The 118 118 Money credit card is an attractive option for those across the UK seeking to improve their credit history. With approval odds tailored towards applicants with poor or bad credit ratings, the card typically offers credit limits ranging from £200 to £1,200. The representative APR sits around 49% (variable), and, crucially, there are no hidden fees involved—making it easier to manage costs.

How to Apply: Step by Step

• Visit the official application page for 118 118 Money
• Check your eligibility using their online eligibility checker (no credit score impact)
• Complete the short application with your personal and financial details
• Get a near-instant decision online
• If accepted, set up your account and receive your card by post

Key Pros

The biggest strength is high approval odds for those with less-than-perfect credit—a standout in the UK market. Plus, you can check eligibility without a hard credit check, lowering your risk when applying.

The card also comes with zero hidden fees, so budgeting is simple and repayments are crystal clear. Fast, straightforward applications mean you can get started swiftly.

Considerations

The high APR means borrowing is expensive if you don’t pay off your full balance monthly. Credit limits start at the lower end, so bigger purchases might be out of reach at first.

Also, late payments can further damage your credit score, and responsible use is essential to truly benefit from rebuilding your financial standing.

Verdict

If your goal is to rebuild your credit score in the UK, the 118 118 Money card is a genuine contender. With straightforward criteria and a transparent fee structure, it’s a reliable option for regaining financial confidence after setbacks—just remember to use it responsibly for the best results.