{"id":58216,"date":"2017-11-16T12:19:30","date_gmt":"2017-11-16T12:19:30","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?page_id=58216"},"modified":"2026-02-13T09:05:03","modified_gmt":"2026-02-13T09:05:03","slug":"credit-builder-credit-cards","status":"publish","type":"page","link":"https:\/\/www.finder.com\/uk\/credit-cards\/credit-builder-credit-cards","title":{"rendered":"Compare credit builder cards"},"content":{"rendered":"

Approval for any credit card depends on your status. The representative APRs shown represent 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. Most of the data in Finder's comparison tables is provided by Defaqto.<\/p><\/div><\/article>

If you have poor credit, you\u2019re likely to find it harder to borrow money, whether that\u2019s through a mortgage, personal loan or a credit card. The reason for this is that lenders use your credit score to determine how reliable you are as a borrower. If your credit score is poor, it suggests that you\u2019ve had problems repaying debt in the past, meaning that lenders might be reluctant to offer you credit again. <\/p>

The good news is that there\u2019s a whole market dedicated to credit cards for those with less-than-perfect credit records. This guide explains how they work, what to watch out for and to compare current credit builder cards on the market<\/p>

What is a credit builder card?<\/h3>

A credit builder card is a credit card that\u2019s specifically designed for people whose credit score<\/a> is low or average, either because they haven\u2019t managed their finances well in the past or because they don\u2019t have much of a credit history<\/p>

If you\u2019ve never borrowed before, there won\u2019t be much on your credit file, which can make it difficult for lenders to determine your creditworthiness. This means they might be more reluctant to offer you credit or, if they do, you might be offered higher rates.<\/p>

In this situation, a credit builder credit card <\/a> will help you to build a credit history from scratch.<\/p>

Credit builder credit cards typically have a more lenient eligibility criteria, making them easier to get accepted for. But because of this, they often have lower credit limits and higher interest rates so that providers reduce their risk. Like all credit cards, they need to be used with care.<\/p>

Some card issuers like Vanquis<\/a> and Aqua<\/a> specialise in credit builder cards, and offer a whole range of cards for this market, while the big household names like Barclaycard<\/a> or Tesco Bank<\/a> are more likely to have just the one credit builder card in their range.<\/p>

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