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118 118 Money: Credit card reviews

Name: Credit card
Rating: 4.86 (2663 reviews)

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4.86

Based on 2,663 reviews, last reviewed 9th Apr 2026

141000% 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

The credit is so easy to use and the application was... The credit is so easy to use and the application was so easy .It came so quick too.. Reviewed on: 9th 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 (2663)

Great customer service and great card and app all good

Great customer service and great card and app all good Reviewed on: 27th March 2026

Easy to deal with if there is any issues.

Easy to deal with if there is any issues. Only ever had 1 issue and it was external to 118118 but they resolved. Reviewed on: 27th March 2026

Very handy and gives the right service

Very handy and gives the right service Reviewed on: 27th March 2026

Never had a problem, perfect

Never had a problem,always helpful and there.ty Reviewed on: 27th March 2026

You get what it says is on the tin!

clear and descriptive information Reviewed on: 27th March 2026

A trustworthy company, gave me a chance to rebuild m...

A trustworthy company, gave me a chance to rebuild my credit and decorate my home Reviewed on: 27th March 2026

Been with 118 118 for years, still get charged a mon...

Been with 118 118 for years, still get charged a monthly fee of £ 8/12/ 15.???? Still no increase in my £250 limit which is demeaning, and its easy to go over limit. Just keep the account as I'm getting my credit rating repaired after the covid-19 and the sad loss of my wife to Breast Cancer in April 2022. This company is a sad, cheap absolutely "LOUZY." and iv re- branded it "" 1-1- 3rd rate." and I'm being very "Gentleman." and generous with 3rd- rate ......INCREASE MY CREDIT LIMIT YOU CHEAP- CHIPPIES." Dont worry I "PROMISE NIT TO LEAVE THE COUNTRY WITH A LITTLE INCREASE..... Reviewed on: 27th March 2026

Great customer service , very helpful and had no pro...

Great customer service , very helpful and had no problems Reviewed on: 27th March 2026

So far been very good.

So far been very good. Accepted all over the place. Repayments are no worse than anyone else. I would wholly recommend these guys for a great card service with easy to use App. Reviewed on: 27th March 2026

Excellent

Love my 118 credit card amazing customer service excellent card Reviewed on: 27th March 2026

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