{"id":183285,"date":"2019-03-29T13:29:44","date_gmt":"2019-03-29T13:29:44","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?page_id=183285"},"modified":"2026-01-29T03:56:01","modified_gmt":"2026-01-29T03:56:01","slug":"low-income-credit-cards","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/credit-cards\/low-income-credit-cards","title":{"rendered":"How low income credit cards work"},"content":{"rendered":"<h3 id=\"guide\">What is a credit card for low income?<\/h3><p>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.<\/p><h3>How does a card issuer determine if I qualify for a credit card?<\/h3><p>Credit card issuers must only lend <em>responsibly<\/em> \u2013 that means running affordability checks and assessing each applicant&#8217;s circumstances to aim to ensure that any credit offered would be affordable, and wouldn&#8217;t have the potential to lead to serious debt problems.<\/p><p>In order to determine someone&#8217;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 \u2013 that&#8217;s your combined monthly debt payments in comparison to your monthly income.<\/p><p>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.<\/p><h3>What should I look out for when comparing credit cards for low incomes?<\/h3><ul class=\"list-10\"><li><strong>Annual\/monthly account fees.<\/strong> High-end rewards cards often come with an annual fee. Naturally, you should look to avoid this.<\/li><li><strong>Interest rates.<\/strong> It&#8217;s possible you&#8217;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&#8217;t charge you interest at all \u2013 thanks to standard <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/what-does-up-to-55-days-interest-free-really-mean\">grace periods<\/a>.<\/li><li><strong>Promotions.<\/strong> 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.<\/li><li><strong>Perks.<\/strong> The fact that you&#8217;re not Richard Branson doesn&#8217;t mean that your credit card can&#8217;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.<\/li><li><strong>Eligibility.<\/strong> Don&#8217;t apply for a card without researching your eligibility. Most issuers offer a soft-searching &#8220;eligibility checker&#8221; that&#8217;s quick and easy and doesn&#8217;t impact your credit score.<\/li><\/ul><h3>What about secured credit cards?<\/h3><p>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. <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/capital-one\">Capital One<\/a> has offered secured cards in the UK in the past.<\/p><p><a class=\"more-link-arrow\" href=\"https:\/\/www.finder.com\/uk\/credit-cards\/credit-builder-credit-cards\/secured-credit-cards\"><strong>Full guide to secured credit cards<\/strong><\/a><\/p><h3>Bottom line<\/h3><p>If you&#8217;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. <\/p><p>Just remember to compare your options from our table above and make sure you meet a lender&#8217;s criteria before applying.  <\/p><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">What eligibility criteria do I have to meet to apply?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\">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.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">How quickly can I complete an application?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\">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.<\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Do low income cards provide rewards?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Realistically these cards tend to have less &#8220;frills&#8221;, but it is possible to collect loyalty points on all your spending with a number of low-income cards.<\/div>\n  <\/div>\n<\/li><\/ul><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">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 <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. 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. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Learn how to qualify for low income credit cards that suit your financial needs, and improve your chance of approval when applying for a new card.<\/p>\n","protected":false},"author":195,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[2112],"tags":[],"asset_tag":[],"class_list":["post-183285","post","type-post","status-publish","format-standard","hentry","category-credit-cards"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - 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