Updated October 17, 2026 · DebitCue Editorial Team
Top bad credit and credit builder cards compared in the United Kingdom
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| # | Card | Score | Features | Key facts | Actions |
|---|---|---|---|---|---|
| 1 | VanquisTop pick | 9.2/10 |
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| 2 | Ocean Finance Card 0% for 6 months on balance transfers and purchases on the Ocean Credit Card: 0% for 6 months, 2.9% balance transfer fee | 9.2/10 |
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| 3 | Capital One UK 0% interest on balance transfers for up to 18 months and on purchases for up to 3 months: 0% for up to 18 months on balance transfers; 0% for up to 3 months on purchases | 9.1/10 |
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| 4 | Aqua Card 0% on balance transfers for up to 5 months on the Aqua balance transfer credit card: 0% interest for up to 5 months, 3% balance transfer fee (minimum GBP 3) | 9.0/10 |
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| 5 | NewDay 0% on balance transfers for up to 5 months (3% fee) on the Aqua balance transfer credit card: 0% interest on balance transfers for up to 5 months, 3% transfer fee (minimum GBP 3) | 8.9/10 |
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| 6 | Kikoff Kikoff is a credit building app. | 8.4/10 |
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| 7 | Milestone Mastercard | Not rated |
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| 8 | Jenius | Not rated |
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| 9 | Pockit | Not rated |
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Licensed in the United Kingdom
- Ocean Finance Card
- Financial Conduct Authority
- Aqua Card
- Financial Conduct Authority
- Aqua Card
- Financial Conduct Authority (Payment Services Regulations 2017)
- NewDay
- Financial Conduct Authority
- NewDay
- Financial Conduct Authority (NewDay Cards Ltd)
- NewDay
- Financial Conduct Authority under the Payment Services Regulations 2017
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