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Credit Builder Credit Cards

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Vanquis Bank

Chrome 29.3% Credit Card
Vanquis Bank logo

£250

Min credit limit

£1000

Max credit limit

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.

Vanquis Bank

Visa Credit Card
Vanquis Bank logo

£150

Min credit limit

£1000

Max credit limit

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 39.90% (variable), representative 39.9% APR (variable). Credit available subject to status.

Vanquis Bank

Origin Credit Card
Vanquis Bank logo

£150

Min credit limit

£3500

Max credit limit

Representative Example: Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 59.90% (variable), representative 59.9% APR (variable). Credit available subject to status.

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  • Compare Credit Builder Cards

    What if you would like to apply for a credit card but know you already have a low credit score? Credit builder cards are designed for those with bad credit to improve their credit score. By meeting the monthly repayments you can prove to lenders that you are reliable and slowly but surely heal your poor credit history. Think of it as a plaster with pound signs on it instead of teddy bears.

    What are credit builder cards?

    Did you know: using a credit card each month and meeting the monthly payments can actually build your credit score up, making you seem more reliable to major lenders. But if you already have a bad credit score, it can be difficult to apply for a standard credit card or personal loan.

    Credit builder cards are aimed at those with low credit ratings who may have had financial issues in the past. By keeping up with monthly payments, you will be seen as much more reliable by major lenders and have more financial avenues open to you in the future.

    What is the best credit builder card for me?

    There are a number of lenders to pick from for the best credit builder cards. However, it’s always worth finding out exactly what each card offers to ensure it suits your needs. Things to look out for include:

    • Minimum/Maximum credit limit: credit builder cards have stricter credit limits to make sure you have control over your finances. Try to choose a card and an amount that is manageable for you
    • Pre-Checks: there is often the ability to undergo a pre-check before applying for a credit card to see if you will be accepted. This is worth doing as the last thing you need is something else to harm your low credit score
    • Flexible monthly payments: the most important aspect of any credit builder card is being able to manage the monthly payments. Lenders will give the option of flexible monthly payments to make sure you can keep building up your credit score

    If you’re having trouble choosing from our list of credit builder cards, take our moneymatcher comparison tool for a spin. With just a few personal details it can highlight credit cards to suit you, without affecting your current credit score.

    Our credit card providers

    We work with a huge range of providers to give you a wide selection of financial products, ensuring you can find a credit card that is right for you.

    Each provider is screened to make sure they meet our high standards before we agree to work with them. This ensures that you can trust them as much as we do, allowing you to find the best product from a reputable source.

    Our range of credit card providers will allow you to choose between different card types including 0% balance transfer, 0% purchase, rewards, credit builder, gold & premium, travel, air miles, low rate and cashback. Our moneymatcher comparison tool will allow you to narrow down your search and pick out the right credit card for you.

    Have a look at our provider pages to see our full list of credit card providers.

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How to use Money Guru

Money Guru is a comparer of loans, credit cards, mortgages, current accounts, savings and investments, business banking and business loans. With our moneymatcher you can narrow down your search and find the right option for you.

  • Use moneymatcher to check your eligibility
  • Compare the latest products and find the best option for you
  • A huge panel of lenders and providers to choose from
  • Wisdom articles and insights to help you make an informed decision
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