Compare Adverse Credit Cards

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

Adverse credit cards

Company	Package Name	APR	Credit Limit	Notes
	Capital One Classic Card	34.94% APR Representative (variable)	Up to £2500	Free identity theft service Apply now and get a response in 60 seconds
Representative Example: 34.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 34.9% p.a. (variable). Capital One, Trent House, Station Street, Nottingham, NG2 3HX
	Vanquis Visa card	39.9% APR Representative (variable)	According to status	n/a
Representative Example: 39.9% APR representative (variable). Based on a credit limit of £1,000 and a purchase rate of 39.9% p.a. (variable). Vanquis, PO Box 399, Chatham, ME4 4WQ

This is an independent comparison service that provides an extensive selection including some of the most competitive deals on the market.

The rates and products displayed within these tables are updated on a regular basis however due to the dynamic nature of the market some product details and rates may be out of date. We therefore do not take any responsibility for the accuracy of the information supplied within the table although we will always make our best endeavour to ensure that the information provided is as accurate as possible. You should always check rates and terms with the product provider.

Remember...

Adverse credit cards are aimed at people with low credit ratings, and should be used sensibly.
The full balance should always be paid off at the end of the month, or you may end up paying a very high level of interest.

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.

Use adverse credit cards to rebuild your credit

By paying your balance off in full, on time, every month you’ll be able to prove to credit card companies and credit reference agencies that you can manage your debt efficiently.

Over time, your credit rating will improve, placing you in a better position to apply for standard credit cards with lower interest rates, as well as being able to take advantage of cashback, airmiles and interest free on purchases offers.

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