How low income credit cards work

Some cards make it easy to apply for a credit card when your income is low. There are even provisions for those who earn no income at all to get access to credit. But it’s important to remember that your salary (or other income) is never the sole factor in your qualification for a credit card.

Compare credit cards for low income

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Name	Product	Initial credit limits	Minimum income	Purchases	Annual/monthly fees	Representative APR	Link	Incentive	Representative example
Tymit Credit Card		Min. limit £500, max. limit £15,000.	Not specified	22.4%	£0	22.4%	Check eligibility Read review		Representative Example: Rep. APR 22.4% (variable). This means for a purchase of £100 at 22.4% spread over 12 months, you'll pay a total of £111.39 (12 payments of £9.28). No annual fee.	Compare	loading Fetching your data...
Vanquis Bank Chrome Credit Card		Min. limit £150, max. limit £1,200.	Not specified	29.5%	£0	29.5%	Check eligibility Read review		Representative example: When you spend £250 at a purchase rate of 29.5% (variable) p.a., your representative rate is 29.5% APR (variable).	Compare	loading Fetching your data...
thimbl. credit card		Min. limit £150, max. limit £1,200.	Not specified	39.94%	£0	39.9%	Check eligibility Read review		Representative example: When you spend £1,000 at a purchase rate of 39.94% (variable) p.a., your representative rate is 39.9% APR (variable).	Compare	loading Fetching your data...
Vanquis Bank Classic Credit Card Visa		Min. limit £150, max. limit £600.	Not specified	39.94%	£0	39.9%	Check eligibility Read review		Representative example: When you spend £1,000 at a purchase rate of 39.94% (variable) p.a., your representative rate is 39.9% APR (variable).	Compare	loading Fetching your data...
Vanquis Bank Origin Credit Card		Min. limit £150, max. limit £250.	Not specified	59.94%	£0	59.9%	Check eligibility Read review		Representative example: When you spend £250 at a purchase rate of 59.94% (variable) p.a., your representative rate is 59.9% APR (variable).	Compare	loading Fetching your data...
Tesco Bank Foundation Card		Min. limit £100, max. limit not specified.	£5000	27.542%	£0	27.5%	Read review	Collect 1 Tesco Clubcard point per £4 spent (£4 minimum) in Tesco and 1 Clubcard point per £8 spent (£8 minimum) outside Tesco in each purchase transaction.  Must have available credit to collect Clubcard points. Clubcard points are turned into Clubcard vouchers every 3 months or sooner using Faster Vouchers. Clubcard vouchers can be used in Tesco or with Clubcard Reward Partners to get even more value on dining out, hotel stays and travel.	Representative example: When you spend £1,200 at a purchase rate of 27.542% (variable) p.a., your representative rate is 27.5% APR (variable).	Compare	loading Fetching your data...
The Credit Thing card		Min. limit £200, max. limit £1,500.	Not specified	2.33% to 4.99% monthly interest rate	£0	27.9%	Read review		Representative example: When you spend £1,200 at a purchase rate of 27.9% (variable) p.a., your representative rate is 27.9% APR (variable).	Compare	loading Fetching your data...
TSB Classic Credit Card Mastercard		Min. limit £500, max. limit not specified.	Not specified	0% for 5 months reverting to 27.95%	£0	27.9%	Read review		Representative example: When you spend £1,200 at a purchase rate of 27.95% (variable) p.a., your representative rate is 27.9% APR (variable).	Compare	loading Fetching your data...
Keebo credit card Finder Award		Min. limit £200, max. limit £5,000.	Not specified	27.98% p.a variable	£0	27.98%	Read review		Representative example: When you spend £1,200 at a purchase rate of 27.98% (variable) p.a., your representative rate is 27.98% APR (variable).	Compare	loading Fetching your data...
