If you’re looking for credit cards in the UK with easier approval, these are typically designed for individuals with poor credit scores, limited credit history, or those rebuilding their credit. While approval isn’t guaranteed, these cards often have more lenient eligibility criteria. Below is a guide to help you navigate your options:
Contents
Credit Cards with Easier Approval (UK)
- Capital One Classic Credit Card
- Designed for fair/poor credit.
- APR: ~34.9% (variable).
- Initial credit limit: £200–£1,500 (subject to eligibility).
- No annual fee.
- Eligibility checker uses a soft search.
- Aqua Classic Credit Card
- Targets those with poor credit.
- APR: 34.9% (variable).
- Credit limit: Starts at £250–£1,200.
- Reports to credit agencies to help rebuild credit history.
- Vanquis Credit Card
- For poor credit or no credit history.
- APR: 39.9% (variable).
- Credit limit: Starts at £150–£4,000 (increases over time).
- Soft eligibility check available.
- Tymit Credit Card
- Flexible repayment plans (split purchases into instalments).
- APR: 29.9% (variable).
- Requires a fair credit score but may be more flexible.
- hyperjar Credit Card
- Prepaid-style card that helps manage spending.
- No credit checks.
- Helps build financial discipline (not a traditional credit card).
Tips to Improve Approval Chances
- Check eligibility first: Use providers’ soft search tools (won’t affect your credit score).
- Avoid multiple applications: Each hard search can lower your score.
- Consider “credit builder” cards: These are specifically for rebuilding credit.
- Update your details: Ensure you’re on the electoral roll and correct any errors on your credit report (use Experian, Equifax, or TransUnion).
Alternatives if Approval is Difficult
- Prepaid debit cards: No credit checks (e.g., hyperjar, Pockit).
- Guarantor credit cards: A guarantor backs your application (rare, but options like TrustTwo exist).
- Credit-builder loans: E.g., Loqbox or credit union loans.
Key Considerations
- High APR: Pay off balances in full monthly to avoid interest.
- Fees: Avoid cards with high annual fees if possible.
- Low credit limits: Use sparingly and keep utilization below 30%.
Always compare options on comparison sites (e.g., MoneySuperMarket, Compare the Market) and read terms carefully. Responsible use of these cards can gradually improve your credit score over time.
