compared to others.
Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 34.95% (variable), representative 34.9% APR (variable). Credit available subject to status.

Marbles Classic 5 Month 0% Purchase Offer Credit Card

  1. This credit card has a high representative APR of 20% or more so borrowing with this card is expensive compared to others.
Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 34.95% (variable), representative 34.9% APR (variable). Credit available subject to status.

granite Credit Card

  1. This credit card has a high representative APR of 20% or more so borrowing with this card is expensive compared to others.
Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 34.95% (variable), representative 34.9% APR (variable). Credit available subject to status.

thinkmoney Credit Card

  1. This credit card has a high representative APR of 20% or more so borrowing with this card is expensive compared to others.
Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 35.94% (variable), representative 35.9% APR (variable). Credit available subject to status.