Promoted for
Rewards

Promoted for
Rewards
Promoted for
All-rounder
Promoted for
Limited credit history
There are lots of different types of credit cards, so finding the card that’s best for you will really depend on what you want out of your card. Do you want the ability to earn reward points or cashback on purchases, or are you just looking for a card to cover everyday purchases? If you’re a student, you may instead want to consider a dedicated student credit card.
If you’ve never had a credit card before, you might find your options are limited, as the best credit cards are reserved for those with good credit ratings. But there are still a number of cards you could get approved for.
A rewards credit cards gives you the benefits of a normal credit card, as well as making your spending go further in the form of reward points. It’s worth keeping an eye out for rewards cards with generous introductory points offers and no annual fee. This means you can earn points on all your purchases at no extra cost, provided you pay off your balance in full each month.
American Express Rewards Credit Card
22.2%
Representative APR
£0
Account fee
5,000 points
Max. intro bonus
1 point
per £1 spent
Availability | Available to new customers |
---|---|
Residency | UK resident and has a UK bank or building society account. |
Foreign usage charge (EU) | 2.99% |
Cash advance fee | 3% (min. £3) |
If you’re planning to make a big purchase or have an upcoming expense, having more time to pay it off can make a huge difference to your overall finances. With a 0% purchase credit card, you can repay it over time without incurring additional costs.
M&S Bank Shopping Plus Credit Card
16 months
0% interest on balance transfers
18 months
0% interest on purchases
19.9%
Representative APR
£0
Account fee
Availability | Available to new customers |
---|---|
Min. income | 6800 |
Foreign usage charge (EU) | 2.99% |
Cash advance fee | 2.99% (min. £3) |
If you have limited credit history, you’ll likely find that your credit card options are also limited. Credit builder credit cards can help you improve or repair your credit rating so that you’ll be eligible for more premium credit cards in future.
Tesco Bank Foundation Card
27.5%
Representative APR
£0
Account fee
Up to 56 days
Interest-free each billing period
£100
Minimum credit limit
Availability | Available to new customers |
---|---|
Residency | UK residents |
Min. income | 5000 |
Foreign usage charge (EU) | 2.75% |
Cash advance fee | 3.99% (min. £3) |
This will really depend on what you want out of a credit card, and how you plan on using it, but credit builder credit cards are often a good first choice for those who don’t have much credit history. Credit builder cards help you build your credit score, which means you could then be eligible for more premium cards, and better rates, in future.
However, as they’re aimed at those with limited credit history, credit builder cards often have higher APRs (annualised percentage rate) than other cards, which means it’s important that you pay off your balance in full each month. If you don’t, you could end up paying a lot in interest payments.
The complete beginner’s guide to credit cards
We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.
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