UK

8 best credit cards to rebuild credit: Improve your finances!

If you need to improve your credit score easily, you can read our list of the best cards to rebuild credit easily!

by Victória Lourenço

Published on 03/29/2023

Learn which are the best cards to rebuild credit!

these cards will help you build a great credit score! Source: The Mister Finance.
these cards will help you build a great credit score! Source: The Mister Finance.

Are you in the UK looking for a way to improve your finances and rebuild your credit score? If so, you’re in luck! In this post, you can check out the best cards to rebuild credit!

Also, there are lots of great cards available that can help you achieve this goal. But with such an overwhelming selection, it can be difficult to know which one is best for your needs.

So, jump into our list and learn how the best cards to rebuild credit can help improve your overall financial health while offering flexibility and convenience along the way!

Vernon First-time Buyers Mortgage

Vernon First-time Buyers Mortgage full review

Are you a first-time buyer in the UK looking for the perfect mortgage to help you get on the property ladder? If so, read our Vernon First-time Buyers Mortgage review.

How do credit builder cards work?

You can use credit-builder credit cards to help you improve your credit score and your finances!

Moreover, high-interest rates and low credit limits are common features of credit cards marketed to those with poor credit. This reduces the lender’s potential loss from making a loan to you.

Also, if the annual percentage rate is high, the interest you pay on a monthly basis will cost you a lot of money.

Therefore, in order to get a credit card that will help you develop credit, you may have to forsake advantages like incentives and 0% interest on purchases and balance transfers.

Best credit cards to rebuild credit: 8 options!

Use these cards responsibly to rebuild your credit history. Source: Freepik.
Use these cards responsibly to rebuild your credit history. Source: Freepik.

Now that you understand a bit more about credit builder cards, we can help you with a list of the main ones, depending on your financial needs!

Moreover, each card offers unique benefits and powerful features guaranteed to help you get back on track quickly.

Therefore, we’ve rounded up 8 of the best credit cards that are specifically designed for rebuilding credit! So, read our list below to see the best cards to rebuild credit!

Aqua Credit Card

With the Aqua credit card, you’ll be able to check if you can qualify for it with no credit score harm. Moreover, you’ll be able to access fraud protection 24/7!

Also, this card allows you to get personalized credit limits, and it helps you to build and rebuild your score! In addition, you can even get tips to increase your credit score.

Credit ScoreBad credit.
APR34.9% variable APR (representative).
Annual FeeNo annual fee
Fees*Foreign exchange conversion: 2.95% o the transaction amount;
£12.00 fee for late payments, returned payments, and over-limit.
*Terms apply.
Welcome bonusN/A.
RewardsCheck your credit score for free through the app to help you build credit.

Capital One Classic Credit Card

With this Capital One credit card, you’ll be able to get up to a £1,500 credit limit, depending on your finances! Also, you can

Credit ScoreBad credit.
APR34.9% APR representative variable.
Annual FeeNo annual fee.
Fees*56 days interest-free on purchases;
Non-sterling transaction fee: 2.75%.
*Terms apply.
Welcome bonusN/A.
RewardsN/A.

Pre-approved credit cards for low credit score available now

We analyzed your profile and found some offers that you can apply for today.

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Vanquis Bank Chrome Credit Card

You can easily build your score with this Vanquis credit card! Also, it will help you pay a lower APR, depending on your finances!

Credit ScoreLow score.
APRRepresentative 29.5% APR (variable).
Annual FeeNo annual fee.
Fees*Up to 56 days interest-free on purchases;
Cash advance fee: 3% or £3, whichever is greater.
*Terms apply.
Welcome bonusN/A.
RewardsN/A.

Zopa Credit Card

You'll find the perfect card to build credit in this list. Source: Canva.
You’ll find the perfect card to build credit in this list. Source: Canva.

With the Zopa card, you’ll be able to make the best out of online banking through the app. Also, you’ll be able to manage your credit card finances all day through the app!

Moreover, you can enjoy their high-end customer service to answer any questions you may have and help you with any issue!

Credit ScoreLow score.
APRRepresentative example: 34.9% representative APR variable.
Annual FeeNo annual fee.
Fees*Cash transactions: £3 per transaction;
56 days interest-free;
Late payment fee: £12.00;
There are no over-limit fees;
You won’t have to pay fees to use your card abroad.
*Terms apply.
Welcome bonusN/A.
RewardsN/A.

Tesco Foundation Credit Card

With the Tesco Foundation Credit Card, you’ll be able to check your credit score and manage your finances easily.

Moreover, you’ll be able to use this card to rebuild credit and be on your way to financial freedom!

Credit ScoreBad score.
APRRepresentative 29.9% APR (variable).
Annual FeeNo annual fee.
FeesN/A.
Welcome bonusN/A.
RewardsFrom £250 – £1,500 and monthly repayments from £25.

HSBC Classic Credit Card

With this incredible HSBC credit card, you’ll be able to get a good APR rate depending on your credit limit approval. Also, you can build and rebuild your score for no annual fee!

Credit ScoreBad credit.
APR29.9% variable APR (representative).
Annual FeeNo annual fee.
Fees*2.99% of the cash or cash-related payment (minimum £3);
Non-Sterling Transaction Fee: 2.99% of the transaction amount in Sterling.
*Terms apply.
Welcome bonusN/A.
RewardsN/A.

Virgin Money All Round Credit Card Mastercard

You can start rebuilding your credit with the Virgin Money All Round Credit Card Mastercard!

Also, you’ll be able to check if you can qualify before you start applying. This way, you won’t need to harm your score.

Plus, you can use this card to build credit and earn exclusive cashback offers!

Credit ScoreRegular score.
APRRepresentative 22.9% APR (variable).
Annual FeeN/A.
FeesYou may need to pay some transfer fees.
Welcome bonusN/A.
Rewards*You can earn exclusive cashback offers.

Terms apply.

Post Office Classic Credit Card

With this card, you’ll be able to improve your credit and have the chance of getting 0% on balance transfers for 12 months!

Moreover, you can easily contact their excellent customer support service!

Credit ScoreLow score.
APR19.9% to 34.9% (variable) range of APR, depending on your financial situation.
Annual FeeNo annual fee.
Fees*2.9% balance transfer fee.

*Terms apply.
Welcome bonusN/A.
RewardsN/A.

Learn how to build an excellent credit score

Having a good credit score will already open some doors. But having an excellent credit score will roll out a red carpet at the door of credit institutions.

But is it possible to build an excellent credit score when you’re coming out of a very poor one? Read the following content to find out.

Excellent credit score.

Is it possible to get an excellent credit score?

Do you want to know how to get to an excellent credit scores range? If so, read our post to find out and learn more about your credit score!

About the author

Victória Lourenço

Victória Lourenço is part of the finance writer team for The Mister Finance website. She is a translator and copywriter, having worked on finance topics for over four years. She has a goal to keep studying finances to help people learn more about how to use their credit cards, make loans, and use other money-related products in a way that they can find a more meaningful and healthy financial life!

Reviewed by

Aline Barbosa

Senior Editor

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