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

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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: 34.9% APR (variable)
Purchase rate: 34.9% p.a. (variable); £1,200
Annual Fee: No annual fee

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

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Our most accessible 0% balance transfer credit card for people with an average credit rating

Great if you’ve built an average credit history and you’re now looking for a balance transfer.

0% interest for up to 18 months on balance transfers from the date you open your account (2.99% fee applies). Transfers must be made within 60 days to benefit from the 0% offer

Representative example - most accepted customers get

Representative APR: 24.9% APR (variable)
Purchase rate: 24.9% p.a. (variable); £1,200
Annual Fee: No annual fee

The approval of your application depends on financial circumstances and borrowing history. The interest rates may differ from those shown

Find out more