If you’re looking for a credit card on a lower income, the Marbles Credit Card stands out with flexible eligibility and fair approval policies. This card has a representative 34.9% APR (variable) and a credit limit of up to £1,200, tailored by your credit profile. It’s available to UK residents aged 18 and over, subject to status. Higher APRs are typical for low-income cards, but Marbles is upfront with its conditions and offers a real opportunity for those aiming to build their credit rating.

How to Apply: Step by Step

1. Use the free FastCheck eligibility service to get an indication before formally applying.
2. Review your credit report with providers like Experian, Equifax, or TransUnion.
3. Gather proof of UK residency, ID, and employment details.
4. Submit your financial details including income and outgoings for assessment.
5. If approved, sign up digitally and receive your card in the post within days.

Key Benefits of Marbles

The eligibility check does not impact your credit score, letting you apply with confidence. This is a huge plus for those with a less established credit profile.

Every monthly payment reported can help improve your future borrowing power if you always pay on time and avoid carrying an outstanding balance.

Potential Drawbacks

A relatively high APR means carrying a balance can be expensive, so the card is best suited for those confident about repaying in full each month.

Initial credit limits might be low, and increases depend on your usage and repayments over time—so you may need patience as you build your track record.

Verdict: Who Should Consider the Marbles Card?

The Marbles Credit Card is a practical tool for UK residents on low income who need to build or rebuild their credit. Its straightforward policies and pre-application eligibility check make it a strong contender for those starting out or looking to improve their financial future. Provided you manage the account responsibly, Marbles can be the foundation of a stronger credit score.