{"id":340247,"date":"2020-11-04T11:39:39","date_gmt":"2020-11-04T11:39:39","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=340247"},"modified":"2026-02-12T07:47:10","modified_gmt":"2026-02-12T07:47:10","slug":"best-first-credit-cards","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/credit-cards\/best-first-credit-cards","title":{"rendered":"Best first-time credit cards for beginners"},"content":{"rendered":"<div id=\"picks\">\n<style>\n.newpicks.topPicksF1 .topPicks__card { border: 2px solid #232320; border-radius: 1rem; -webkit-box-shadow: 4px 6px 0 0 #232320; box-shadow: 4px 6px 0 0 #232320; margin-right: 4px; }\n.pickfor { line-height: 20px; box-sizing: border-box; display: flex; flex-direction: column; justify-content: center; background-color: #e5f7ff; border-radius: 0.9rem 0.9rem 0 0; min-height: 58px; }\n.pickpros, .gxfcydsc { font-size: 14.75px; letter-spacing: -0.1px; line-height: 21px; }\n.topPicks__card { overflow: visible !important; }\n.topPicks__card figure.award { padding-bottom: 20px; margin: -3px auto 3px auto; }\n.topPicks__card span.gx-badge__body { box-sizing: border-box !important; }\n.topPicks__card figure.noward { padding: 10px; }\n.newpicks.flex { display: flex; flex-wrap: nowrap; overflow: auto; }\n.newpicks .flex-item { flex: 0 0 auto; margin-right: 10px !important;  width: calc((100% - 20px) \/ 3) !important; max-width: 280px; }\n.topPicks__optionalLabel span.table-popover::before { margin: 0px 0px -2px 2px; }\n.topPicks__card .text-small.dsclmr { font-size: 16px; letter-spacing: -.28px; }\n@media only screen and (min-width: 960px) { .newpicks { -webkit-box-pack: center; -webkit-justify-content: center; -ms-flex-pack: center; justify-content: center; } }\n@media only screen and (max-width: 960px) { .newpicks .flex-item { min-width: 270px; } }\n.newpicks .pick { line-height: 1.4em; min-height: 3.3em; }\n.newpicks .flex-item article { border-radius: 0.7em; }\n.standardMasthead.standardMasthead--widget, .standardMasthead__widgetSection { display: block !important }.newpicks .topPicks__optionalLabel { font-weight: 600; padding: 0.5em 0.65em 0.6em; width: auto; font-size: 0.875rem; line-height: 17px; margin-top: 0px !important; }\n<\/style>\n\n\n\n\n\n\n<div id=\"toppicks\" class=\"newpicks impression__toppicks-container u-grid u-grid--alignStretch u-grid--gutterCollapse flex has-padding-top-xsmall topPicksF1\" data-count-items=\"3\">\n\n\n\n\n\n\n\n\n\n<div class=\"u-grid__col flex-item has-margin-bottom-small\">\n<article class=\"luna-card luna-card--stretch luna-card--shadow topPicks__card\">\n<div class=\"pickfor text-center has-padding-xsmall u-font--bold u-italic\">\nPromoted for credit building<\/div>\n<div class=\"luna-card__block luna-card__topPick text-center\">\n<figure class=\"luna-card__figure noward\">\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/635967d4a7543.png\" class=\"topPicks__image\" alt=\"Barclaycard Forward Credit Card logo\" width=\"128\" height=\"80\" style=\"height: 80px !important; max-width: none; display: block; margin: auto;\" srcset=\"https:\/\/www.finder.com\/niche-builder\/635967d4a7543.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/635967d4a7543.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/635967d4a7543.png?fit=384 384w\" sizes=\"(max-width: 384px) 100vw, 384px\" loading=\"lazy\">\n<\/figure>\n<div class=\"pick has-padding-top-xsmall text-small fin-text-grey weight-semi-bold\">Barclaycard Forward Credit Card<\/div>\n\n    <a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/credit-cards\/barclaycardforward-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22665a6351-fe9c-4ce7-bce9-53d174c09f27%22%2C%22product_name%22%3A%22Barclaycard%2BForward%2BCredit%2BCard%22%2C%22offer_id%22%3A%2226083%22%2C%22decorator%22%3A%22UKCCF.PRODUCT.CTA_UKCCF_READ_REVIEW%22%2C%22niche_code%22%3A%22UKCCF%22%2C%22post_id%22%3A%22340247%22%2C%22post_path%22%3A%22credit-cards%252Fbest-first-credit-cards%22%2C%22post_country%22%3A%22uk%22%2C%22partial%22%3A%7B%22id%22%3A486358%2C%22name%22%3A%22ukfin-masthead-top-picks%22%2C%22country%22%3A%22uk%22%7D%7D\" class=\"luna-button luna-button--success luna-button--fluid has-margin-top-xsmall has-margin-bottom-xsmall\" style=\"border-radius: 18px;\" title=\"Go to site\">Check eligibility<\/a>\n\n\n<div class=\"has-padding-bottom-small text-small dsclmr\">33.9% APR representative variable<\/div>\n\n<div class=\"ukfin_offrpll\">\n<\/div>\n\n<div class=\"has-margin-bottom-xsmall text-left pickpros\">\n<svg class=\"luna-icon luna-icon--primary luna-icon--small\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"21\" viewbox=\"0 0 20 21\"><path d=\"M10.0007 1.23193C4.93804 1.23193 0.833984 5.33599 0.833984 10.3986C0.833984 15.4612 4.93804 19.5653 10.0007 19.5653C15.0633 19.5653 19.1673 15.4612 19.1673 10.3986C19.1673 5.33599 15.0633 1.23193 10.0007 1.23193Z\" fill=\"#1DD751\"><\/path><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M13.0886 8.14398C13.414 8.46942 13.414 8.99705 13.0886 9.32249L9.75527 12.6558C9.42983 12.9813 8.9022 12.9813 8.57676 12.6558L6.91009 10.9892C6.58466 10.6637 6.58466 10.1361 6.91009 9.81065C7.23553 9.48521 7.76317 9.48521 8.0886 9.81065L9.16602 10.8881L11.9101 8.14398C12.2355 7.81854 12.7632 7.81854 13.0886 8.14398Z\" fill=\"white\"><\/path><\/svg> Scheduled rate reductions<br><svg class=\"luna-icon luna-icon--primary luna-icon--small\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"21\" viewbox=\"0 0 20 21\"><path d=\"M10.0007 1.23193C4.93804 1.23193 0.833984 5.33599 0.833984 10.3986C0.833984 15.4612 4.93804 19.5653 10.0007 19.5653C15.0633 19.5653 19.1673 15.4612 19.1673 10.3986C19.1673 5.33599 15.0633 1.23193 10.0007 1.23193Z\" fill=\"#1DD751\"><\/path><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M13.0886 8.14398C13.414 8.46942 13.414 8.99705 13.0886 9.32249L9.75527 12.6558C9.42983 12.9813 8.9022 12.9813 8.57676 12.6558L6.91009 10.9892C6.58466 10.6637 6.58466 10.1361 6.91009 