Credit Cards for People with No Credit History
If you have no credit history, you have either never used credit, you are a new entrant to this country, or your lender has never reported your payment history. Obtaining a good or excellent credit score can dramatically lower your rates and cost of living. Obtaining a new card that reports to the credit bureaus is a great place to start. If you have no credit history, you are in the right place. So, compare the cards below and apply for the one that is right for you! (more)
Barclaycard Student
- Typical APR: 14.9% (variable)
- Introductory APR on Balance Transfers: No Introductory Rate
- Credit Limit: £250.00
- Vouchers and Discounts
Bank of Scotland
- Typical APR: 18.9% (variable)
- Introductory APR on Balance Transfers: Not Permitted
- Credit Limit: £500.00
- Retail and travel discounts; manageable credit limit
Halifax Student
- Typical APR: 17.9% APR (variable)
- Introductory APR on Balance Transfers: Not Permitted
- Credit Limit: £500.00
- Retail Discounts; Weekly balance updates via text; No annual Fee
Egg
- Typical APR: 16.9% APR (variable)
- Introductory APR on Balance Transfers: 0% for 12 months
- Credit Limit: Minimum limit £500
- Great deals and discounts at selected retailers; paperless application
Lloyd's Student
- Typical APR: 19.9% APR (variable)
- Introductory APR on Balance Transfers: 0% for 9 Months
- Credit Limit: £500.00
- Fraud guarantee
Natwest
- Typical APR: 18.9% APR (variable)
- Introductory APR on Balance Transfers: No Introductory Rate
- Credit Limit: £500.00
- Up to 25% retail discounts
RBS Student Card
- Typical APR: 18.9% APR (variable)
- Introductory APR on Balance Transfers: No Introductory Rate
- Credit Limit: £500.00
- Special discounts at popular retail outlets
Sterling
- Application Fee: £8.95
- Monthly Fee: £5.95
- Reload Options: Face to Face; Internet
- Free PayPoint loading at Post Offices
Cashplus Gold Active
- Application Fee: £9.95
- Monthly Fee: £4.95
- Reload Options: Face to Face
- Purchase Protection;Improve your credit rating with Creditbuilder; Secure shopping online, by phone or in store
Virgin Money
- Application Fee: £9.95
- Monthly Fee: £4.75 Monthly
- Reload Options: Face to Face; Internet
- Free Card Transaction in the UK; 2.95% Overseas Transaction charge; PayPoint 2.75%
Bread
- Application Fee: £10.00
- Monthly Fee: £0.00
- Reload Options: Face to Face
- UK transaction free of 2% on all card purchases; PayPoint loading fee of 3%
Tuxedo Monthly
- Application Fee: £9.95
- Monthly Fee: £4.99
- Reload Options: Face to Face; Internet
- Unlimited free transaction charges in the UK and aboard
Tuxedo Pay As You Go
- Application Fee: £9.95
- Monthly Fee: £0.00
- Reload Options: Face to Face; Internet
- £5 FREE on first top up!; 2.95% per transaction; get up to 15% cashback when shopping online
The Sun Card
- Introductory APR on purchases: Unlimited FREE purchases in the UK
- Monthly Fee: £4.99 Monthly or Pay as You Go available
- Reload Options: at High Street Bank, By Bank Transfer, By Salary & Wages, at PayPoint locations
- Get your card for free with you Top-up your card with £20