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Fair Credit

Best Fair Credit credit cards in United Kingdom

Fair-credit cards in United Kingdom are unsecured cards for people with fair, poor or damaged credit, or who are rebuilding it.

*a card is filed here when the issuer's own page says, in a sentence about this card, that it is for fair or damaged credit, or for rebuilding it. A menu link, a footnote or a line about another card does not count. In the US a card is also filed here when the issuer tells the CFPB the card targets credit scores below 720 and not above. Deposit-backed cards are under Secured instead. We keep each quote and its source on the card's record and re-read the source every week. When the line is gone, a card filed on it leaves this list; a source we cannot re-read stops counting after 60 days (a CFPB survey, 14 months after the period it reports).

2
Fair Credit cards filed
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The ledger

All Fair Credit cards in United Kingdom

2 cards
118 118 Money№ 1

118 118 Money Credit Card

Credit card issued by 118 118 Money.

Fair Credit
Annual feeNot confirmed
Top earn rateNot confirmed
Vanquis Banking Group№ 2

Vanquis Credit Builder Credit Card

Visa card issued by Vanquis Banking Group.

Credit BuildingFair Credit
Annual fee£0per year
Top earn rateNot confirmed
Questions

Frequently asked

What is the best fair credit credit card in United Kingdom?

The best fair credit card in United Kingdom depends on your spending and goals. We list every fair credit card we hold — 2 in total — with the issuer's published fees, networks, and welcome offers, so you can compare on the facts rather than the marketing.

How do I choose a fair credit credit card?

Compare the annual fee against the value you will actually use, check the network and any welcome offer, and weigh it against your top spending categories. Open any card below for the full breakdown, or use the Compare tool to line up two or three side by side.

Can I combine a fair credit card with other cards?

Yes. Many people pair a fair credit card with a complementary card so each handles the categories it earns most on. Holding cards from different issuers is common and can raise your overall rewards.

How do I know these fair credit card details are current?

Each card's review page marks every figure it prints: “Checked” with the month (and a link to the published document where we hold its address), or “Not yet checked” with the issuer where no check is on record — and a card with any unchecked figure says so at the top. A figure the issuer's pages we checked do not state, or that sits behind a site that blocks automated reading, is left blank and marked “Not published by the issuer where we checked” or “Issuer restricts access — check their site”. The date beside “Annual fee checked” covers the annual fee only. Terms change without notice, so confirm the current fee and offer on the issuer's own page before you apply.