9.81065C7.23553 9.48521 7.76317 9.48521 8.0886 9.81065L9.16602 10.8881L11.9101 8.14398C12.2355 7.81854 12.7632 7.81854 13.0886 8.14398Z\" fill=\"white\"><\/path><\/svg> Interest-free for 3 months<br><svg class=\"luna-icon luna-icon--primary luna-icon--small\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"21\" viewbox=\"0 0 20 21\"><path d=\"M10.0007 1.23193C4.93804 1.23193 0.833984 5.33599 0.833984 10.3986C0.833984 15.4612 4.93804 19.5653 10.0007 19.5653C15.0633 19.5653 19.1673 15.4612 19.1673 10.3986C19.1673 5.33599 15.0633 1.23193 10.0007 1.23193Z\" fill=\"#1DD751\"><\/path><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M13.0886 8.14398C13.414 8.46942 13.414 8.99705 13.0886 9.32249L9.75527 12.6558C9.42983 12.9813 8.9022 12.9813 8.57676 12.6558L6.91009 10.9892C6.58466 10.6637 6.58466 10.1361 6.91009 9.81065C7.23553 9.48521 7.76317 9.48521 8.0886 9.81065L9.16602 10.8881L11.9101 8.14398C12.2355 7.81854 12.7632 7.81854 13.0886 8.14398Z\" fill=\"white\"><\/path><\/svg> Text and email alerts<\/div>\n<\/div>\n<\/article>\n<\/div>\n\n\n\n\n\n\n\n\n\n<div class=\"u-grid__col flex-item has-margin-bottom-small\">\n<article class=\"luna-card luna-card--stretch luna-card--shadow topPicks__card\">\n<div class=\"pickfor text-center has-padding-xsmall u-font--bold u-italic\">\nBest for no annual fee rewards<\/div>\n<div class=\"luna-card__block luna-card__topPick text-center\">\n<figure class=\"luna-card__figure noward\">\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/66e194e62ca89.png\" class=\"topPicks__image\" alt=\"M&amp;S Bank Rewards Credit Card logo\" width=\"128\" height=\"80\" style=\"height: 80px !important; max-width: none; display: block; margin: auto;\" srcset=\"https:\/\/www.finder.com\/niche-builder\/66e194e62ca89.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/66e194e62ca89.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/66e194e62ca89.png?fit=384 384w\" sizes=\"(max-width: 384px) 100vw, 384px\" loading=\"lazy\">\n<\/figure>\n<div class=\"pick has-padding-top-xsmall text-small fin-text-grey weight-semi-bold\">M&amp;S Bank Rewards Credit Card<\/div>\n\n    <div class=\"has-margin-top-xsmall\"><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/marks-and-spencer\/ms-bank-shopping-plus-mastercard\" target=\"_blank\" class=\"luna-button luna-button--success luna-button--fluid has-margin-top-xsmall has-margin-bottom-xsmall\" style=\"border-radius: 18px;\">Read review<\/a><\/div>\n\n\n<div class=\"has-padding-bottom-small text-small dsclmr\">23.9% APR representative variable<\/div>\n\n<div class=\"ukfin_offrpll\">\n<\/div>\n\n<div class=\"has-margin-bottom-xsmall text-left pickpros\">\n<svg class=\"luna-icon luna-icon--primary luna-icon--small\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"21\" viewbox=\"0 0 20 21\"><path d=\"M10.0007 1.23193C4.93804 1.23193 0.833984 5.33599 0.833984 10.3986C0.833984 15.4612 4.93804 19.5653 10.0007 19.5653C15.0633 19.5653 19.1673 15.4612 19.1673 10.3986C19.1673 5.33599 15.0633 1.23193 10.0007 1.23193Z\" fill=\"#1DD751\"><\/path><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M13.0886 8.14398C13.414 8.46942 13.414 8.99705 13.0886 9.32249L9.75527 12.6558C9.42983 12.9813 8.9022 12.9813 8.57676 12.6558L6.91009 10.9892C6.58466 10.6637 6.58466 10.1361 6.91009 9.81065C7.23553 9.48521 7.76317 9.48521 8.0886 9.81065L9.16602 10.8881L11.9101 8.14398C12.2355 7.81854 12.7632 7.81854 13.0886 8.14398Z\" fill=\"white\"><\/path><\/svg> 0% on balance transfers for 9 months<br><svg class=\"luna-icon luna-icon--primary luna-icon--small\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"21\" viewbox=\"0 0 20 21\"><path d=\"M10.0007 1.23193C4.93804 1.23193 0.833984 5.33599 0.833984 10.3986C0.833984 15.4612 4.93804 19.5653 10.0007 19.5653C15.0633 19.5653 19.1673 15.4612 19.1673 10.3986C19.1673 5.33599 15.0633 1.23193 10.0007 1.23193Z\" fill=\"#1DD751\"><\/path><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M13.0886 8.14398C13.414 8.46942 13.414 8.99705 13.0886 9.32249L9.75527 12.6558C9.42983 12.9813 8.9022 12.9813 8.57676 12.6558L6.91009 10.9892C6.58466 10.6637 6.58466 10.1361 6.91009 9.81065C7.23553 9.48521 7.76317 9.48521 8.0886 9.81065L9.16602 10.8881L11.9101 8.14398C12.2355 7.81854 12.7632 7.81854 13.0886 8.14398Z\" fill=\"white\"><\/path><\/svg> 0% on purchases for  months<br><svg class=\"luna-icon luna-icon--primary luna-icon--small\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"21\" viewbox=\"0 0 20 21\"><path d=\"M10.0007 1.23193C4.93804 1.23193 0.833984 5.33599 0.833984 10.3986C0.833984 15.4612 4.93804 19.5653 10.0007 19.5653C15.0633 19.5653 19.1673 15.4612 19.1673 10.3986C19.1673 5.33599 15.0633 1.23193 10.0007 1.23193Z\" fill=\"#1DD751\"><\/path><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M13.0886 8.14398C13.414 8.46942 13.414 8.99705 13.0886 9.32249L9.75527 12.6558C9.42983 12.9813 8.9022 12.9813 8.57676 12.6558L6.91009 10.9892C6.58466 10.6637 6.58466 10.1361 6.91009 9.81065C7.23553 9.48521 7.76317 9.48521 8.0886 9.81065L9.16602 10.8881L11.9101 8.14398C12.2355 7.81854 12.7632 7.81854 13.0886 8.14398Z\" fill=\"white\"><\/path><\/svg> No annual fee<\/div>\n<\/div>\n<\/article>\n<\/div>\n\n\n\n\n\n\n\n\n\n<div class=\"u-grid__col flex-item has-margin-bottom-small\" style=\"margin-right: 0px !important;\">\n<article class=\"luna-card luna-card--stretch luna-card--shadow topPicks__card\">\n<div class=\"pickfor text-center has-padding-xsmall u-font--bold u-italic\">\nBest for money-saving perks<\/div>\n<div class=\"luna-card__block luna-card__topPick text-center\">\n<figure class=\"luna-card__figure award\">\n<img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/67bf1b90e750a.png\" class=\"topPicks__image\" alt=\"Tesco Bank Foundation Credit Card logo\" width=\"128\" height=\"80\" style=\"height: 80px !important; max-width: none; display: block; margin: auto;\" srcset=\"https:\/\/www.finder.com\/niche-builder\/67bf1b90e750a.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/67bf1b90e750a.