Bip Credit		Min. limit £250, max. limit not specified.	£5000	29.95%	£0	29.9%	Read review		Representative example: When you spend £1,200 at a purchase rate of 29.95% (variable) p.a., your representative rate is 29.9% APR (variable).	Compare	loading Fetching your data...
HSBC Classic Credit Card		Min. limit £250, max. limit £1,000.	£6800	29.9%	£0	29.9%	Read review	Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away.	Representative example: When you spend £1,000 at a purchase rate of 29.9% (variable) p.a., your representative rate is 29.9% APR (variable).	Compare	loading Fetching your data...
Marbles Card		Min. limit £250, max. limit £1,200.	Not specified	32.94%	£0	32.9%	Read review	You could get a credit limit increase after three months. Choose a monthly repayment date that suits you and change it up to twice a year.	Representative example: Assumed credit limit £1,200, representative 32.9% APR (variable), purchase rate 32.94% p.a. (variable). Please note: you can’t have two Marbles accounts or open a Marbles account within 12 months of opening an Aqua, Fluid or Opus account, issued by New Day	Compare	loading Fetching your data...
Aqua Classic Credit Card		Min. limit £250, max. limit £1,200.	Not specified	32.94%	£0	32.9%	Read review		Representative example: Assumed credit limit £1,200, representative 32.9% APR (variable), purchase rate 32.94% p.a. (variable). Please note: you can’t have two Aqua accounts or open an Aqua account within 12 months of opening a Marbles, Fluid or Opus account, issued by New Day	Compare	loading Fetching your data...
Barclaycard Forward Credit Card		Min. limit £50, max. limit £1,200.	£3000	0% for 3 months reverting to 33.9%	£0	33.9%	Read review	Buy tickets for up to 3500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive pre-sale tickets on selected festivals with 10% off ticket prices.	Representative example: When you spend £1,200 at a purchase rate of 33.9% (variable) p.a., your representative rate is 33.9% APR (variable).	Compare	loading Fetching your data...
118 118 Money Guaranteed Rate Card		Min. limit £500, max. limit not specified.	£8400	34%	£0	34%	Read review		Representative example: When you spend £1,200 at a purchase rate of 34% (variable) p.a., your representative rate is 34% APR (variable).	Compare	loading Fetching your data...
Wave Credit Card Mastercard		Min. limit £100, max. limit £1,750.	£12000	34.7%	£0	34.7%	Read review		Representative example: When you spend £1,200 at a purchase rate of 34.7% (variable) p.a., your representative rate is 34.7% APR (variable).	Compare	loading Fetching your data...
Fluid Credit Card		Min. limit £250, max. limit not specified.	£5000	34.94%	£0	34.9%	Read review		Representative example: When you spend £1,200 at a purchase rate of 34.94% (variable) p.a., your representative rate is 34.9% APR (variable).	Compare	loading Fetching your data...
Zable credit card		Min. limit £200, max. limit £1,500.	£9600	34.9%	£0	34.9%	Read review		Representative example: When you spend £1,200 at a purchase rate of 34.9% (variable) p.a., your representative rate is 34.9% APR (variable).	Compare	loading Fetching your data...
Aqua Advance credit card		Min. limit £250, max. limit £1,200.	£5000	34.95%	£0	34.9%	Read review	Reduce your rate over three years if you stay within your credit limit and pay on time. No extra fees on what you spend abroad.	Representative example: When you spend £1,200 at a purchase rate of 34.95% (variable) p.a., your representative rate is 34.9% APR (variable).	Compare	loading Fetching your data...
Aqua Classic Balance Transfer Card		Min. limit £250, max. limit £1,200.	Not specified	34.95%	£0	34.9%	Read review		Representative example: Assumed credit limit £1,200, representative 34.9% APR (variable), purchase rate 34.95% p.a. (variable). Please note: you can’t have two Aqua accounts or open an Aqua account within 12 months of opening a Marbles, Fluid or Opus account, issued by New Day	Compare	loading Fetching your data...

