Compare Credit Cards for Bad Credit
Compare Credit Cards for Bad Credit…
Section 1: Credit Card Lenders…
Account login and SSL: Yes
Available: £150 to £1000 (£3000)
Card Issued by: Vanquis Bank Ltd (part of Provident Financial Plc)
Card Type: Visa
Interest Rate: 29.8% APR
Name: Aquis Visa Card
Served: Not stated
Trade Association: No
+ Best credit card rate
+ Largest figure of £3000 possible (shared)
– Assumed to be more strict
– No membership
Barclaycard Credit Card (1966)
Account login and SSL: Yes
Available: £150 to £2500 (maximum estimated)
Card Issued by: Barclays Bank Plc
Card Type: Visa
Interest Rate: 29.9% APR
Name: Barclaycard Initial
Served: Over 11 million customers (UK) and 22 million customers (global)
Trade Association: No
+ 2nd best credit card rate
+ Most experienced service (1966)
+ Most UK customers
+ Multiple cards available (for better credit scores)
– Assumed to be more strict
– No membership
Capital One Credit Card (1996)
Account login and SSL: Yes
Available: £200 to £1500
Card Issued by: Capital One (Europe) Plc (part of Capital One Financial Corporation)
Card Type: MasterCard
Interest Rate: 34.9% APR
Name: Capital One Classic
Served: Over 3 million customers (UK) and 40 million customers (global)
Trade Association: CSA members
+ Most global customers
+ Multiple cards available (for better credit scores)
Account login and SSL: Yes
Available: £250 to £1600
Card Issued by: Progressive Credit Ltd (part of SAV Credit Ltd who owns Aqua)
Card Type: MasterCard
Interest Rate: 34.9% APR (can drop to 19.9% APR in time)
Name: Aqua Advance
Served: Over 200,000 customers
Trade Association: FLA members
+ Multiple cards available (Classic has higher APR)
Account login and SSL: Yes
Available: £150 to £1000 (£3000)
Card Issued by: Vanquis Bank Ltd (part of Provident Financial Plc)
Card Type: Visa
Interest Rate: 39.9% APR
Name: Vanquis Visa Card
Served: Over 1.8 million customers
Trade Association: No
+ Largest figure of £3000 possible (shared)
– No membership
Section 2: Credit Card Branded (Issued by Others)…
Account login and SSL: Yes
Available: £150 to £1000 (£3000)
Card Issued by: Vanquis Bank Ltd (part of Provident Financial Plc)
Card Type: Visa
Interest Rate: 34.9% APR
Name: Granite Card or Granite Credit Card (part of MI Money Ltd/Media Ingenuity Group)
Served: Not stated
Trade Association: No
+ Best credit card rate
+ Largest figure of £3000 possible (shared)
– No membership
Account login and SSL: No SSL
Available: £200 to £1500
Card Issued by: Capital One (Europe) Plc (part of Capital One Financial Corporation)
Card Type: MasterCard
Interest Rate: 35.9% APR
Name: Luma Card or Luma Credit Card (part of MI Money Ltd/Media Ingenuity Group)
Served: Not stated
Trade Association: No
+ 2nd best credit card rate
– No SSL. The application is taken at Capital One that is secure though
– Relatively new service
Account login and SSL: Yes
Available: £150 to £1000 (£3000)
Card Issued by: Vanquis Bank Ltd (part of Provident Financial Plc)
Card Type: Visa
Interest Rate: 39.9% APR
Name: Argos Credit Card (part of Home Retail Group Plc)
Served: Not stated
Trade Association: No
+ Largest figure of £3000 possible (shared)
– Likely to be stricter than others found on this page based on this competitive rate
– APR was 29.9% APR, but has now dropped to 39.9%
– No membership
– Relatively new service
Black Diamond Credit Card (2009)
Account login and SSL: Yes
Available: £150 to £1000 (£3000)
Card Issued by: Vanquis Bank Ltd (part of Provident Financial Plc)
Card Type: Visa
Interest Rate: 59.9% APR
Name: Black Diamond Visa
Served: Not stated
Trade Association: No
+ Largest figure of £3000 possible (shared)
– No membership
Account login and SSL: No login
Available: £300
Card Issued by: R Raphael & Sons Plc
Card Type: Visa
Interest Rate: 303% APR
Name: Rise Visa
Served: Not stated
Trade Association: No
– Interest rate is based on the monthly balance. Minimum charge of £3.50
– Must pay £20 on activation that will later becomes available
– No account login
– No membership
Account login and SSL: No login
Available: £300
Card Issued by: R Raphael & Sons Plc
Card Type: Visa
Interest Rate: 303% APR
Name: Shout Visa
Served: Not stated
Trade Association: No
– Interest rate is based on the monthly balance. Minimum charge of £3.50
– Must pay £20 on activation that will later becomes available
– No account login
– No membership
– Relatively new service
Notes:
– As noted in the initial passage, more branded credit cards will be covered here soon.
– The account login for the introducers is usually controlled at the credit card providers and not built within their site.