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/67bf1b90e750a.png?fit=384 384w\" sizes=\"(max-width: 384px) 100vw, 384px\" loading=\"lazy\">\n<\/figure>\n \n<span style=\"height: 0px; display: flex; justify-content: center; margin: -23px auto 23px;\"><span class=\"gx-badge__body awards-badge__body hasPopover no-margin-right\" style=\"min-height: 18px;\" rel=\"popover\" data-content='Tesco was highly commended in the &lt;a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/finder-credit-cards-customer-satisfaction-awards-2024\"&gt; Finder Credit Cards Customer Satisfaction Awards 2024&lt;\/a&gt;.' data-html=\"true\" data-original-title=\"\" title=\"\">Finder Award<\/span><\/span>\n<div class=\"pick has-padding-top-xsmall text-small fin-text-grey weight-semi-bold\">Tesco Bank Foundation Credit Card<\/div>\n\n    <div class=\"has-margin-top-xsmall\"><a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/tesco-bank\/tesco-bank-foundation-clubcard-credit-card\" target=\"_blank\" class=\"luna-button luna-button--success luna-button--fluid has-margin-top-xsmall has-margin-bottom-xsmall\" style=\"border-radius: 18px;\">Read review<\/a><\/div>\n\n\n<div class=\"has-padding-bottom-small text-small dsclmr\">29.9% APR representative variable<\/div>\n\n<div class=\"ukfin_offrpll\">\n<\/div>\n\n<div class=\"has-margin-bottom-xsmall text-left pickpros\">\n<svg class=\"luna-icon luna-icon--primary luna-icon--small\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"21\" viewbox=\"0 0 20 21\"><path d=\"M10.0007 1.23193C4.93804 1.23193 0.833984 5.33599 0.833984 10.3986C0.833984 15.4612 4.93804 19.5653 10.0007 19.5653C15.0633 19.5653 19.1673 15.4612 19.1673 10.3986C19.1673 5.33599 15.0633 1.23193 10.0007 1.23193Z\" fill=\"#1DD751\"><\/path><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M13.0886 8.14398C13.414 8.46942 13.414 8.99705 13.0886 9.32249L9.75527 12.6558C9.42983 12.9813 8.9022 12.9813 8.57676 12.6558L6.91009 10.9892C6.58466 10.6637 6.58466 10.1361 6.91009 9.81065C7.23553 9.48521 7.76317 9.48521 8.0886 9.81065L9.16602 10.8881L11.9101 8.14398C12.2355 7.81854 12.7632 7.81854 13.0886 8.14398Z\" fill=\"white\"><\/path><\/svg> Offers a rewards scheme<br><svg class=\"luna-icon luna-icon--primary luna-icon--small\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"21\" viewbox=\"0 0 20 21\"><path d=\"M10.0007 1.23193C4.93804 1.23193 0.833984 5.33599 0.833984 10.3986C0.833984 15.4612 4.93804 19.5653 10.0007 19.5653C15.0633 19.5653 19.1673 15.4612 19.1673 10.3986C19.1673 5.33599 15.0633 1.23193 10.0007 1.23193Z\" fill=\"#1DD751\"><\/path><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M13.0886 8.14398C13.414 8.46942 13.414 8.99705 13.0886 9.32249L9.75527 12.6558C9.42983 12.9813 8.9022 12.9813 8.57676 12.6558L6.91009 10.9892C6.58466 10.6637 6.58466 10.1361 6.91009 9.81065C7.23553 9.48521 7.76317 9.48521 8.0886 9.81065L9.16602 10.8881L11.9101 8.14398C12.2355 7.81854 12.7632 7.81854 13.0886 8.14398Z\" fill=\"white\"><\/path><\/svg> Access to your credit report and score<br><svg class=\"luna-icon luna-icon--primary luna-icon--small\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"21\" viewbox=\"0 0 20 21\"><path d=\"M10.0007 1.23193C4.93804 1.23193 0.833984 5.33599 0.833984 10.3986C0.833984 15.4612 4.93804 19.5653 10.0007 19.5653C15.0633 19.5653 19.1673 15.4612 19.1673 10.3986C19.1673 5.33599 15.0633 1.23193 10.0007 1.23193Z\" fill=\"#1DD751\"><\/path><path fill-rule=\"evenodd\" clip-rule=\"evenodd\" d=\"M13.0886 8.14398C13.414 8.46942 13.414 8.99705 13.0886 9.32249L9.75527 12.6558C9.42983 12.9813 8.9022 12.9813 8.57676 12.6558L6.91009 10.9892C6.58466 10.6637 6.58466 10.1361 6.91009 9.81065C7.23553 9.48521 7.76317 9.48521 8.0886 9.81065L9.16602 10.8881L11.9101 8.14398C12.2355 7.81854 12.7632 7.81854 13.0886 8.14398Z\" fill=\"white\"><\/path><\/svg> Handy text and email alerts<\/div>\n<\/div>\n<\/article>\n<\/div>\n\n\n<\/div>\n\n\n<\/div><div id=\"toppicks-methodology\" class=\"topPicksMethodology--shortcode luna-accordionGroup accordionGroup\">\n\t<div class=\"luna-accordion\" data-accordion=\"accordion\">\n\t\t<div class=\"luna-accordion__summary\">\n\t\t\t<h4 class=\"luna-accordion__heading\">\n\t\t\t\t<button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"methodology-expander-0000000000\" data-toggle=\"collapse\" data-target=\"#methodology-expander-0000000000\">\n\t\t\t\t\t<span class=\"luna-accordion__title\">How we chose these cards<\/span>\n\t\t\t\t\t<svg class=\"luna-icon topPicksMethodology__toggleIcon\" aria-hidden=\"true\">\n\t\t\t\t\t\t<use xlink:href=\"#chevron-down\" data-toggle-icon=\"show\" class=\"topPicksMethodology__toggleIcon-down\"><\/use>\n\t\t\t\t\t\t<use xlink:href=\"#chevron-up\" data-toggle-icon=\"hide\" class=\"topPicksMethodology__toggleIcon-up is-hidden\"><\/use>\n\t\t\t\t\t<\/svg>\n\t\t\t\t<\/button>\n\t\t\t<\/h4>\n\t\t<\/div>\n\t\t<div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"methodology-expander-0000000000\" data-accordion=\"details\" style=\"height: 0px;\">\n\t\t\t<div class=\"accordionContent\">The cards shown above are promoted picks, which means they\u2019ve been chosen from among the partners we work with and are based on factors that include special features or offers and the commission we receive. In our <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\">credit cards comparison table<\/a>, you can compare the full range of cards we cover on our site. Keep in mind that our promoted picks may not always be the best fit for your situation \u2013 it\u2019s important to compare for yourself and find a card that works for you.<\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div>\n<h3>What is the best first credit card?