Compare Adverse Credit Cards

Adverse credit cards are designed for those with a less than perfect credit history. Compare the latest deals now...

Capital One Classic Credit Card - Apply now and get a response in 60 seconds
Great card if you want to rebuild your credit history Credit limit increase after 4 months if account is managed responsibly Includes free identity theft protection More info

Adverse credit cards

Company	Package Name	Accept CCJs & Bad Credit	Standard % APR (Variable)	Credit Limit	Reward Notes
	Capital One Classic Card		34.9%	Up to £2500	Free identity theft service
	Vanquis Visa card		39.9%	According to status	n/a
	Barclaycard Initial		29.9%	According to status	n/a

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Related guides Read our latest credit card consumer guides. Explaining credit card terms and conditions Credit card fraud – A guide to protecting yourself 10 things you should know about taking out a credit card

Our expert says... Our finance expert gives his top tips when applying for credit cards. Always read the terms and conditions carefully before you apply for any credit card. Applying for multiple credit cards at the same time may negatively affect your credit rating. You can improve a poor credit rating by using an adverse credit card sensibly.

What are adverse credit cards?

Adverse credit cards are aimed at people who have a blemished credit history, and are unsuccessful in standard credit card applications. Adverse credit card clients are perceived as a higher risk than those with a good credit rating; hence APR levels are set especially high on these cards.

What are the benefits of an adverse credit card?

Adverse credit cards have high levels of interest but they can be useful in helping people with bad credit rebuild their credit rating.

By regularly paying off the full balance each month and using the card responsibly, you will show that you can manage your credit cards in a sensible manner. Over time you will rebuild your credit rating and be able to successfully apply for a standard credit card, enjoying the benefit of a lower rate of interest.

What else should I know about adverse credit cards?

• The primary disadvantage of adverse credit cards is the exorbitantly high APR, typically around 30%. If you miss a payment, or only repay the minimum amount each month, then this will result in you paying huge amounts of interest.
• On some cards, the minimum payments are lower than the interest charged; consequently you will not be paying off any of the debt.