The companies below invite applications from people with a bad credit history.

Apply for the new Capital One Visa Card and get back on track by improving your credit rating and strengthening your credit history.

  • No Annual Fee
  • Choice of card designs
  • Free Identity Theft Service
  • Credit limit between £200 and £1,500
  • Instant cash from any cash machine that displays the Visa Card sign

    		•
    34.9% typical APR More Details / Apply

    Apply for the Vanquis Abacus Visa Card if you are new to credit or have experienced credit problems in the past.

  • No Annual Fee
  • Initial credit limits range from £250 to £2,000

    • 39.9% typical APR More Details / Apply

    Credit cards for people with a bad credit rating
    The card companies below invite applications from people with a poor credit rating.
    Card
    (click for full details)    		 Typical APR Variable
    Capital One Classic 34.9%
    Apply / More Details
    Vanquis 39.9%
    Apply / More Details

    Prepaid cards

    A prepaid card is an alternative to a credit card aimed at people who don't have a bank account or people who can't get a credit card.

    Cashplus Gold prepaid MasterCard®

    Full Details / Apply Online

    Want the exclusivity of a gold card? But can’t get credit? The new cashplus Gold prepaid MasterCard® is a pay as you go card with 100% acceptance guaranteed*, with no credit check or bank account required. 

    It works in a similar way to pay as you go mobile phones. You top up the card with cash and can only use it to spend with the credit available.

    *Subject to applicant providing acceptable identification, being a UK resident, aged 18 years or older if primary cardholder, or 13 years or older if additional cardholder.