<\/h3><p>There are a bunch of different credit cards, so finding the best card for you depends on what benefits you\u2019re seeking. Do you want to <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/rewards-credit-cards\">earn reward points<\/a> or cashback on purchases, or are you just looking for a card to <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/0-purchase-credit-cards\">cover everyday purchases<\/a>? If you\u2019re a student, you may instead want to consider a dedicated <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/student-credit-cards\">student credit card<\/a>.<\/p><p>If you\u2019ve never had a credit card, your options might be slim, as the best credit cards are reserved for those with good credit history. But there are still a number of cards you could get approved for.<\/p><h3>Pros and cons of getting a credit card<\/h3><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li>Helps you build your credit score.<\/li>\n                                    <li>Lets you spread the cost of purchases.<\/li>\n                                    <li>Consumer protection on purchases.<\/li>\n                                    <li>You can earn rewards.<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li>Temptation to overspend.<\/li>\n                                    <li>Missed or late payments can hurt your credit score.<\/li>\n                                    <li>Can be hard to get a credit card with no credit history.<\/li>\n                                    <li>Additional fees, such as cash advance fees or balance transfer fees, may apply.<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<h3>Rewards credit card<\/h3><p>A rewards credit card gives you the benefits of a normal credit card, as well as making your spending go further in the form of reward points. It\u2019s worth watching for rewards cards with a generous introductory offer 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.<\/p><article class=\"luna-card luna-card--border\" style=\"border-radius: 0.5em;\">\r\n<div class=\"luna-card__block\">\r\n  \r\n<div class=\"has-margin-bottom\">\r\n<p style=\"font-size: 20px; font-weight: 600; margin-bottom: 0px;\">Barclaycard Forward Credit Card<\/p>\r\n<\/div>\r\n\r\n\r\n      \r\n<div class=\"u-grid u-grid--alignTop\">\r\n \r\n<div class=\"u-grid__col u-1\/4@s no-padding-bottom\">\r\n<center><img decoding=\"async\" data-src=\"https:\/\/www.finder.com\/niche-builder\/635967d4a7543.png\" class=\"lazy-load has-margin-bottom-xxsmall\" alt=\"Barclaycard Forward Credit Card\" src=\"https:\/\/www.finder.com\/niche-builder\/635967d4a7543.png\" style=\"width: 100%; max-width: 220px; \" srcset=\"https:\/\/www.finder.com\/niche-builder\/635967d4a7543.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/635967d4a7543.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/635967d4a7543.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/635967d4a7543.png?fit=660 660w\" sizes=\"(max-width: 660px) 100vw, 660px\" loading=\"lazy\"><\/center>      \r\n\r\n<center><p style=\"margin-bottom: 5px\"><span class=\"has-margin-bottom-xxsmall\"><span class=\"has-padding-right-xxsmall has-padding-left-xxsmall\">Finder score<\/span><span class=\"luna-stars luna-stars__fill--76 luna-stars--primary\">\u2605\u2605\u2605\u2605\u2605<\/span> <span class=\"table-popover\" rel=\"popover\" data-content=\"Our experts rated key aspects of the product. For full details, see our &lt;a href='https:\/\/www.finder.com\/uk\/methodology-for-rating-credit-cards'&gt;methodology&lt;\/a&gt;.\" title=\"\" data-original-title=\"More info\" tabindex=\"0\"><\/span><\/span><\/p><\/center>\r\n\r\n\r\n<center><p style=\"margin-bottom: 5px\"><span class=\"has-margin-bottom-xxsmall\"><span class=\"has-padding-right-xxsmall has-padding-left-xxsmall\">Customer score<\/span><span class=\"luna-stars luna-stars__fill--0 luna-stars--yellow\">\u2605\u2605\u2605\u2605\u2605<\/span> <span class=\"table-popover\" rel=\"popover\" data-content=\"Our experts rated key aspects of the product. For full details, see our &lt;a href='https:\/\/www.finder.com\/uk\/methodology-for-rating-credit-cards'&gt;methodology&lt;\/a&gt;.\" title=\"\" data-original-title=\"More info\" tabindex=\"0\"><\/span><\/span><\/p><\/center>\r\n\r\n<a class=\"luna-button luna-button--success luna-button--fluid has-margin-top-xsmall\" href=\"https:\/\/www.finder.com\/redirect\/uk\/credit-cards\/barclaycardforward-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%22665a6351-fe9c-4ce7-bce9-53d174c09f27%22%2C%22product_name%22%3A%22Barclaycard%2BForward%2BCredit%2BCard%22%2C%22offer_id%22%3A%2226083%22%2C%22decorator%22%3A%22UKCCF.PRODUCT.UKCCF_BEST_HERO%22%2C%22niche_code%22%3A%22UKCCF%22%2C%22post_id%22%3A%22340247%22%2C%22post_path%22%3A%22credit-cards%252Fbest-first-credit-cards%22%2C%22post_country%22%3A%22uk%22%7D\" target=\"_blank\" rel=\"sponsored\" style=\"margin-top: .5rem; border-radius: 7px;\" type=\"button\"><span>Go to site<\/span><\/a>\r\n<a class=\"luna-button luna-button--action luna-button--fluid has-margin-top-xsmall\" href=\"https:\/\/www.finder.com\/uk\/credit-cards\/barclaycard\/barclaycard-forward-credit-card\" role=\"button\" style=\"border-radius: 7px;\">Read review<\/a>\r\n<\/div>\r\n\r\n\r\n\r\n<div class=\"u-grid__col u-3\/4@s no-padding-bottom\">\r\n  \r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n<div class=\"u-grid u-grid--gutterSmall text-center has-margin-bottom-small has-padding-top-xsmall\">\r\n\r\n\r\n<div class=\"u-grid__col u-1\/4@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n\r\n\r\n<p class=\"fin-text-dark-blue text-xxx-large no-margin-bottom\" style=\"font-weight: 900;\">33.9<span class=\"text-xx-small\" style=\"font-weight: normal\">%<\/span><\/p>\r\n<p class=\"fin-text-grey text-x-small\">Representative APR<\/p>\r\n\r\n<\/div>\r\n\r\n<div class=\"u-grid__col u-1\/4@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n\r\n\r\n<p class=\"fin-text-dark-blue text-xxx-large no-margin-bottom\" style=\"font-weight: 900;\"><span class=\"text-xx-small\" style=\"font-weight: normal\">\u00a3<\/span>0<\/p>\r\n<p class=\"fin-text-grey text-x-small\">Account