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Name	Product	Initial credit limits	Minimum income	Purchases	Annual/monthly fees	Representative APR	Link	Incentive	Representative example
M&S Bank Credit Card Rewards Offer Mastercard		Min. limit £500, max. limit not specified.	£6800	0% for 12 months reverting to 19.9%	£0	19.9%	Check eligibility Read review	Double points on spend in M&S for first year (2 points per £1). Then 1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.	Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
M&S Bank Shopping Plus Credit Card		Min. limit £500, max. limit not specified.	£6800	0% for 24 months reverting to 21.9%	£0	21.9%	Check eligibility Read review	Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.	Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
M&S Bank Credit Card Transfer Plus Offer Mastercard		Min. limit £500, max. limit not specified.	£6800	0% for 3 months reverting to 21.9%	£0	21.9%	Check eligibility Read review	1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.	Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
Santander All in One Credit Card		Min. limit £500, max. limit not specified.	£7500	0% for 23 months reverting to 18.9%	£3 per month	24.7%	Check eligibility Read review	0.5% cashback on all your eligible purchases, paid monthly into card account. Maximum spend for cashback purposes is limited to credit limit. Terms apply.	Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of £3 per month, your representative rate is 24.7% APR (variable).	Compare	loading Fetching your data...
The American Express Rewards® Credit Card Finder Award		Min. limit £500, max. limit not specified.	Not specified	26%	£0	26%	Check eligibility Read review	As a new Cardmember, earn 10,000 Membership Rewards® points when you spend £2,000 in your first 3 months of Cardmembership. Earn 1 point for every £1 spent thereafter.	Representative example: When you spend £1,200 at a purchase rate of 26% (variable) p.a., your representative rate is 26% APR (variable).	Compare	loading Fetching your data...
British Airways American Express® Credit Card Finder Award		Min. limit £700, max. limit not specified.	Not specified	26%	£0	26%	Check eligibility Read review	New Cardmember offer: Earn 5,000 bonus Avios when you spend £1,000 in your first 3 months of Cardmembership. Earn 1 Avios for virtually every £1 spent. Spend £12,000 annually and get a travel companion voucher when redeeming Avios for a BA reward flight. Terms Apply	Representative example: When you spend £1,200 at a purchase rate of 26% (variable) p.a., your representative rate is 26% APR (variable).	Compare	loading Fetching your data...
American Express® Platinum Cashback Everyday Credit Card Finder Award		Min. limit £700, max. limit not specified.	Not specified	26%	£0	26%	Check eligibility Read review	New cardmember offer: Get 5% cashback on your purchases (up to £100) for the first three months of Cardmembership. Terms apply. Spend £0 to £10,000 and receive 0.5% cashback on all purchases. Spend over £10,000 and receive 1% cashback on purchases.	Representative example: When you spend £1,200 at a purchase rate of 26% (variable) p.a., your representative rate is 26% APR (variable).	Compare	loading Fetching your data...
Royal Bank of Scotland Reward Credit Card (existing customers only)		Min. limit £250, max. limit not specified.	£10000	21.9%	£24 per annum. Reward or Reward Black Current Account holders: £0 per annum	26.8%	Check eligibility Read review	Earn 1% back at supermarkets and 0.25% back everywhere else, including supermarket petrol stations. At selected retailers, you could earn 1-15% back.	Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a. with a fee of £24 per annum. Reward or Reward Black Current Account holders: £0 per annum, your representative rate is 26.8% APR (variable).	Compare	loading Fetching your data...
NatWest Reward Credit Card (existing customers only)		Min. limit £250, max. limit not specified.	£10000	21.9%	£24 per annum. Reward or Reward Black Current Account holders: £0 per annum	26.8%	Check eligibility Read review	You'll earn 1% back at supermarkets and 0.25% back everywhere else, including supermarket petrol stations. At selected retailers, you could earn 1-15% back.	Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a. with a fee of £24 per annum. Reward or Reward Black Current Account holders: £0 per annum, your representative rate is 26.8% APR (variable).	Compare	loading Fetching your data...
American Express® Nectar Credit Card Finder Award		Min. limit £700, max. limit not specified.	Not specified	26%	Year 1 - £0, Year 2 onwards - £25 per annum	31.3%	Check eligibility Read review	Earn 20,000 bonus Nectar points when you spend £2,000 in your first 3 months. Earn a minimum of 3 Nectar points for virtually every £1 spent at Nectar partners, and 2 Nectar points for virtually every £1 spent elsewhere.	Representative example: When you spend £1,200 at a purchase rate of 26% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £25 per annum, your representative rate is 31.3% APR (variable).	Compare	loading Fetching your data...
