Poor Credit Rating Cards

Having a difficulty being taken on by a credit card provider is a reality for many people. Whether you have a low credit score, a low income, are self employed or simply new to the country, it can be quite a job to find credit cards for bad credit. Poor Credit Rating Cards are aimed at your situation – even those who have faced bankruptcy will be considered.

Below we have compared a range providers of credit cards for people with bad credit. Use the table to weigh up advantages and disadvantages, representative interest rates and whether there are additional features such as 'credit rebuilding'. Make sure you take into account how much you will need to pay in fees and charges. Once you have found the right credit card, simply click on 'Apply'.

COMPANY	ISSUER	REPRESENTATIVE APR	CREDIT LIMIT	REBUILD CREDIT	CHIP & PIN	CASH BACK	BALANCE TRANSFER	NEW PURCHASE	APPLY
Rise Credit Card		303% Example Representative Example If you spent £300 on a purchase transaction at the start of your agreement, incurred monthly charges over 12 months of £330 and made repayments by 12 equal instalments, your APR would be 303% representative (variable).	£300	No	Yes	Yes	N/A	N/A
	The Rise Credit Card charges you a single monthly fee of £10 per £100 borrowed or part thereof, there is no interest or default charges on the account. There is also a cash advance feature which will enable you to apply for a cash advance of up to £250 to be deposited quickly and directly into your bank account.								Services Services 1. Poor Credit Rating Card Advantages Advantages 1. £300 Unsecured Credit Limit 2. 0% Interest - A simple monthly charge only 3. Use wherever Visa Cards are accepted! 4. Get Fast Access to Cash with Cash Advance! - Visa Card with up to £300 credit limit - Quick Cash paid directly into your bank account - Apply before 2pm weekdays and receive cash by 5pm - Applications later than 2pm processed the next working day 5. Poor Credit History Considered 6. Do not charge for late payments, overlimit balance and returned cheques Disadvantages Disadvantages 1. If you continue to miss repayments, your credit rating will be adversely affected and your account may be referred to a third party for debt collection and/or legal or proceedings may commence. 2. If your account is typically not paid off in full every month then this card may not be suitable for long term borrowing as there may be cheaper ways for you to obtain credit. 3. If you don't use your card you will still be charged a monthly fee of £3.50 for administative reasons 4. There is a £20 activation fee 5. Cash withdrawals's cost £2.50
aqua Credit Card		35.9% Example Representative Example Assumed borrowing of £2,200; Representative 39.9% APR (variable); Standard interest rate for purchases: 35.9% p.a. (variable) Address: First Floor, 11 Tower View, Kings Hill, West Malling, Kent, ME19 4RL.	£2200	No	Yes	No	39.95%	39.95%
	There is no annual fee with the aqua MasterCard and a sensible credit limit of up to £2,200. There are many features and benefits of the aqua bad credit credit card which make it unique, including a friendly 24 hour customer helpline, flexible payment dates and manageable monthly payments. In addition to this, no interest will be charged on purchases if every statement balance is paid in full by the payment date.								Services Services 1. A friendly 24-hour customer helpline. 2. A MasterCard with no annual fee Advantages Advantages 1. Will help repair your credit history 2. Up to 51 days of interest free credit on purchases if the balance paid in full each month 3. Free additional cardholder 4. Manageable monthly payments 5. Flexible payment dates 6. A friendly 24-hour customer helpline Disadvantages Disadvantages 1. High APR rate
Vanquis Credit Card		39.9% Example Representative Example Assumed borrowing of £1,000; Representative 39.9% APR (variable); Standard interest rate for purchases: 39.94% p.a. (variable) Address: Colonnade, Sunbridge Road, Bradford, West Yorkshire	£1000	No	Yes	No	Balance transfers are subject to prior approval.	56 days interest free.
	The Vanquis Visa Card is designed for people with no credit history in the UK or who have previously had bad debt or have bad credit rating. Terms and conditions apply.								Services Services Credit Card Advantages Advantages 1. Available to those with poor credit history. 2. 56 Days Interest free on transactions when you have paid off 2 or more consecutive current statement balances on time and in full. 3. Register and purchase to receive one of the available rewards - including £10 worth or Marks and Spencer vouchers or £10 worth of Amazon Vouchers. Disadvantages Disadvantages 1. 39.9% APR is high.
Capital One Classic		34.9% Example Representative Example Assumed borrowing of £1,200; Representative 34.9% APR (variable); Standard interest rate for purchases: 34.94% p.a. (variable) Address: Capital One, Trent House, Station Street, Nottingham, NG2 3HX	£2500+	Yes	Yes	No	Balance transfers are subject to prior approval.	Standard Purchase Period.
	Capital One's credit cards for people with poor credit, credit problems or no credit history. Students and new migrants to the UK are also eligible. This bad credit credit card will help you rebuild your credit. A number of choices of modernist designs. Up to £2,500 in spending power, though depending on your credit rating you will probably start lower. As long as you keep up with repayments, your limit will be increased.								Services Services Credit Card Advantages Advantages 1. Available for students, those with poor or no credit. 2. 8 choices of card design. 3. Will strengthen your credit rating. 4. Your limit will increase as you make your repayments. Disadvantages Disadvantages 1. 34.9% APR - though this is acceptable for poor credit rating card. 2. Balance transfers are subject to prior approval.