-

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
  • 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)
Based on a
£1,200
credit limit
Annual Fee
No annual fee

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

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

Representative APR
24.9% APR (variable)
Purchase rate
24.9% p.a. (variable)
Based on a
£1,200
credit limit
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