If you have a less-than-perfect credit score, finding an accessible credit card in the UK can feel daunting. Experian offers bad credit credit cards designed specifically for individuals with poor or no credit history. Interest rates on these cards tend to be higher than standard offers, but initial limits generally range from £200 to £1,500. Responsible use can help improve your rating over time while giving you essential borrowing power.

How to Apply: Step-by-Step

Begin by using the free eligibility checker, which uses a soft search and won’t impact your credit score.

Answer a few simple questions about your financial status for a tailored match.

Review the results to see your acceptance likelihood before you proceed.

Choose your preferred card from the available options and proceed with a straightforward online application.

If approved, your card usually arrives within ten working days, and you’re ready to start rebuilding your credit profile.

Pros of Bad Credit Credit Cards

This type of credit card helps those with a weak credit history regain borrowing ability and gradually improve their score with responsible use.

Even with restrictions, you gain Section 75 purchase protection, covering eligible purchases between £100 and £30,000.

Cons to Consider

Interest rates are higher compared to standard cards, making it costly to carry a balance month to month.

Credit limits start lower, reflecting lender caution, and the cards rarely offer extra rewards or 0% deals.

Our Verdict

If you need to build or recover your credit rating, the Experian Bad Credit Credit Card offers a practical, reliable solution. Provided you pay on time and stay within your limit, these cards open the door to healthier finances.

Apply online for fast decisions and gain clear insight into your eligibility before you commit. Start your recovery journey with confidence.