fee<\/p>\r\n\r\n<\/div>\r\n\r\n<div class=\"u-grid__col u-1\/4@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n\r\n\r\n<p class=\"fin-text-dark-blue text-xxx-large no-margin-bottom\" style=\"font-weight: 900;\">6<span class=\"text-xx-small\" style=\"font-weight: normal\"> months<\/span><\/p>\r\n<p class=\"fin-text-grey text-x-small\">0% interest on balance transfers<\/p>\r\n\r\n<\/div>\r\n\r\n<div class=\"u-grid__col u-1\/4@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n\r\n\r\n<p class=\"fin-text-dark-blue text-xxx-large no-margin-bottom\" style=\"font-weight: 900;\">6<span class=\"text-xx-small\" style=\"font-weight: normal\"> months<\/span><\/p>\r\n<p class=\"fin-text-grey text-x-small\">0% interest on purchases<\/p>\r\n\r\n<\/div>\r\n\r\n<\/div>\r\n          \r\n\r\n\t\t\t\r\n<div class=\"has-overflow-auto luna-tabs\" style=\"margin: 0rem;\">\r\n  \r\n<ul class=\"luna-tabs__list\">\r\n<li class=\"active luna-tab\">\r\n<a class=\"luna-tab__action\" href=\"#pb-tabname0-665a6351-fe9c-4ce7-bce9-53d174c09f27\" data-toggle=\"tab\">Overview<\/a>\r\n<\/li>\r\n<li class=\"luna-tab\">\r\n<a class=\"luna-tab__action\" href=\"#pb-tabname1-665a6351-fe9c-4ce7-bce9-53d174c09f27\" data-toggle=\"tab\">Pros &amp; cons<\/a>\r\n<\/li>\r\n<li class=\"luna-tab\">\r\n<a class=\"luna-tab__action\" href=\"#pb-tabname2-665a6351-fe9c-4ce7-bce9-53d174c09f27\" data-toggle=\"tab\">Details<\/a>\r\n<\/li>    \r\n<\/ul>\r\n            \r\n<div class=\"tab-content\">\r\n\r\n\t\t\t\t\t\r\n<div class=\"tab-pane active\" id=\"pb-tabname0-665a6351-fe9c-4ce7-bce9-53d174c09f27\">\r\n<div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default has-padding-top-xsmall\">\r\nIf you're new to credit cards or aiming to boost your credit score, the Forward card is an excellent option, provided you handle it responsibly. Stick to your credit limit, set up automatic payments to clear your full balance monthly and avoid cash withdrawals.\r\n<\/div>\r\n<\/div>\r\n\r\n\r\n\t\t\t\t\t\t\r\n <div class=\"tab-pane\" id=\"pb-tabname1-665a6351-fe9c-4ce7-bce9-53d174c09f27\">\r\n<div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n<div class=\"has-padding-xsmall\"><\/div>\r\n<div class=\"u-grid u-grid--gutterCollapse\" style=\"margin: 0px;\">\r\n<div class=\"u-grid__col u-1\/2@m\">\r\n\r\n<ul class=\"list-4\">\r\n\r\n<li>No annual fee<\/li>\r\n\r\n<li>\r\n\r\n<li>0% on purchases for 3 months<\/li>\r\n\r\n<li>\r\n\r\n<li>Exclusive discounts and pre-sale tickets for selected live events<\/li>\r\n\r\n<\/ul>\r\n\r\n<\/div>\r\n\r\n<div class=\"u-grid__col u-1\/2@m\">\r\n\r\n<ul class=\"list-13\">\r\n\r\n<li>Relatively high standard rate, as expected with a credit building credit card<\/li>\r\n\r\n<li>\r\n\r\n<li>A personalised credit limit that is likely to start low<\/li>\r\n\r\n<\/ul>\r\n\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n                       \r\n\r\n\t\t\t\t\t\t\r\n<div class=\"tab-pane\" id=\"pb-tabname2-665a6351-fe9c-4ce7-bce9-53d174c09f27\">\r\n<div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n<table class=\"luna-table\" style=\"border: 0px;\">\r\n<tbody class=\"luna-table__body\">\r\n\r\n\r\n<tr>\r\n<th>Availability<\/th>\r\n<td>Available to new customers<\/td>\r\n<\/tr>\r\n\r\n\r\n\r\n<tr>\r\n<th>Residency<\/th>\r\n<td>UK resident for at least two years<\/td>\r\n<\/tr>\r\n\r\n\r\n\r\n<tr>\r\n<th>Min. income<\/th>\r\n<td>0<\/td>\r\n<\/tr>\r\n\r\n\r\n\r\n<tr>\r\n<th>Foreign usage charge (EU)<\/th>\r\n<td>2.99%<\/td>\r\n<\/tr>\r\n\r\n\r\n\r\n<tr>\r\n<th>Cash advance fee<\/th>\r\n<td>2.99<\/td>\r\n<\/tr>\r\n\r\n\r\n<\/tbody>\r\n<\/table>\r\n<\/div>\r\n<\/div>\r\n                              \r\n<\/div> \r\n\r\n<\/div>\r\n  \r\n<\/div>\r\n<div class=\"has-padding-xsmall\">Representative example: Representative 33.9% APR variable. Based on assumed borrowing of \u00a31,200. Rate of interest 33.9% p.a. (variable).<\/div>\r\n<\/div>\r\n  \r\n<\/div>\r\n<\/article><h3>O% purchase credit card<\/h3><p>If you plan 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.<\/p><article class=\"luna-card luna-card--border\" style=\"border-radius: 0.5em;\">\r\n<div class=\"luna-card__block\">\r\n  \r\n<div class=\"has-margin-bottom\">\r\n<p style=\"font-size: 20px; font-weight: 600; margin-bottom: 0px;\">M&amp;S Bank Rewards Credit Card<\/p>\r\n<\/div>\r\n\r\n\r\n      \r\n<div class=\"u-grid u-grid--alignTop\">\r\n \r\n<div class=\"u-grid__col u-1\/4@s no-padding-bottom\">\r\n<center><img decoding=\"async\" data-src=\"https:\/\/www.finder.com\/niche-builder\/66e194e62ca89.png\" class=\"lazy-load has-margin-bottom-xxsmall\" alt=\"M&amp;S Bank Rewards Credit Card\" src=\"https:\/\/www.finder.com\/niche-builder\/66e194e62ca89.png\" style=\"width: 100%; max-width: 220px; \" srcset=\"https:\/\/www.finder.com\/niche-builder\/66e194e62ca89.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/66e194e62ca89.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/66e194e62ca89.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/66e194e62ca89.png?fit=660 660w\" sizes=\"(max-width: 660px) 100vw, 660px\" loading=\"lazy\"><\/center>      \r\n\r\n<center><p style=\"margin-bottom: 5px\"><span class=\"has-margin-bottom-xxsmall\"><span class=\"has-padding-right-xxsmall has-padding-left-xxsmall\">Finder score<\/span><span class=\"luna-stars luna-stars__fill--82 luna-stars--primary\">\u2605\u2605\u2605\u2605\u2605<\/span> <span class=\"table-popover\" rel=\"popover\" data-content=\"Our experts rated key aspects of the product. For full details, see our &lt;a href='https:\/\/www.finder.com\/uk\/methodology-for-rating-credit-cards'&gt;methodology&lt;\/a&gt;.\" title=\"\" data-original-title=\"More info\" tabindex=\"0\"><\/span><\/span><\/p><\/center>\r\n\r\n\r\n<center><p style=\"margin-bottom: 5px\"><span class=\"has-margin-bottom-xxsmall\"><span class=\"has-padding-right-xxsmall has-padding-left-xxsmall\">Customer score<\/span><span class=\"luna-stars luna-stars__fill--0 luna-stars--yellow\">\u2605\u2605\u2605\u2605\u2605<\/span> <span class=\"table-popover\" rel=\"popover\" data-content=\"Our experts rated key aspects of the product. For full details, see our &lt;a href='https:\/\/www.finder.com\/uk\/methodology-for-rating-credit-cards'&gt;methodology&lt;\/a&gt;.