Updated October 17, 2026 · DebitCue Editorial Team

Top bad credit and credit builder cards compared in the United Kingdom

9 cards available in the United Kingdom, ranked for the United Kingdom.

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Top bad credit and credit builder cards compared in the United Kingdom
#CardScoreFeaturesKey factsActions
1
Vanquis logo
VanquisTop pick
9.2/10
    Currency conversion fee:
    0%
    Credit needed:
    Poor
    Card kind:
    Credit
    ReviewCompareSee alternatives
    2
    Ocean Finance Card logo
    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
    • No annual fee
    Annual fee:
    £0
    APR:
    39.9%
    Rewards type:
    None
    ReviewCompareSee alternatives
    3
    Capital One UK logo
    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
    • No annual fee
    Annual fee:
    £0
    APR:
    34.9%
    Currency conversion fee:
    2.75%
    ReviewCompareSee alternatives
    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
    • No annual fee
    Annual fee:
    £0
    APR:
    39.9%
    Balance transfer intro period:
    5 months
    ReviewCompareSee alternatives
    5
    NewDay logo
    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
    • No annual fee
    Annual fee:
    £0
    APR:
    39.9%
    Balance transfer intro period:
    5 months
    ReviewCompareSee alternatives
    6
    Kikoff logo
    Kikoff

    Kikoff is a credit building app.

    8.4/10
      Rewards type:
      Cashback
      Legal entity:
      Kikoff Inc.
      Headquarters:
      United States
      ReviewCompareSee alternatives
      7
      Milestone Mastercard logo
      Milestone Mastercard
      Not rated
        Credit needed:
        Fair
        Card kind:
        Credit
        ReviewCompareSee alternatives
        8
        Jenius logo
        Jenius
        Not rated
          Annual fee:
          IDR 500,000
          APR:
          21%
          Rewards type:
          Points
          ReviewCompareSee alternatives
          9
          Pockit logo
          Pockit
          Not rated
          • No annual fee
          Annual fee:
          £0
          Currency conversion fee:
          4%
          Rewards type:
          None
          ReviewCompareSee alternatives
          Vanquis

          Vanquis

          Top pick for the United Kingdom

          9.2/10See alternatives