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REBUILD YOUR RATING

Rebuilder cards are available for almost everyone other than bankrupts. They all give small credit limits, but also give you the ability to pay by card that you otherwise might not have.

If you pay on time every time, some cards move you on to cheaper interest rates automatically. Or you can apply for cheaper rebuilder cards. As you demonstrate a good payment record, your credit score will start to rise gradually too. If you have a good credit rating already you maybe able to get a credit card aimed at the wider market.

Credit builder cards are listed in order of APR - cheapest first.

If you know your credit rating, select it by hovering your mouse over the panel to the right and clicking on the appropriate rating. If you don’t know your credit rating, click the button to calculate it for free. This will match up your rating with lender appetite to give you the best chance of success with your application.

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Marbles Credit Card - 29.7% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • No Introductory Offer
  • No Balance Transfer Offer
  • No Cashback or Rewards Offered
  • Not yet rated by our customers

You may remember the Marbles name from the mid-noughties - this card has been re-launched by NewDay, who provide other cards for those with some credit history issues.
The card starts with an easy-to-manage £250-£1200 credit limit - the limit is reviewed after 3 months and you could get an increase on your 4th statement. The benefits of this card are that you can find out if you'll be accepted before applying, thus avoiding any unnecessary credit searches on your credit report. The online account management is also good, allowing you to track your balance, set due date reminders and set spending alerts.

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Marbles Credit Card REPRESENTATIVE EXAMPLE

Representative 29.7% APR (variable)
based on maximum credit limit of £1,200
Representative Example: If you spend £1,200 at a purchase interest rate of 29.75% (variable) your representative APR will be 29.7% APR (variable)

Barclaycard Forward Credit Card - 33.9% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • Intro Offer of 3m at 0%
  • No Balance Transfer Offer
  • No Cashback or Rewards Offered
  • Recommended by 80% of customers surveyed

This Barclaycard is aimed at those new to credit or looking to improve their credit rating and who are having difficulty getting credit. If you want to establish or improve your credit rating, and are happy with a smaller, manageable credit limit this card should be on your short list, as all the usual Barclaycard benefits are there including PayTag and contactless payment technology built into each card. The rate shown here is the rate you will receive if accepted for the card. This is much higher than standard Barclaycards (but not for this type of card), which reflects the risk profile that Barclaycard Initial cardholders are expected to have. Your account will be reviewed within 12 months and your line of credit may be increased if you always pay on time and stay within your credit limit. An additional benefit is that you will pay 0% interest on purchases for 3 months from the date you open your account.

Price promise – 3% interest rate reduction if you make all your payments on time and stay within your credit limit for the first year. Keep it going in the second year and you’ll get another 2% reduction. 80.3% of respondents to our annual survey rate Barclaycard customer service as very good or excellent.

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Barclaycard Forward Credit Card REPRESENTATIVE EXAMPLE

Representative example:
Representative APR 33.9% APR (variable)
Purchase rate p.a. 33.9% p.a. (variable)
Assumed credit limit £1,200

Luma Purchase Credit Card - 35.9% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • Intro Offer of 3m at 0%
  • No Balance Transfer Offer
  • No Cashback or Rewards Offered
  • Not yet rated by our customers

Luma's latest credit card allows customers up to 3 months interest free on their purchases, something rarely seen on credit building cards. With credit limits up to £1,500, customers can be accepted if they are new to credit, have some previous bad credit history or CCJs, so the card could be beneficial to someone that is looking for a short term loan to repay in a few month's time, as it'll be on an interest free basis. With the interest rates at 35.94% once the initial 3 months is over this could be an expensive way of borrowing, so we always recommend trying to pay balances back in full each month wherever possible. Additional cardholders can be added and you can manage the account online or with the app.

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Luma Purchase Credit Card REPRESENTATIVE EXAMPLE

If you spend £1,200 at a purchase interest rate of 35.94% p.a. (variable) your representative APR will be 35.9% APR (variable)

Luma Credit Card - 35.9% APR Representative Variable

APPLY TODAY
Find out more & apply online now
  • No Annual Fee
  • No Introductory Offer
  • No Balance Transfer Offer
  • No Cashback or Rewards Offered
  • Not yet rated by our customers

Launched in August 2012 by MI Money, this card is administered by Capital One on its behalf. The maximum credit limit is £1,500 and there are a number of special discount-type offers from Luma, which are also available on their website to non-cardholders. The main purpose of the Luma Card is to help those with poor or no credit history to regain a credit card, which can then help rebuild a better credit record. The interest rate is high but reflects the sub-prime target market it is targeting. The high interest rate means that this is not a card to borrow with – unless you have no other option.

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Luma Credit Card REPRESENTATIVE EXAMPLE

If you spend £1,200 at a purchase interest rate of 35.94% p.a. (variable) your representative APR will be 35.9% APR (variable)

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