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118 118 Money: Credit card reviews

Name: Credit card
Rating: 4.73 (5638 reviews)

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4.73

Based on 5,638 reviews, last reviewed 29th May 2026

402400% increase in 5 star reviews

in the past 90 days

2200% increase in 1 star reviews

in the past 90 days

89%

Latest highest rating:

5

118118 great as an emergency back up Great to use in emergencies but the rates could be better then I might use it more often. Great as a back up though Reviewed on: 29th May 2026

Latest lowest rating:

2

So bad experience with 118 customer service So bad experience with 118 . I payed money to my card account for more that a month. It never appear in my apps account t that I made such a payment .... Read more Reviewed on: 1st May 2026

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About this product

118 118 Money’s credit cards are designed to help you build and improve your credit score.

If accepted, you’ll be offered a guaranteed personalised credit limit and there are no hidden fees. You can check your eligibility for a 118 118 Money credit card with no impact on your credit score.

118 118 Money credit card reviews help you find out what it’s really like to be a customer. If you’ve used 118 118 Money before, you can also leave a review and share your experience.

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118 118 Money Credit card reviews (5638)

Pete 118

Call centre polite and listen to you they went above and beyond to help me with my problem thanks Reviewed on: 20th April 2026

it easy to apply and it helped improve credit score

I have been using the credit card for some while now and I have a few good bits about it 1. Very simple fee structure, no annual fee, no foreign transaction fees., 2. Easier approval than mainstream cards., 3. Helps build credit if used properly. 4. Decent usability abroad, no FX fees when spending overseas the downsides 1. Very high interest rate around 49% APR 2. No perks or rewards. 3. Low starting credit limit, often starts around £500 4. Cash withdrawals are costly, high interest + ~5% fee Reviewed on: 20th April 2026

It was an easy process to apply and got accepted...

It was an easy process to apply and got accepted Reviewed on: 20th April 2026

So far so good, updates on regular basis and app eas...

So far so good, updates on regular basis and app easy to use Reviewed on: 20th April 2026

Excellent service from 118 as always

Excellent service from 118 any queries I’ve had has been effectively dealt with very pleased either the service snd would recommend to family and friends . Reviewed on: 20th April 2026

Really helped my life.

Really helped my life. Easy to apply. Great customer support. Reviewed on: 20th April 2026

I had had a credit card with 118 for a while now, th...

I had had a credit card with 118 for a while now, the fees are transparent and payments are easy via the app Reviewed on: 20th April 2026

Easy to use card and Apple.

Easy to use card and Apple. Payments are sample and everything work as expected. No major issues so far Reviewed on: 20th April 2026

When i needed a Flexable card, you guys came through .

When i needed a Flexable card, you guys came through ... nice low start at £250 ... there for emergency's and great for building my credit score. Reviewed on: 20th April 2026

Good service provide by 118 card i am happy using...

Good service provide by 118 card i am happy using this Reviewed on: 20th April 2026

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