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118 118 Money: Credit card reviews

Name: Credit card
Rating: 4.86 (2662 reviews)

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4.86

Based on 2,662 reviews, last reviewed 8th Apr 2026

140900% increase in 5 star reviews

in the past 90 days

700% increase in 1 star reviews

in the past 90 days

90%

Latest highest rating:

5

Excellent credit carfd This credit card is very convenient to use and doesn’t charge you very high and hidden interest rates like others does Reviewed on: 8th April 2026

Latest lowest rating:

1

Terrible! Terrible!!! The APR is so high that if you do the minimum payment you're basically only paying for the interest. Trying to do negotiate is impossible ... Read more Reviewed on: 1st April 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 (2662)

Very good customer service

Very good customer service Would recommend for someone trying to build there credit score Reviewed on: 27th March 2026

Very effective customer communication

Very effective customer communication Reviewed on: 27th March 2026

Easy application process.

Easy application process.. Value for money.. Reviewed on: 27th March 2026

Excellent service

It's an easy way to find assistance Reviewed on: 27th March 2026

Very responsive with any queries

Very responsive with any queries Reviewed on: 27th March 2026

So far so good, ok credit limit offered initially

So far so good, ok credit limit offered initially Reviewed on: 27th March 2026

Good credit card service.

Good credit card service. Appreciate if you decrease APR based on last year payback performance and not just credit history. I believe credit history may not reflect true borrowing power. Reviewed on: 27th March 2026

Excellent service and excellent quality

Excellent service and excellent quality Reviewed on: 27th March 2026

Not bad thing to have just struggling to get it back...

Not bad thing to have just struggling to get it back under control after spending to much Reviewed on: 27th March 2026

The credit card made a big difference

The credit card made a big difference and was so easy to apply for and use. Reviewed on: 27th March 2026

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