American Express® Platinum Cashback Credit Card Finder Award		Min. limit £700, max. limit not specified.	Not specified	26%	£25 per annum	31.3%	Check eligibility Read review	New cardmember offer: Get 5% cashback on your purchases (up to £125) for the first three months of Cardmembership. Terms apply. Spend £0 to £10,000 and receive 0.75% cashback on all purchases. Spend over £10,000 and receive 1.25% cashback on purchases.	Representative example: When you spend £1,200 at a purchase rate of 26% (variable) p.a. with a fee of £25 per annum, your representative rate is 31.3% APR (variable).	Compare	loading Fetching your data...
Royal Bank of Scotland Reward Black Credit Card (existing customers only)		Min. limit £5,000, max. limit not specified.	£15000	21.9%	£84 per annum. Reward Black Current Account holders: £0 per annum	40.7%	Check eligibility Read review	Earn 1% back at supermarkets and 0.5% back everywhere else, including supermarket petrol stations. At selected retailers, you could earn 1-15% back.	Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a. with a fee of £84 per annum. Reward Black Current Account holders: £0 per annum, your representative rate is 40.7% APR (variable).	Compare	loading Fetching your data...
NatWest Reward Black Credit Card (existing customers only)		Min. limit £5,000, max. limit not specified.	£15000	21.9%	£84 per annum. Reward Black Current Account holders: £0 per annum	40.7%	Check eligibility Read review	You'll earn 1% back at supermarkets and 0.5% back everywhere else, including supermarket petrol stations. At selected retailers, you could earn 1-15% back.	Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a. with a fee of £84 per annum. Reward Black Current Account holders: £0 per annum, your representative rate is 40.7% APR (variable).	Compare	loading Fetching your data...
The Marriott Bonvoy American Express Card Finder Award		Min. limit £700, max. limit not specified.	Not specified	26%	£75 per annum	43.3%	Check eligibility Read review	New Cardmember offer: Earn 40,000 bonus Marriott Bonvoy points when you spend £3,000 in the first three months of Cardmembership. Offer ends 8 November 2022. Subject to Status. Terms apply.	Representative example: When you spend £1,200 at a purchase rate of 26% (variable) p.a. with a fee of £75 per annum, your representative rate is 43.3% APR (variable).	Compare	loading Fetching your data...
American Express® Preferred Rewards Gold Credit Card Finder Award		Min. limit £700, max. limit not specified.	Not specified	26%	Year 1 - £0, Year 2 onwards - £140 per annum	61.8%	Check eligibility Read review	New welcome offer: Earn 20,000 Membership Rewards points when you spend £3,000 in your first three months of Cardmembership. Terms Apply. 18+, subject to status.	Representative example: When you spend £1,200 at a purchase rate of 26% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £140 per annum, your representative rate is 61.8% APR (variable).	Compare	loading Fetching your data...
British Airways American Express® Premium Plus Card Finder Award		Min. limit £700, max. limit not specified.	Not specified	26%	£250 per annum	103.7%	Check eligibility Read review	Earn 25,000 bonus Avios when you spend £3,000 in your first 3 months of Cardmembership. New Cardmembers Only. Earn 3 Avios for per £1 spent directly with BA and 1.5 Avios per £1 spent elsewhere. Terms Apply	Representative example: When you spend £1,200 at a purchase rate of 26% (variable) p.a. with a fee of £250 per annum, your representative rate is 103.7% APR (variable).	Compare	loading Fetching your data...
Pulse Card Mastercard (existing NewDay customers only)		Min. limit not specified, max. limit not specified.	Not specified	Your interest rate will stay the same as your current NewDay card			Read review	Get 0.25% cashback every time you shop, up to a maximum of £150 cashback per year	If you are a current NewDay customer and have been invited to transfer to a Pulse Card, your interest rate and credit limit will remain the same.	Compare	loading Fetching your data...
Tesco Bank Low APR Card		Min. limit £250, max. limit not specified.	£5000	9.942%	£0	9.9%	Read review	1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco, must have available credit to earn points. Card can also be used as a Clubcard to collect standard points at 1 point per £1 spent on shopping and 1 point per £2 spent on fuel. Points are converted to Tesco vouchers which can be used towards shopping or exchanged for Partner Rewards.	Representative example: When you spend £1,200 at a purchase rate of 9.942% (variable) p.a., your representative rate is 9.9% APR (variable).	Compare	loading Fetching your data...
MBNA Limited Platinum Visa		Min. limit not specified, max. limit not specified.	£14000	12.94%	£0	12.9%	Read review	0.25% after £1 of yearly spend. Cashback paid January into Card Account. Earn 0.25% cashback on purchases within the first 36 months of account opening. Maximum spend for cashback purposes is limited to credit limit.	Representative example: When you spend £1,200 at a purchase rate of 12.94% (variable) p.a., your representative rate is 12.9% APR (variable).	Compare	loading Fetching your data...
The Co-operative Bank Members' Credit Card Visa		Min. limit £500, max. limit not specified.	£10000	18.2%	£0	18.2%	Read review	1p earned for every £2 spent in The Co-operative Food stores (excluding in-store concessions) and 1p earned for every £3.33 spent anywhere else. Cashback will be added to your share of the Group profits and this will be paid to you twice a year.	Representative example: When you spend £1,200 at a purchase rate of 18.2% (variable) p.a., your representative rate is 18.2% APR (variable).	Compare	loading Fetching your data...

