marbles Credit Card review 2021 | Finder UK

Marbles Mastercard review 2021

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If you have a limited or poor credit history, you could get more control of your finances with the marbles credit card. The card has a range of features designed to help you closely manage your finances and rebuild your credit history.

Finder rating: ★★★★★

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).


Minimum credit limit

Up to 56 days

Interest-free each billing period


Representative APR


Account fee


IssuerNewDay Ltd
Annual/monthly fees£0
Balance transfers34.95%
Balance transfer fee3% (min. £3)
Purchases interest-free periodUp to 56 days
Cash advances39.94%
Min credit limit£250
Max credit limitNot specified

Expert review

Chris Lilly

Review by

Chris Lilly is a publisher at He's a specialist in credit-based products including business and personal loans, mortgages and credit cards, and is passionate about helping UK consumers make informed decisions about their borrowing. In his spare time Chris likes forcing his kids to exercise more.

Expert review

marbles is part of NewDay, which also owns credit card companies aqua and Opus. NewDay was launched in 2001 with the aim of providing finance to customers with a poor or no credit history. As part of the Mastercard network, the marbles credit card is accepted in more than 35 million locations worldwide.

It has a more lenient application process than most credit cards and a maximum credit limit of £1,200. However, any balance that you carry from month-to-month will accrue interest at the card’s standard rate, which, not to put too fine a point on it, is high. As such, this card might be best used as a “stepping stone” product while you build your credit in order to access financial products with better terms.

Like the vast majority of credit-builder cards, this credit card doesn’t come with any introductory offers on purchases or balance transfers, however, by using the card responsibly you will start to build a positive credit history, which could unlock better deals in the future.

The Marbles Mastercard is issued on the Mastercard network so it's accepted at nearly 53 million merchants across more than 210 countries and territories.


Build your credit history while you save with LOQBOX

  • Save from £20 to £200 a month
  • Build and improve your credit history
  • Once you’ve finished unlock your savings

What benefits can I get with a marbles credit card?

  • Rebuild your credit rating. By successfully making payments off your card every month, in full if you are able to, you can improve your credit rating. You can choose a payment date to suit you (you can make up to two changes a year) and receive spend and payment text alerts to help you closely manage your finances.
  • Soft searching. With the marbles FastCheck eligibility checker, you can find out if you would be accepted for a card without leaving a mark on your credit file. You will be given a response instantly.
  • Online account management. View transactions, manage payments and track your balance whenever and wherever you want through the marbles website.
  • Global usage. marbles uses the Mastercard network, meaning you can use your card in more than 35 million locations worldwide.
  • Security. Have peace of mind when shopping online with Mastercard SecureCode.
  • Contactless payments. marbles credit cards are enabled for contactless payments of up to £45.

How does it compare?

Marbles' card

Data updated daily
Name Product Annual/monthly fees Min credit limit Max credit limit Minimum income Rep. APR Incentive Link
Marbles Mastercard
Not specified
Not specified
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).
More Info

Compare up to 4 providers

Other popular credit builders

Table: sorted by representative APR, promoted deals first
Data updated daily
Name Product Annual/monthly fees Min credit limit Max credit limit Minimum income Rep. APR Incentive Link
TSB Classic Credit Card Mastercard
Not specified
Not specified
Representative example: When you spend £1,200 at a purchase rate of 26.95% (variable) p.a., your representative rate is 26.9% APR (variable).
More Info
Tesco Bank Foundation Card
Subject to status
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).
More Info
Vanquis Bank Chrome Credit Card
Subject to status: £1,500
Not specified
Representative example: When you spend £250 at a purchase rate of 29.5% (variable) p.a., your representative rate is 29.5% APR (variable).
More Info
Vanquis Bank Aquis Visa
Subject to status: £1,000
Not specified
You could get a credit limit increase after your 5th statement and further increases every 5 months, up to £4,000.
Representative example: When you spend £1,000 at a purchase rate of 29.84% (variable) p.a., your representative rate is 29.8% APR (variable).
More Info

Compare up to 4 providers

Approval for any credit card will depend on your status. The APR shown represents the interest rate offered to most successful applicants. Depending on your personal circumstances the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.

Pros and cons


  • FastCheck eligibility tool available that won't harm your credit rating.
  • Applications accepted from customers with limited or poor credit history (although not from anyone with a County Court Judgement against their name).
  • No annual or monthly fees.


  • Higher interest rates.
  • Fees charged for late payment or for exceeding your credit limit.

Repayment options

You can make manual repayments through Marbles' app, by logging in to your online banking or over the phone (0333 220 2692). Alternatively you may wish to set up a direct debit.

A direct debit protects you from forgetting to make a repayment and damaging your credit score – making it harder and more expensive to borrow money in the future – and getting hit with a penalty fee (£12) as a result.

You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.

Choose from the following direct debit options for your monthly repayments:

Minimum amount Fixed amount Fixed percentage Full amount

How to apply

It’s worth using the online FastCheck eligibility checker to see if you will be accepted before you apply for a card. This process does not leave a footprint on your credit file that other lenders would be able to see, and it won’t affect your credit score. You’ll need to provide:

  • Your full name, address and date of birth.
  • Your length of residence at your current address.
  • Your employment status and annual salary.

You will receive an instant response. If the answer is that you are likely to be accepted for a card, you can then fill out the online application form.

Eligibility requirements

To be eligible for a marbles credit card, you must:

  • Be at least 18 years old.
  • Be resident in the UK.

Why might your application not be approved?

marbles does accept customers with a less than perfect credit history. However, if you are in an IVA, have had a CCJ or are currently bankrupt, you are unlikely to be approved for a card.

Our verdict

As with most credit-builder cards, the marbles credit card can be a limited, but useful, option for those trying to boost their credit score or improve their credit rating.

While it offers no real perks, it’s more than suitable as a “stepping stone” card for those with limited credit history. Since it’s interest rates are high for any balances not paid in full each month, you might want to use a credit card like this to gain some flexibility in your finances just until your credit report improves. Hopefully, at this point, you might be able to access other products with improved terms.

After a few months of careful use, you could use an eligibility checker to see if you’re likely to get approved for a broader selection of deals.

Frequently asked questions

What happens if I go over my marbles card's credit limit?

marbles will send you a text alert if you're getting close to your credit limit. If you go over your credit limit at any time during the month you will be charged a fee. This will appear on your next statement. You will also lose any promotional rates applicable to your account at that time.

Can I use my marbles credit card abroad?

With Mastercard, your marbles credit card is accepted in over 35 million places and 600,000 cash points around the world. If you use your marbles card abroad, you'll pay a non-sterling transaction fee each time. If you withdraw cash abroad, you will also pay a cash fee. These fees will be shown on the front of your statement together with the exchange rate.

What happens if I lose my marbles credit card while I am abroad?

As soon as you realise that your card is missing, you should telephone marbles immediately and they will arrange for the card to be blocked and for a replacement card to be issued.

Can I increase or decrease my marbles card's credit limit?

Once you have successfully made three monthly payments towards your card balance you may be eligible for a credit limit increase. However, please be aware that credit cards are not the cheapest form of borrowing over longer periods. You are in danger of increasing your debt if you do not pay off your credit card in full each month. You can decrease your credit limit at any time by calling marbles customer services.

Finder credit card ratings

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Our experts score credit builder credit cards to determine their value against similar products on the market. We look at a number of important factors, like interest rates, credit limits, features to help you track your credit, plus the potential costs involved with running the card both in the short and longer term.

You can read more about our scoring criteria on our credit card methodology page.

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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