\" title=\"\" data-original-title=\"More info\" tabindex=\"0\"><\/span><\/span><\/p><\/center>\r\n\r\n\r\n<a class=\"luna-button luna-button--action luna-button--fluid has-margin-top-xsmall\" href=\"https:\/\/www.finder.com\/uk\/credit-cards\/marks-and-spencer\/ms-bank-shopping-plus-mastercard\" role=\"button\" style=\"border-radius: 7px;\">Read review<\/a>\r\n<\/div>\r\n\r\n\r\n\r\n<div class=\"u-grid__col u-3\/4@s no-padding-bottom\">\r\n  \r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n<div class=\"u-grid u-grid--gutterSmall text-center has-margin-bottom-small has-padding-top-xsmall\">\r\n\r\n\r\n<div class=\"u-grid__col u-1\/4@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n\r\n\r\n<p class=\"fin-text-dark-blue text-xxx-large no-margin-bottom\" style=\"font-weight: 900;\">23.9<span class=\"text-xx-small\" style=\"font-weight: normal\">%<\/span><\/p>\r\n<p class=\"fin-text-grey text-x-small\">Representative APR<\/p>\r\n\r\n<\/div>\r\n\r\n<div class=\"u-grid__col u-1\/4@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n\r\n\r\n<p class=\"fin-text-dark-blue text-xxx-large no-margin-bottom\" style=\"font-weight: 900;\"><span class=\"text-xx-small\" style=\"font-weight: normal\">\u00a3<\/span>0<\/p>\r\n<p class=\"fin-text-grey text-x-small\">Account fee<\/p>\r\n\r\n<\/div>\r\n\r\n<div class=\"u-grid__col u-1\/4@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n\r\n\r\n \r\n<p class=\"fin-text-dark-blue text-xxx-large no-margin-bottom\" style=\"font-weight: 900;\">1<span class=\"text-xx-small\" style=\"font-weight: normal\"> point<\/span><\/p>\r\n<p class=\"fin-text-grey text-x-small\">per \u00a35 spent<\/p>  \r\n\r\n\r\n<\/div>\r\n\r\n<div class=\"u-grid__col u-1\/4@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n\r\n\r\n \r\n<p class=\"fin-text-dark-blue text-xxx-large no-margin-bottom\" style=\"font-weight: 900;\">1<span class=\"text-xx-small\" style=\"font-weight: normal\"> point<\/span><\/p>\r\n<p class=\"fin-text-grey text-x-small\">per \u00a31 spent with select partners<\/p>  \r\n\r\n\r\n<\/div>\r\n\r\n<\/div>\r\n          \r\n\r\n\t\t\t\r\n<div class=\"has-overflow-auto luna-tabs\" style=\"margin: 0rem;\">\r\n  \r\n<ul class=\"luna-tabs__list\">\r\n<li class=\"active luna-tab\">\r\n<a class=\"luna-tab__action\" href=\"#pb-tabname0-6f8eeeb3-f89c-40b7-a8dc-1ebca575c246\" data-toggle=\"tab\">Overview<\/a>\r\n<\/li>\r\n<li class=\"luna-tab\">\r\n<a class=\"luna-tab__action\" href=\"#pb-tabname1-6f8eeeb3-f89c-40b7-a8dc-1ebca575c246\" data-toggle=\"tab\">Pros &amp; cons<\/a>\r\n<\/li>\r\n<li class=\"luna-tab\">\r\n<a class=\"luna-tab__action\" href=\"#pb-tabname2-6f8eeeb3-f89c-40b7-a8dc-1ebca575c246\" data-toggle=\"tab\">Details<\/a>\r\n<\/li>    \r\n<\/ul>\r\n            \r\n<div class=\"tab-content\">\r\n\r\n\t\t\t\t\t\r\n<div class=\"tab-pane active\" id=\"pb-tabname0-6f8eeeb3-f89c-40b7-a8dc-1ebca575c246\">\r\n<div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default has-padding-top-xsmall\">\r\nWith a generous 0% purchase and balance transfer period, as well as a simple rewards scheme and no annual fee, the M&amp;S Bank Shopping Plus Mastercard is a good option for first-time credit card customers.\r\n<\/div>\r\n<\/div>\r\n\r\n\r\n\t\t\t\t\t\t\r\n <div class=\"tab-pane\" id=\"pb-tabname1-6f8eeeb3-f89c-40b7-a8dc-1ebca575c246\">\r\n<div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n<div class=\"has-padding-xsmall\"><\/div>\r\n<div class=\"u-grid u-grid--gutterCollapse\" style=\"margin: 0px;\">\r\n<div class=\"u-grid__col u-1\/2@m\">\r\n\r\n<ul class=\"list-4\">\r\n\r\n<li>No annual fee<\/li>\r\n\r\n<li>Earn points on spending<\/li>\r\n\r\n<li>0% purchase and balance transfer period<\/li>\r\n\r\n<li>Competitive regular purchase rate<\/li>\r\n\r\n<\/ul>\r\n\r\n<\/div>\r\n\r\n<div class=\"u-grid__col u-1\/2@m\">\r\n\r\n<ul class=\"list-13\">\r\n\r\n<li>You\u2019ll need to be an M&amp;S devotee to get the most out of this card<\/li>\r\n\r\n<li>Late payment fees apply<\/li>\r\n\r\n<li>Foreign usage charges apply if you use this card abroad<\/li>\r\n\r\n<\/ul>\r\n\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n                       \r\n\r\n\t\t\t\t\t\t\r\n<div class=\"tab-pane\" id=\"pb-tabname2-6f8eeeb3-f89c-40b7-a8dc-1ebca575c246\">\r\n<div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n<table class=\"luna-table\" style=\"border: 0px;\">\r\n<tbody class=\"luna-table__body\">\r\n\r\n\r\n<tr>\r\n<th>Availability<\/th>\r\n<td>Available to new customers<\/td>\r\n<\/tr>\r\n\r\n\r\n\r\n\r\n\r\n<tr>\r\n<th>Min. income<\/th>\r\n<td>0<\/td>\r\n<\/tr>\r\n\r\n\r\n\r\n<tr>\r\n<th>Foreign usage charge (EU)<\/th>\r\n<td>2.99%<\/td>\r\n<\/tr>\r\n\r\n\r\n\r\n<tr>\r\n<th>Cash advance fee<\/th>\r\n<td>2.99<\/td>\r\n<\/tr>\r\n\r\n\r\n<\/tbody>\r\n<\/table>\r\n<\/div>\r\n<\/div>\r\n                              \r\n<\/div> \r\n\r\n<\/div>\r\n  \r\n<\/div>\r\n<div class=\"has-padding-xsmall\">Representative example: Representative 23.9% APR variable. Based on assumed borrowing of \u00a31,200. Rate of interest 23.9% p.a. (variable).<\/div>\r\n<\/div>\r\n  \r\n<\/div>\r\n<\/article><h3>Credit card with no credit history<\/h3><p>If you have limited credit history, you\u2019ll likely find that your credit card options are also limited. <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/credit-builder-credit-cards\">Credit builder credit cards<\/a> are often a good first choice for those who don\u2019t 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 the future.<\/p><p>However, as they\u2019re aimed at those with limited credit history, credit builder cards often have higher APRs (annualised percentage rate) than other cards, which means it\u2019s important to pay off your balance in full each month. If you don\u2019t, you could end up paying a lot in interest payments.