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Sort by:

Name	Product	Initial credit limits	Minimum income	Purchases	Annual/monthly fees	Representative APR	Link	Incentive	Representative example
M&S Bank Shopping Plus Credit Card		Min. limit £500, max. limit not specified.	£6800	0% for 24 months reverting to 21.9%	£0	21.9%	Check eligibility Read review	Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.	Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
Santander All in One Credit Card		Min. limit £500, max. limit not specified.	£7500	0% for 23 months reverting to 18.9%	£3 per month	24.7%	Check eligibility Read review	0.5% cashback on all your eligible purchases, paid monthly into card account. Maximum spend for cashback purposes is limited to credit limit. Terms apply.	Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of £3 per month, your representative rate is 24.7% APR (variable).	Compare	loading Fetching your data...
Royal Bank of Scotland Purchase & Balance Transfer Credit Card (existing customers only)		Min. limit £250, max. limit not specified.	£10000	0% for 23 months reverting to 21.9%	£0	21.9%	Check eligibility Read review		Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
NatWest Purchase & Balance Transfer Credit Card (existing customers only)		Min. limit £250, max. limit not specified.	£10000	0% for 23 months reverting to 21.9%	£0	21.9%	Check eligibility Read review		Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
HSBC Purchase Plus Credit Card		Min. limit £500, max. limit not specified.	£6800	0% for 23 months reverting to 22.9%	£0	22.9%	Check eligibility Read review	Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away.	Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).	Compare	loading Fetching your data...
M&S Bank Credit Card Rewards Offer Mastercard		Min. limit £500, max. limit not specified.	£6800	0% for 12 months reverting to 19.9%	£0	19.9%	Check eligibility Read review	Double points on spend in M&S for first year (2 points per £1). Then 1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.	Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
HSBC Rewards Credit Card		Min. limit £500, max. limit not specified.	£6800	0% for 6 months reverting to 23.9%	£0	23.9%	Check eligibility Read review	Earn 1 point for every £5 spent on purchases. Bonus 2,500 reward points on anniversary if £10,000 spent in previous year.	Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).	Compare	loading Fetching your data...
Tesco Bank Clubcard Plus Credit Card Mastercard		Min. limit £100, max. limit not specified.	£5000	0% for 24 months reverting to 19.944%	£7.99 per month	37.7%	Read review	1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco, must have available credit to earn points. Card can also be used as a Clubcard to collect standard points at 1 point per £1 spent on shopping and 1 point per £2 spent on fuel. Points are converted to Tesco vouchers which can be used towards shopping or exchanged for Partner Rewards.	Representative example: When you spend £1,200 at a purchase rate of 19.944% (variable) p.a. with a fee of £7.99 per month, your representative rate is 37.7% APR (variable).	Compare	loading Fetching your data...
Sainsbury's Bank Dual 24 Month Offer Credit Card Mastercard		Min. limit not specified, max. limit not specified.	£10000	0% for 24 months reverting to 21.95%	£0	21.9%	Read review	Earn 3 Nectar points per £1 spent in Sainsbury's and Argos. Earn 1 Nectar point for every £5 spent elsewhere. Earn 500 bonus points each time you spend £35 or more on Sainsbury's shopping with your credit card, up to ten times in your first 2 months, offer available for new customers.	Representative example: When you spend £1,200 at a purchase rate of 21.95% (variable) p.a., your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
MBNA 0% Transfer and Purchase Credit Card		Min. limit not specified, max. limit not specified.	£14000	0% for 24 months reverting to 21.94%	£0	21.9%	Read review	Earn up to 15% cashback on purchases through Smart Rewards at popular retailers.	Representative example: When you spend £1,200 at a purchase rate of 21.94% (variable) p.a., your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
