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What Are the Best Credit Cards for No Credit in the UK?

Eva MarcilleVerified
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Summary：Discover the best credit cards for people with no credit history in the UK, including secured credit cards, credit builder cards, and student credit cards.

As an expert on credit cards in the UK, I am often asked about the best credit cards for people with no credit history. If you are just starting out on your credit journey, it can be tough to get approved for a credit card, let alone find one with good benefits. Fortunately, there are a few options available that can help you build credit and earn rewards at the same time.

Secured Credit Cards

One option for people with no credit history is a secured credit card. These cards require a deposit, which is used as collateral in case you default on your payments. Because of this security,secured credit cardsare often easier to get approved for than traditional unsecured cards. However, they also tend to have higher interest rates and fees.

One secured credit card that is worth considering is the Capital One Classic Credit Card. This card has a low minimum deposit of £49, and offers a credit limit of up to £1,500. It also comes with no annual fee and offers cashback rewards on purchases.

Credit Builder Cards

Another option for people with no credit history is a credit builder card. These cards are designed specifically to help you build credit, so they often have lower credit limits and higher interest rates than traditional credit cards. However, they can be a good way to establish a credit history and improve your credit score over time.

One credit builder card that is worth considering is the Aqua Classic Card. This card offers a credit limit of up to £1,200, and comes with no annual fee. It also offers cashback rewards on purchases, and includes access to a free credit checker to help you monitor your credit score.

Student Credit Cards

If you are a student with no credit history, you may be able to get approved for a student credit card. These cards are designed for students who are just starting out on their credit journey, and often come with lower credit limits and fewer rewards than traditional credit cards.

One student credit card that is worth considering is the TOTUM student credit card. This card is available exclusively to students, and offers a credit limit of up to £1,500. It also comes with no annual fee, and offers cashback rewards on purchases.

Tips for Applying for a Credit Card

When applying for a credit card, there are a few things you can do to increase your chances of approval. First, make sure you meet the eligibility criteria for the card you are applying for. This will often include having a certain income, being over 18 years of age, and being a UK resident.

You should also check your credit report before applying for a credit card. This will give you an idea of your credit score and any negative marks that may be affecting it. If you have a low credit score, you may want to consider a credit builder card or secured credit card to start building your credit.

Finally, make sure you read the terms and conditions of the credit card carefully before applying. This will help you understand the interest rates, fees, and rewards associated with the card, and will help you avoid any surprises down the line.

In conclusion, there are several options available for people with no credit history who are looking for a credit card. Whether you opt for a secured credit card, credit builder card, or student credit card, it is important to do your research and choose a card that fits your needs and financial situation. By following these tips and being responsible with your credit, you can start building your credit history and enjoying the benefits of a good credit score.

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