<\/p><article class=\"luna-card luna-card--border\" style=\"border-radius: 0.5em;\">\r\n<div class=\"luna-card__block\">\r\n  \r\n<div class=\"has-margin-bottom\">\r\n<p style=\"font-size: 20px; font-weight: 600; margin-bottom: 0px;\">Tesco Bank Foundation Credit Card<\/p>\r\n<\/div>\r\n\r\n\r\n      \r\n<div class=\"u-grid u-grid--alignTop\">\r\n \r\n<div class=\"u-grid__col u-1\/4@s no-padding-bottom\">\r\n<center><img decoding=\"async\" data-src=\"https:\/\/www.finder.com\/niche-builder\/67bf1b90e750a.png\" class=\"lazy-load has-margin-bottom-xxsmall\" alt=\"Tesco Bank Foundation Credit Card\" src=\"https:\/\/www.finder.com\/niche-builder\/67bf1b90e750a.png\" style=\"width: 100%; max-width: 220px; \" srcset=\"https:\/\/www.finder.com\/niche-builder\/67bf1b90e750a.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/67bf1b90e750a.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/67bf1b90e750a.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/67bf1b90e750a.png?fit=660 660w\" sizes=\"(max-width: 660px) 100vw, 660px\" loading=\"lazy\"><\/center>      \r\n\r\n<center><p style=\"margin-bottom: 5px\"><span class=\"has-margin-bottom-xxsmall\"><span class=\"has-padding-right-xxsmall has-padding-left-xxsmall\">Finder score<\/span><span class=\"luna-stars luna-stars__fill--78 luna-stars--primary\">\u2605\u2605\u2605\u2605\u2605<\/span> <span class=\"table-popover\" rel=\"popover\" data-content=\"Our experts rated key aspects of the product. For full details, see our &lt;a href='https:\/\/www.finder.com\/uk\/methodology-for-rating-credit-cards'&gt;methodology&lt;\/a&gt;.\" title=\"\" data-original-title=\"More info\" tabindex=\"0\"><\/span><\/span><\/p><\/center>\r\n\r\n\r\n<center><p style=\"margin-bottom: 5px\"><span class=\"has-margin-bottom-xxsmall\"><span class=\"has-padding-right-xxsmall has-padding-left-xxsmall\">Customer score<\/span><span class=\"luna-stars luna-stars__fill--0 luna-stars--yellow\">\u2605\u2605\u2605\u2605\u2605<\/span> <span class=\"table-popover\" rel=\"popover\" data-content=\"Our experts rated key aspects of the product. For full details, see our &lt;a href='https:\/\/www.finder.com\/uk\/methodology-for-rating-credit-cards'&gt;methodology&lt;\/a&gt;.\" title=\"\" data-original-title=\"More info\" tabindex=\"0\"><\/span><\/span><\/p><\/center>\r\n\r\n\r\n<a class=\"luna-button luna-button--action luna-button--fluid has-margin-top-xsmall\" href=\"https:\/\/www.finder.com\/uk\/credit-cards\/tesco-bank\/tesco-bank-foundation-clubcard-credit-card\" role=\"button\" style=\"border-radius: 7px;\">Read review<\/a>\r\n<\/div>\r\n\r\n\r\n\r\n<div class=\"u-grid__col u-3\/4@s no-padding-bottom\">\r\n  \r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n<div class=\"u-grid u-grid--gutterSmall text-center has-margin-bottom-small has-padding-top-xsmall\">\r\n\r\n\r\n<div class=\"u-grid__col u-1\/4@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n\r\n\r\n<p class=\"fin-text-dark-blue text-xxx-large no-margin-bottom\" style=\"font-weight: 900;\">29.9<span class=\"text-xx-small\" style=\"font-weight: normal\">%<\/span><\/p>\r\n<p class=\"fin-text-grey text-x-small\">Representative APR<\/p>\r\n\r\n<\/div>\r\n\r\n<div class=\"u-grid__col u-1\/4@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n\r\n\r\n<p class=\"fin-text-dark-blue text-xxx-large no-margin-bottom\" style=\"font-weight: 900;\"><span class=\"text-xx-small\" style=\"font-weight: normal\">\u00a3<\/span>0<\/p>\r\n<p class=\"fin-text-grey text-x-small\">Account fee<\/p>\r\n\r\n<\/div>\r\n\r\n<div class=\"u-grid__col u-1\/4@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n\r\n\r\n \r\n<p class=\"fin-text-dark-blue text-xxx-large no-margin-bottom\" style=\"font-weight: 900;\">1<span class=\"text-xx-small\" style=\"font-weight: normal\"> point<\/span><\/p>\r\n<p class=\"fin-text-grey text-x-small\">per \u00a38 spent<\/p>  \r\n\r\n\r\n<\/div>\r\n\r\n<div class=\"u-grid__col u-1\/4@m u-1\/2\" style=\"padding-bottom: 0px;\">\r\n\r\n\r\n\r\n<p class=\"fin-text-dark-blue text-xxx-large no-margin-bottom\" style=\"font-weight: 900;\">1.25<span class=\"text-xx-small\" style=\"font-weight: normal\"> points<\/span><\/p>\r\n<p class=\"fin-text-grey text-x-small\">per \u00a31 spent with select partners<\/p>\r\n\r\n\r\n<\/div>\r\n\r\n<\/div>\r\n          \r\n\r\n\t\t\t\r\n<div class=\"has-overflow-auto luna-tabs\" style=\"margin: 0rem;\">\r\n  \r\n<ul class=\"luna-tabs__list\">\r\n<li class=\"active luna-tab\">\r\n<a class=\"luna-tab__action\" href=\"#pb-tabname0-3885c1cf-8012-4b2d-91a4-79e8ade24af7\" data-toggle=\"tab\">Overview<\/a>\r\n<\/li>\r\n<li class=\"luna-tab\">\r\n<a class=\"luna-tab__action\" href=\"#pb-tabname1-3885c1cf-8012-4b2d-91a4-79e8ade24af7\" data-toggle=\"tab\">Pros &amp; cons<\/a>\r\n<\/li>\r\n<li class=\"luna-tab\">\r\n<a class=\"luna-tab__action\" href=\"#pb-tabname2-3885c1cf-8012-4b2d-91a4-79e8ade24af7\" data-toggle=\"tab\">Details<\/a>\r\n<\/li>    \r\n<\/ul>\r\n            \r\n<div class=\"tab-content\">\r\n\r\n\t\t\t\t\t\r\n<div class=\"tab-pane active\" id=\"pb-tabname0-3885c1cf-8012-4b2d-91a4-79e8ade24af7\">\r\n<div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default has-padding-top-xsmall\">\r\nThe Tesco Foundations credit card can help you build your credit score while also earning Clubcard points on your spending, without having to pay an annual fee.