Barclaycard Platinum All-Rounder Visa		Min. limit £50, max. limit not specified.	£20000	0% for 24 months reverting to 22.9%	£0	22.9%	Read review	Buy tickets for up to 3500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive presale tickets on selected festivals with 10% off ticket prices.	Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).	Compare	loading Fetching your data...
Ulster Bank Purchase & Balance Transfer Credit Card Mastercard		Min. limit £350, max. limit not specified.	£10000	0% for 23 months reverting to 21.9%	£0	21.9%	Read review		Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
Tesco Bank Purchases Card		Min. limit £100, max. limit not specified.	£5000	0% for 23 months reverting to 21.94%	£0	21.9%	Read review	1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points.	Representative example: When you spend £1,200 at a purchase rate of 21.94% (variable) p.a., your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
Tesco Bank Clubcard Balance Transfer and Purchases Credit Card		Min. limit £100, max. limit not specified.	£5000	0% for 20 months reverting to 21.94%	£0	21.9%	Read review	1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco, must have available credit to earn points. Card can also be used as a Clubcard to collect standard points at 1 point per £1 spent on shopping and 1 point per £2 spent on fuel. Points are converted to Tesco vouchers which can be used towards shopping or exchanged for Partner Rewards.	Representative example: When you spend £1,200 at a purchase rate of 21.94% (variable) p.a., your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
Virgin Money 19 Month All Round Credit Card Mastercard		Min. limit not specified, max. limit not specified.	Not specified	0% for 19 months reverting to 22.9%	£0	22.9%	Read review	Enjoy exclusive offers and rewards on the Virgin Red app.	Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).	Compare	loading Fetching your data...
Santander World Elite Mastercard		Min. limit £2,000, max. limit not specified.	£7500	0% for 18 months reverting to 18.9%	£15 per month	49.8%	Read review	0.5% cashback on £1 to £3000 of monthly spend. Maximum of £15 cashback paid per month. Cashback paid monthly into card account.0.5% cashback on monthly spend of up to £3,000. Access to over 1 million Wi-Fi hotspots, no foreign transaction fees, discount on travel insurance.	Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of £15 per month, your representative rate is 49.8% APR (variable).	Compare	loading Fetching your data...
Lloyds Bank Platinum 0% Purchase and Balance Transfer Mastercard		Min. limit not specified, max. limit not specified.	Not specified	0% for 18 months reverting to 21.94%	£0	21.9%	Read review		Representative example: When you spend £1,200 at a purchase rate of 21.94% (variable) p.a., your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
Sainsbury's Bank Nectar Reward Credit Card		Min. limit not specified, max. limit not specified.	£10000	0% for 17 months reverting to 20.95%	£0	20.9%	Read review	Earn up to 3 Nectar points per £1 spent at Sainsbury's and Argos. Earn 1 Nectar point for every £5 spent elsewhere. Earn 8,000 bonus points when you use your card to spend a total of £400 or more at Sainsbury's, Argos, Habitat or Tu Clothing during the 2 months after your account is opened.	Representative example: When you spend £1,200 at a purchase rate of 20.95% (variable) p.a., your representative rate is 20.9% APR (variable).	Compare	loading Fetching your data...
Halifax 0% Purchase and Balance Transfer Mastercard		Min. limit not specified, max. limit not specified.	Not specified	0% for 17 months reverting to 21.94%	£0	21.9%	Read review		Representative example: When you spend £1,200 at a purchase rate of 21.94% (variable) p.a., your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
first direct Gold Credit Card		Min. limit £500, max. limit not specified.	£6800	0% for 17 months reverting to 16.9%	£0	16.9%	Read review		Representative example: When you spend £1,200 at a purchase rate of 16.9% (variable) p.a., your representative rate is 16.9% APR (variable).	Compare	loading Fetching your data...

