Ryan Padraig Kelly Credit Cards

The UK’s Top Cards for People with Poor Credit

Compare the best offers for people with low credit ratings or who want to improve their credit score

Double Your Chance of Acceptance

Use our free eligibility check before you apply

 
  • FREE, quick and secure!
  • It won’t leave a footprint on your credit file.

CHECK YOUR ELIGIBILITY

  • Offer Details
  • APR
  • Your Eligibility
    Your Eligibility

    We do a free soft search on your credit profile and compare your information with the acceptance criteria of different credit card providers to find your eligibility

 
LOWEST APR
 
aqua Classic
Credit Card Image
  • Credit limit of up to £1,600
  • Unlimited access to your credit report with aqua Credit Checker, worth up to £80 a year
  • The lowest APR available for people with poor credit

29.7%

Representative 

Representative APR

The annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card. Remember, 0% interest offers don’t incur interest charges.

(Variable)

 

Representative Example 

Representative Example

This is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

: If you spend £1,200 at a purchase interest rate of 29.7% (variable) your Representative APR will be 29.7% (variable)

 

 
Aquis Visa Card
Credit Card Image
  • Initial credit limit up to £1,000
  • Credit limits can increase every 4 months up to £3,000
  • APR can be between 29.8% and 59.9%

29.8%

Representative 

Representative APR

The annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card. Remember, 0% interest offers don’t incur interest charges.

(Variable)

 

Representative Example 

Representative Example

This is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

: If you spend £1,200 at a purchase interest rate of 29.8% (variable) your Representative APR will be 29.8% (variable)

 

 
Capital One Classic Platinum
Credit Card Image
  • Credit limit of up to £1,500
  • Designed to help you build your credit history
  • One interest rate for all transactions

29.8%

Representative 

Representative APR

The annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card. Remember, 0% interest offers don’t incur interest charges.

(Variable)

 

Representative Example 

Representative Example

This is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

: If you spend £1,200 at a purchase interest rate of 29.84% (variable) your Representative APR will be 29.8% (variable)

 

 
Barclaycard Initial
Credit Card Image
  • For people with lower credit ratings or new to credit
  • 0% on purchases for 5 months
  • Can be considered with CCJs over 12 months ago

34.9%

Representative 

Representative APR

The annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card. Remember, 0% interest offers don’t incur interest charges.

(Variable)

 

Representative Example 

Representative Example

This is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

: If you spend £1,200 at a purchase interest rate of 34.9% (variable) your Representative APR will be 34.9% (variable)

 

 
Capital One Classic Extra
Credit Card Image
  • 0.5% cashback on all purchases
  • Earn a £10 annual bonus for paying on time each month

34.9%

Representative 

Representative APR

The annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card. Remember, 0% interest offers don’t incur interest charges.

(Variable)

 

Representative Example 

Representative Example

This is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

: If you spend £1,200 at a purchase interest rate of 34.94% (variable) your Representative APR will be 34.9% (variable)

 

 
aqua Advance
Credit Card Image
  • Could reduce interest rates to 19.9% in 3 years
  • Unlimited access to your credit report with aqua Credit Checker, worth up to £80 a year
  • Credit limit of up to £1,600

34.9%

Representative 

Representative APR

The annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card. Remember, 0% interest offers don’t incur interest charges.

(Variable)

 

Representative Example 

Representative Example

This is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

: If you spend £1,200 at a purchase interest rate of 34.9% (variable) your Representative APR will be 34.9% (variable)

 

 
Capital One Classic
Credit Card Image
  • One of the leading cards for people with poor credit ratings
  • Credit limits up to £1,500
  • Designed for people with weaker credit scores who have been rejected elsewhere

34.9%

Representative 

Representative APR

The annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card. Remember, 0% interest offers don’t incur interest charges.

(Variable)

 

Representative Example 

Representative Example

This is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

: If you spend £1,200 at a purchase interest rate of 34.94% (variable) your Representative APR will be 34.9% (variable)

 

 
granite Credit Card
Credit Card Image
  • For people with a poor credit rating, including those with past CCJs
  • Initial credit limits up to £500
  • Credit limits can increase every 4 months up to a maximum of £3,000

34.9%

Representative 

Representative APR

The annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card. Remember, 0% interest offers don’t incur interest charges.

(Variable)

 

Representative Example 

Representative Example

This is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

: If you spend £1,200 at a purchase interest rate of 34.9% (variable) your Representative APR will be 34.9% (variable)

 

 
Luma
Credit Card Image
  • Manageable credit limits up to £1,500
  • Get a response in 60 seconds
  • Get rewards at a number of high-street retailers

35.9%

Representative 

Representative APR

The annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card. Remember, 0% interest offers don’t incur interest charges.

(Variable)

 

Representative Example 

Representative Example

This is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

: If you spend £1,200 at a purchase interest rate of 35.9% (variable) your Representative APR will be 35.9% (variable)

 

 
Vanquis Credit Card
Credit Card Image
  • Specifically designed for poor credit score
  • Initial credit limit up to £1,000, can extend every 4 months up to £3,000
  • APR can be between 39.9% and 59.9%

39.9%

Representative 

Representative APR

The annualised rate of interest you will be charged on any balances that incur interest charges. The Representative APR is the rate that has to be offered to 51% of customers applying for a card. Remember, 0% interest offers don’t incur interest charges.

(Variable)

 

Representative Example 

Representative Example

This is an example of the Purchase APR, Representative APR and credit limit you could be offered by this provider. Remember, your personal offer may be different to this so make sure you read the details of any offer a credit card company makes you.

: If you spend £1,200 at a purchase interest rate of 39.9% (variable) your Representative APR will be 39.9% (variable)

 

 

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