\r\n<\/div>\r\n<\/div>\r\n\r\n\r\n\t\t\t\t\t\t\r\n <div class=\"tab-pane\" id=\"pb-tabname1-3885c1cf-8012-4b2d-91a4-79e8ade24af7\">\r\n<div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n<div class=\"has-padding-xsmall\"><\/div>\r\n<div class=\"u-grid u-grid--gutterCollapse\" style=\"margin: 0px;\">\r\n<div class=\"u-grid__col u-1\/2@m\">\r\n\r\n<ul class=\"list-4\">\r\n\r\n<li>No annual fee<\/li>\r\n\r\n<li>\r\n\r\n<li>Lets you earn Clubcard points<\/li>\r\n\r\n<\/ul>\r\n\r\n<\/div>\r\n\r\n<div class=\"u-grid__col u-1\/2@m\">\r\n\r\n<ul class=\"list-13\">\r\n\r\n<li>Earn rate isn't the best<\/li>\r\n\r\n<li>\r\n\r\n<li>Rates are on the higher side<\/li>\r\n\r\n<\/ul>\r\n\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n                       \r\n\r\n\t\t\t\t\t\t\r\n<div class=\"tab-pane\" id=\"pb-tabname2-3885c1cf-8012-4b2d-91a4-79e8ade24af7\">\r\n<div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n<table class=\"luna-table\" style=\"border: 0px;\">\r\n<tbody class=\"luna-table__body\">\r\n\r\n\r\n<tr>\r\n<th>Availability<\/th>\r\n<td>Available to new customers<\/td>\r\n<\/tr>\r\n\r\n\r\n\r\n<tr>\r\n<th>Residency<\/th>\r\n<td>UK residents<\/td>\r\n<\/tr>\r\n\r\n\r\n\r\n<tr>\r\n<th>Min. income<\/th>\r\n<td>5000<\/td>\r\n<\/tr>\r\n\r\n\r\n\r\n<tr>\r\n<th>Foreign usage charge (EU)<\/th>\r\n<td>2.75%<\/td>\r\n<\/tr>\r\n\r\n\r\n\r\n<tr>\r\n<th>Cash advance fee<\/th>\r\n<td>3.99<\/td>\r\n<\/tr>\r\n\r\n\r\n<\/tbody>\r\n<\/table>\r\n<\/div>\r\n<\/div>\r\n                              \r\n<\/div> \r\n\r\n<\/div>\r\n  \r\n<\/div>\r\n<div class=\"has-padding-xsmall\">Representative example: Representative 29.9% APR variable. Based on assumed borrowing of \u00a31,200. Rate of interest 29.9% p.a. (variable).<\/div>\r\n<\/div>\r\n  \r\n<\/div>\r\n<\/article><p><a class=\"more-link-arrow\" href=\"https:\/\/www.finder.com\/uk\/credit-cards\/credit-card-info-for-dummies-beginners-and-first-timers\"><strong>The complete beginner\u2019s guide to credit cards<\/strong><\/a><\/p><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block\"><h3>How to choose your first credit card<\/h3><ol><li><strong>Look for cards with no annual or ongoing fees.<\/strong><br>If you\u2019re taking out a credit card for the first time, it\u2019s best to try and limit your costs as much as possible. If your card has an annual fee, you\u2019ll need to pay it regardless of how little you use your card. You should also beware of fees for things like foreign transactions and late payments.<\/li><li><strong>Make sure you meet the eligibility requirements.<\/strong><br>All credit cards have certain requirements you\u2019ll need to meet. If you apply for a credit card but don\u2019t meet these criteria, your application will be rejected, and having multiple rejections on your credit file can affect your credit rating.<\/li><li><strong>Understand your monthly statement cycle.<\/strong><br>While you don\u2019t have to pay off your balance in full each month, you\u2019ll be charged interest on any remaining balance. Make sure you know when you need to clear your balance to avoid losing money to interest.<\/li><li><strong>Check the APR.<\/strong><br>The APR is a way to measure the overall cost of a credit card and includes the interest rate as well as any annual or monthly fees. While you\u2019re unlikely to be offered the most competitive rates if you have limited credit history, it\u2019s still best to look for the cards with the lowest APR when looking for a new credit card.<\/li><li><strong>Keep an eye on your credit score.<\/strong><br>Once you\u2019ve taken out a credit card, you should begin <a href=\"https:\/\/www.finder.com\/uk\/credit-score\">building your credit score<\/a>, as long as you\u2019re paying it off correctly. As your credit rating grows, you\u2019ll become eligible for credit cards with better rates and offers, so it\u2019s important to keep an eye on your credit score and shop around for better cards.<\/li><\/ol><\/div><\/article><h3>Bottom line<\/h3><p>Whilst there are a number of different credit card types out there, having no credit history may limit your options. If you\u2019re a student, you may have a higher chance of being accepted for a student credit card. If you aren\u2019t a student but have limited credit history, a credit builder credit card might be a better option. However, in both cases, the interest rate is likely higher than a standard credit card. <\/p><p>As with any credit card, ensure you understand the terms and meet the eligibility requirements before applying. Using your credit card responsibly can help you improve your credit rating, increasing your eligibility for alternative credit cards down the line.<\/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 happens if I miss a payment?<\/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\">Missing payments will cause your debt to increase quickly. Interest will be charged on the balance, and you may also be subject to a late payment fee. Additionally, it could negatively impact your credit report. Always aim to pay off at least the minimum amount by the due date, and contact your provider to discuss your circumstances if you think you\u2019ll struggle to meet these payments.<\/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\">What does minimum repayment mean?<\/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\">The minimum repayment is the minimum amount you\u2019re required to pay towards your outstanding card balance every month to avoid additional fees. However, note that you\u2019ll still be charged interest on the outstanding balance (unless you have a 0% deal). Failing to pay off your minimum amount can lead to a late payment fee and negatively impact your credit report.<\/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>If you&#8217;re looking to take out your first credit card, it can be hard to know what to look for. Here&#8217;s what you need to do to find the first credit card that&#8217;s best for you.<\/p>\n","protected":false},"author":748,"featured_media":340329,"comment_status":"open","ping_status":"open","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":[2562],"asset_tag":[],"class_list":["post-340247","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-finance-homepage-news"],"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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