Credit building credit cards

Credit building credit cards explained

If you’re looking for your first credit card or you’ve got limited credit history, our credit building credit cards could help you gradually build your credit rating.

It’s just important that you understand how they work. If you manage your account well, by doing things like staying within your credit limit and making at least the minimum payment each month, you can improve your credit rating over time. But if you don’t manage your account properly, you could harm your rating. Take a look at our page on understanding credit to learn more

Best credit builder card provider

Forward credit card

Are you looking for your first credit card, or do you have a limited credit history?

  • Credit limit of £50-£1,200 subject to status
  • 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
  • 0% interest on purchases for three months from the date you open your account

Representative example

Representative APR
33.9% APR (variable)
Purchase rate
33.9% p.a. (variable)
Based on a
credit limit
Annual Fee
No annual fee

The approval of your application depends on your financial circumstances and borrowing history.