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★ BEST CARDS FOR NO CREDIT / FIRST CARD185 UNITED KINGDOM CARDS TRACKEDNO BIAS · NO SIGNUP
Best For — No credit history — first card

The best credit cards for no credit / first card in United Kingdom

For people getting their first credit card, the best cards are first cards for someone with no credit file at all — approval without a score, low or no annual fee, and monthly bureau reporting so a few months of on-time payments create a history. We track 185 United Kingdom cards.

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The profile

Who this guide is for

  • You've never had a credit card and have no score yet
  • You want approval that doesn't depend on existing history
  • A no-annual-fee starter you can keep is the goal
  • You'll graduate to a rewards card once your score builds
The shortlist

Top cards for no credit / first card in United Kingdom

8 ranked
№ 8
NewDayMastercard

Pulse Mastercard

Cash BackNo Annual Fee
  • Earns 0.25% back on groceries — one of your biggest spending categories
  • £0/yr annual fee
  • Earns 0.25% on Other
  • Cash Back card
Annual fee£0per year
Est. first-year value+£29Not yet checked with NewDay
No application link on file · apply through NewDayRead our review →
Method

How we picked

We start from every card we hold in United Kingdom, keep those that suit people getting their first credit card, and rank them on estimated first-year value for a typical people getting their first credit card profile: rewards from the card's earn rates, plus a welcome offer the page can print, minus the annual fee. A card whose annual fee we cannot state ranks after every card whose fee we can. Nothing here is pay-to-rank. Business cards appear only on business guides, student cards only on student guides, and prepaid cards on none. A figure we do not hold is shown as “Not confirmed”, never as a zero.

More guides

Best cards for other people

TravelersFrequent FlyersInternational JetsettersPoints OptimizersHotel LoyalistsBudget BackpackersDigital NomadsBusiness TravelersCruise LoversRoad TrippersBusinessSole ProprietorsStartup FoundersE-commerce SellersCorporate / EnterpriseContractors & TradesReal-Estate InvestorsBuilding CreditBad Credit / RebuildFair CreditSecured CardsThin FilePost-BankruptcyYoung AdultsStudentsUndergraduatesGrad StudentsInternational StudentsStudent Cash BackStudent TravelCash BackFlat-Rate Cash BackGrocery MaximizerGas & CommutersDining & FoodiesOnline ShoppersStreaming & SubscriptionsRent PayersProfessionalsDoctorsNursesTeachersLawyersTech WorkersGovernment / Public SectorFirst RespondersAccountants & FinanceFamiliesNew ParentsLarge HouseholdsSingle ParentsCommuter FamiliesTeens (Authorized Users)ExecutivesLuxury TravelersAffluent High-IncomePrivate BankingMulti-Card StrategistsConcierge SeekersSeniorsFixed-Income RetireesSnowbirdsRetiree Cash BackNewcomersNew ImmigrantsWork-Visa HoldersReturning ExpatsFreelancersSelf-EmployedRideshare & DeliveryContent CreatorsSide HustlersLow Interest & DebtBalance TransferLow Ongoing APRDebt Consolidation0% Big Purchase
Questions

Frequently asked

What is the best credit card for people getting their first credit card in United Kingdom?

The best card for people getting their first credit card in United Kingdom depends on your exact spending and credit. The shortlist above holds 8 cards for this profile, each chosen because it fits people getting their first credit card: first cards for someone with no credit file at all — approval without a score, low or no annual fee, and monthly bureau reporting so a few months of on-time payments create a history.

How did you choose these cards for people getting their first credit card?

We start from every card we hold in United Kingdom, keep those that suit people getting their first credit card, and rank them on estimated first-year value for a typical people getting their first credit card profile: rewards from the card's earn rates, plus a welcome offer the page can print, minus the annual fee. A card whose annual fee we cannot state ranks after every card whose fee we can. Nothing here is pay-to-rank.

Why do some cards show no annual fee figure?

Because we hold no confirmed figure for it. Our fee column used to default to zero, and many cards still carry a zero that no check has confirmed — so a zero on its own cannot be told apart from a field nobody filled in, and printing “£0” there would invent a price. A card shows a fee where a positive one is on record, or where a zero was confirmed against the issuer's terms; otherwise the slot reads “Not confirmed”, and the issuer's own page is the place to check before you apply.

How are these cards ranked?

By that estimated value, computed by the same rules for every card, with one adjustment: a card that matches this guide's goal gains 15% of its estimated value (at least 25) in the ordering, so it can rank above a card with a higher estimated value. The figure printed on each pick is the estimate itself, without that adjustment. Our methodology page sets the rules out in full. Each card's review page marks which of its figures a published document states.