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118 118 Money: Credit card reviews

Name: Credit card
Rating: 4.73 (5645 reviews)

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4.73

Based on 5,645 reviews, last reviewed 9th Aug 2026

100% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

89%

Latest highest rating:

5

Great cooperation Great cooperation. Very flexible accounting and credit builder. Reviewed on: 9th August 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 (5645)

Great service very helpful and credit good

Great service very helpful and credit good Reviewed on: 20th April 2026

Never had issue only downside is takes 3 days to cle...

Never had issue only downside is takes 3 days to clear on payments Reviewed on: 20th April 2026

Very good service and transparent

Very good service and transparent Reviewed on: 20th April 2026

Never had any problems at all, I get regular updates...

Never had any problems at all, I get regular updates, and that is all I need.Thankyou Reviewed on: 20th April 2026

No problems.

No problems. And I feel safe with having a card Reviewed on: 20th April 2026

My experience whilst at 118 has been very positive.

My experience whilst at 118 has been very positive. Fantastic communication, great app. Reviewed on: 20th April 2026

really good card great value for money very understa...

really good card great value for money very understanding Reviewed on: 20th April 2026

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

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