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Name	Product	Initial credit limits	Minimum income	Purchases	Annual/monthly fees	Representative APR	Link	Incentive	Representative example
M&S Bank Credit Card Rewards Offer Mastercard		Min. limit £500, max. limit not specified.	£6800	0% for 12 months reverting to 19.9%	£0	19.9%	Check eligibility Read review	Double points on spend in M&S for first year (2 points per £1). Then 1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.	Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
M&S Bank Shopping Plus Credit Card		Min. limit £500, max. limit not specified.	£6800	0% for 24 months reverting to 21.9%	£0	21.9%	Check eligibility Read review	Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.	Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
The NatWest Balance Transfer Credit Card (existing customers only)		Min. limit £250, max. limit not specified.	£10000	0% for 3 months reverting to 21.9%	£0	21.9%	Check eligibility Read review		Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
HSBC Balance Transfer Credit Card		Min. limit £500, max. limit not specified.	£6800	0% for 3 months reverting to 21.9%	£0	21.9%	Check eligibility Read review	Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away.	Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
Royal Bank of Scotland Purchase & Balance Transfer Credit Card (existing customers only)		Min. limit £250, max. limit not specified.	£10000	0% for 23 months reverting to 21.9%	£0	21.9%	Check eligibility Read review		Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
NatWest Purchase & Balance Transfer Credit Card (existing customers only)		Min. limit £250, max. limit not specified.	£10000	0% for 23 months reverting to 21.9%	£0	21.9%	Check eligibility Read review		Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
Santander Everyday Long Term Balance Transfer Credit Card		Min. limit £500, max. limit not specified.	£7500	0% for 3 months reverting to 21.9%	£0	21.9%	Check eligibility Read review	Earn up to 15% cashback with your selected Retailer Offers at selected major retailers.	Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
M&S Bank Credit Card Transfer Plus Offer Mastercard		Min. limit £500, max. limit not specified.	£6800	0% for 3 months reverting to 21.9%	£0	21.9%	Check eligibility Read review	1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.	Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
Santander Everyday No Balance Transfer Fee Credit Card		Min. limit £500, max. limit not specified.	£7500	0% for 3 months reverting to 21.9%	£0	21.9%	Check eligibility Read review	Earn up to 15% cashback with your selected Retailer Offers at selected major retailers.	Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
Royal Bank of Scotland Balance Transfer Credit Card (existing customers only)		Min. limit £250, max. limit not specified.	£10000	0% for 3 months reverting to 21.9%	£0	21.9%	Check eligibility Read review		Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
HSBC No Fee Balance Transfer Credit Card Visa		Min. limit £500, max. limit not specified.	£6800	21.9%	£0	21.9%	Check eligibility Read review	Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away.	Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
HSBC Purchase Plus Credit Card		Min. limit £500, max. limit not specified.	£6800	0% for 23 months reverting to 22.9%	£0	22.9%	Check eligibility Read review	Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away.	Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).	Compare	loading Fetching your data...
Santander All in One Credit Card		Min. limit £500, max. limit not specified.	£7500	0% for 23 months reverting to 18.9%	£3 per month	24.7%	Check eligibility Read review	0.5% cashback on all your eligible purchases, paid monthly into card account. Maximum spend for cashback purposes is limited to credit limit. Terms apply.	Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of £3 per month, your representative rate is 24.7% APR (variable).	Compare	loading Fetching your data...
first direct Credit Card		Min. limit £500, max. limit not specified.	£6800	18.9%	£0	18.9%	Read review		Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).	Compare	loading Fetching your data...
Nationwide Member Credit Card All Rounder Offer		Min. limit £500, max. limit £15,000.	£5000	0% for 15 months reverting to 19.9%	£0	19.9%	Read review		Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
Nationwide Member Credit Card Balance Transfer Offer		Min. limit £500, max. limit £15,000.	£5000	0% for 3 months reverting to 19.9%	£0	19.9%	Read review		Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
The Co-operative Bank Balance Transfer Credit Card Visa		Min. limit £500, max. limit not specified.	£10000	0% for 4 months reverting to 20.6%	£0	20.6%	Read review		Representative example: When you spend £1,200 at a purchase rate of 20.6% (variable) p.a., your representative rate is 20.6% APR (variable).	Compare	loading Fetching your data...
Tesco Bank 15 Month All Round Clubcard Credit Card Mastercard		Min. limit £100, max. limit not specified.	£5000	0% for 15 months reverting to 20.94%	£0	20.9%	Read review	1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco, must have available credit to earn points. Card can also be used as a Clubcard to collect standard points at 1 point per £1 spent on shopping and 1 point per £2 spent on fuel. Points are converted to Tesco vouchers which can be used towards shopping or exchanged for Partner Rewards.	Representative example: When you spend £1,200 at a purchase rate of 20.94% (variable) p.a., your representative rate is 20.9% APR (variable).	Compare	loading Fetching your data...
Sainsbury's Bank Nectar Reward Credit Card		Min. limit not specified, max. limit not specified.	£10000	0% for 17 months reverting to 20.95%	£0	20.9%	Read review	Earn up to 3 Nectar points per £1 spent at Sainsbury's and Argos. Earn 1 Nectar point for every £5 spent elsewhere. Earn 8,000 bonus points when you use your card to spend a total of £400 or more at Sainsbury's, Argos, Habitat or Tu Clothing during the 2 months after your account is opened.	Representative example: When you spend £1,200 at a purchase rate of 20.95% (variable) p.a., your representative rate is 20.9% APR (variable).	Compare	loading Fetching your data...
Tesco Bank Clubcard Low Fee Balance Transfer Credit Card		Min. limit £100, max. limit not specified.	£5000	21.944%	£0	21.9%		1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco, must have available credit to earn points. Card can also be used as a Clubcard to collect standard points at 1 point per £1 spent on shopping and 1 point per £2 spent on fuel. Points are converted to Tesco vouchers which can be used towards shopping or exchanged for Partner Rewards.	Representative example: When you spend £1,200 at a purchase rate of 21.944% (variable) p.a., your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...

