Having bad credit can make getting a credit card seem difficult, but it’s not impossible. Whether you’ve had past financial struggles or are looking to rebuild your credit, there are ways to qualify for a credit card even with a low credit score. This guide will walk you through your options, how to improve your chances, and the best credit cards available for bad credit in the UK.
Can You Get a Credit Card with Bad Credit?
Yes! Many UK lenders offer credit builder credit cards specifically designed for people with bad or limited credit histories. These cards typically come with:
✅ Lower credit limits – Typically between £200-£1,200.
✅ Higher interest rates – Due to the increased risk, APRs can range from 29.9% to 59.9%.
✅ Chance to rebuild credit – Making payments on time improves your credit score over time.
Tip: If you have a low credit score, always check your eligibility before applying to avoid unnecessary rejections.
How to Check Your Credit Score Before Applying
Before applying for a credit card, it’s important to know where you stand.
Where to check your credit score for free:
If your credit score is low, don’t worry! There are still credit card options available to you.
Best Credit Cards for Bad Credit in the UK
If you have bad credit, look for a credit builder card that helps improve your score. Here are some of the best options:
Capital One Classic Credit Card
APR: 34.9% (variable)
Credit Limit: £200-£1,500
Eligibility Checker: Yes, without impacting your credit score
Website: Capital One
Vanquis Classic Credit Card
APR: 39.9% (variable)
Credit Limit: £250-£1,000
Good for: Rebuilding credit with responsible use
Website: Vanquis
Tesco Foundation Credit Card
APR: 29.9% (variable)
Credit Limit: Based on eligibility
Good for: People with limited or bad credit history
Website: Tesco Bank
Tip: Start with a small limit and always pay at least the minimum repayment on time to boost your credit score.
How to Improve Your Chances of Approval
To increase your chances of getting approved for a credit card, follow these steps:
Use a Pre-Eligibility Checker
Most credit card providers offer soft search tools that let you check if you’re eligible without affecting your credit score.
Register on the Electoral Roll
Lenders use this to verify your address. You can register on GOV.UK.
Lower Your Credit Utilisation
Try to use less than 30% of your available credit limit. This improves your creditworthiness.
Avoid Multiple Applications
Applying for too many credit cards at once can harm your credit score. Space out applications by at least three months.
Example: If you have a £1,000 credit limit, try not to use more than £300 at a time to improve your credit score.
How to Use a Credit Card to Rebuild Credit
Once approved for a credit card, follow these best practices to improve your score:
✅ Make payments on time – Late payments negatively impact your credit history.
✅ Keep balances low – Avoid maxing out your credit card.
✅ Pay more than the minimum – Reduces interest and boosts your credit profile.
✅ Don’t miss payments – A missed payment stays on your credit file for six years.
Tip: Setting up a Direct Debit for the minimum payment ensures you never miss a payment.
Final Thoughts
Getting a credit card with bad credit is possible, but it requires responsible financial management. Start with a credit builder card, make regular on-time payments, and you’ll gradually improve your credit score.
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