Irresistible Credit Card Offers to Beat Bad Credit Scores Are Here!

Irresistible Credit Card Offers to Beat Bad Credit Scores Are Here!

A bad credit score is a stain that stays with you through every borrowing of your life. Every lender you approach notices it and does not like it. But don’t we have solutions to all types of stains nowadays?

Your credit rating can be built up using various stain removal remedies (metaphorically) available in the lending market. These include short-term loans, long-term loans, mortgages, unsecured loans, credit cards, etc.

One of the most alluring methods of building your credit score has been the introduction of bad-credit credit cards by the traditional sources. These credit cards are a haven for the rejected loan applicants, who come with a poor credit score.

Here is a list of some of the best credit cards offered by renowned institutions, to help you significantly climb up the ladder of your credit ratings. They have been arranged in the increasing order of the offered Annual Percentage Rate (APR), for your convenience.

1. Vanquis Bank Chrome Card 24.7pc (Visa)

APR: 24.7% (variable) ; Minimum Limit: £250 ; Maximum Limit: £1000, subject to status

Features:

  • Credit limit can be increased up to £4000 if the account held responsibly.
  • UK Citizens above 18 years of age are eligible to apply.
  • 2.99% of foreign transaction charges.
  • £12 late payment or exceeding credit limit charges.
  • Money transfers are allowed.
  • Maximum 56 interest-free days on purchases.
  • 3% (£3 minimum) Cash Withdrawal Fee.
  • No annual/monthly fee.

2. Tandem Journey Credit Card (Mastercard)

APR: 24.9% (variable) ; Minimum Limit: £150 ; Maximum Limit: £1200, subject to status

Features:

  • Free refund protection on all purchases of over £100.
  • UK Citizens above 18 years of age with a minimum income of £6000 are eligible to apply.
  • Maximum 56 interest-free days on purchases.
  • No foreign transaction or cash withdrawal charges.
  • £12 late payment and direct debit failure charges.
  • No charges on exceeding the credit limit.
  • 2.5% (£2.5 minimum) Cash Advance Fee per withdrawal
  • No annual/monthly fee.

3. Tesco Bank Foundation Clubcard Credit Card (Mastercard)

APR: 27.5% (variable) ; Minimum Limit: £250 ; Maximum Limit: £1500, subject to status

Features:

  • Get Tesco Clubcard points on every transaction.
  • UK Citizens above 18 years of age with a minimum income of £5000 are eligible to apply.
  • Credit limit can be increased if the account held responsibly.
  • Maximum 56 interest-free days on purchases.
  • £12 late payment or exceeding credit limit charges.
  • 2.75% foreign transaction charges.
  • 3.99% Balance transfer fee and cash advance charges (£3 minimum).
  • No annual/monthly fee.
  • E-mail and text reminders to pay on time and to stay within the limit.

4. Marble Classic 29.7 Credit Card

APR: 29.7% (variable) ; Minimum Limit: £250 ; Maximum Limit: £1200, subject to status

Features:

  • Cardholders are eligible for a credit limit to increase every 4 months, subject to the responsible handling of the account.
  • UK Citizens above 18 years of age are eligible to apply.
  • Possible grace periods offered if the credit limit is exceeded.
  • Soft check on credit scores performed (not visible to future lenders).
  • 2.95% of foreign transaction charges.
  • 3% (£3 minimum) balance transfer and cash advance fee.
  • No annual/monthly fee.
  • E-mail and text reminders to pay on time and to stay within the limit.

5. Vanquis Bank Aquis Credit Card (Visa)

APR: 29.8% (variable) ; Minimum Limit: £250 ; Maximum Limit: £1000, subject to status

Features:

  • A credit limit increase after your 5th statement and further limit increase every 5 months, up to £4000.
  • UK Citizens above 18 years of age are eligible to apply.
  • Maximum 56 interest-free days on purchases.
  • 2.99% of foreign transaction charges.
  • £12 late payment or exceeding credit limit charges.
  • 3% (£3 minimum) Cash Withdrawal Fee.
  • No annual/monthly fee.
  • E-mail and text reminders to pay on time and to stay within the limit.

6. Aqua Reward Credit Card

APR: 34.9% (variable) ; Minimum Limit: £250 ; Maximum Limit: £1200, subject to status

Features:

  • Offers 0.5% cash back reward into your account, on everything you buy throughout the year.
  • UK Citizens above 18 years of age are eligible to apply.
  • No foreign transaction fees.
  • The maximum limit can be increased in the future subject to borrowing and repaying behavior.
  • 3% (£3 minimum) Cash Fee and a 3% (£3 minimum) Cash Advance Fee per withdrawal.
  • No annual/monthly fee.

7. Capital One Classic Credit Card

APR: 34.9% (variable) ; Minimum Limit: £200 ; Maximum Limit: £1500, subject to status

Features:

  • Cardholders are eligible for two credit limit increases per year, subject to the responsible handling of the account.
  • UK Citizens above 18 years of age are eligible to apply.
  • 2.75% foreign transaction charges.
  • £12 late payment or exceeding credit limit charges.
  • 3% (£3 minimum) Cash Withdrawal Fee.
  • No late payment fee.
  • No annual/monthly fee.
  • E-mail and text reminders to pay on time and to stay within the limit.

8. Aqua Advance Credit Card

APR: 34.9% (variable) ; Minimum Limit: £250 ; Maximum Limit: £1200, subject to status

Features:

  • Regular payments and within-limit spending throughout the year leads to a 5% decrease in the APR.
  • UK Citizens above 18 years of age are eligible to apply.
  • No foreign transaction fees.
  • The APR offered is subject to an assessment of your application.
  • The 5% decrease is applicable for three years until the APR falls to 19.9%.
  • 3% cash withdrawal fee.
  • No annual/monthly fee.
  • Text reminders to pay on time and to stay within the limit.

9. Aqua Classic Credit Card

APR: 35.9% (variable) ; Minimum Limit: £250 ; Maximum Limit: £1200, subject to status

Features:

  • Cardholders are eligible for a credit limit to increase every 4 months, subject to the responsible handling of the account.
  • UK Citizens above 18 years of age are eligible to apply.
  • Possible grace periods offered if the credit limit is exceeded.
  • 2.95% of foreign transaction charges.
  • £12 late payment or exceeding credit limit charges.
  • 3% (£3 minimum) Cash withdrawal fee.
  • No annual/monthly fee.
  • E-mail and text reminders to pay on time and to stay within the limit.

To be noted,

The above-mentioned credit-building cards can be highly useful to you. Be careful in the repayments and your spending. Use your credit card according to your affordability. Sensible and responsible borrowing behavior can give a boost to your credit score, and can also help your finances.

Description: Credit Cards are no longer subject to just good credit score holders. Go through this list of best credit cards available for bad credit holders in the UK.

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