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What is a credit card for low income?

Low income credit cards are for people with low incomes, providing them with a line of credit they might not otherwise have access to. In the UK, income is just one of many factors that a card issuer will consider when you apply for a credit card. Credit card issuers will sometimes (but not always) explicitly state income requirements for a given card.

How does a card issuer determine if I qualify for a credit card?

Credit card issuers must only lend responsibly – that means running affordability checks and assessing each applicant’s circumstances to aim to ensure that any credit offered would be affordable, and wouldn’t have the potential to lead to serious debt problems.

In order to determine someone’s eligibility, the card issuer will weigh up several factors, like your credit score and history. As well as your regular income and outgoings, card issuers will want to look at your debt-to-income ratio – that’s your combined monthly debt payments in comparison to your monthly income.

Issuers will look at these and other factors when determining how much credit you can afford to service, and will then decide whether to offer a card, and will set your credit limit accordingly.

What should I look out for when comparing credit cards for low incomes?

• Annual/monthly account fees. High-end rewards cards often come with an annual fee. Naturally, you should look to avoid this.
• Interest rates. It’s possible you’ll pay a slightly higher-than-average rate if a card issuer deems you to represent higher risk. However, provided you clear your balance in full every month, most cards on the market won’t charge you interest at all – thanks to standard grace periods.
• Promotions. Plenty of cards come with introductory 0% interest periods that apply to balances transferred from other cards or to forthcoming purchases. However, the best of the deals can be harder to get approved for.
• Perks. The fact that you’re not Richard Branson doesn’t mean that your credit card can’t reward you. Some of the biggest supermarkets in the UK offer credit cards for low incomes that boost your loyalty points earnings, for example.
• Eligibility. Don’t apply for a card without researching your eligibility. Most issuers offer a soft-searching “eligibility checker” that’s quick and easy and doesn’t impact your credit score.

What about secured credit cards?

Secured credit cards are a big thing in the US, but much less so in the UK. These cards involve putting down a lump sum as security when you take out the card. Capital One has offered secured cards in the UK in the past.

Full guide to secured credit cards

Bottom line

If you’re on a low income, you could still be able to access credit as your income is not the only factor that lenders look at.

Just remember to compare your options from our table above and make sure you meet a lender’s criteria before applying.

Frequently asked questions

• What eligibility criteria do I have to meet to apply?

  As a minimum, you should be at least 18 years old, a permanent UK resident and be able to afford any credit you apply for. Each issuer will then have its own eligibility criteria.

• How quickly can I complete an application?

  If you wish to submit an online application and have the required information at hand, the process should take around 10 to 15 minutes, depending on the card provider.

• Do low income cards provide rewards?

  Realistically these cards tend to have less “frills”, but it is possible to collect loyalty points on all your spending with a number of low-income cards.