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118 118 Money: Credit card reviews

View other 118 118 Money products
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
See only 5 star reviews
89%
See only 4 star reviews
9%
See only 3 star reviews
1%
See only 2 star reviews
0%
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1%

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
Rick a's avatar
Rick a

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.

Review 118 118 Money: Credit card now

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118 118 Money Credit card reviews (5638)

Reliable help

4
118 118 Money has been helpful when I need credit Reviewed on: 20th April 2026
Oludotun dosunmu's avatar
Oludotun dosunmu

The no-nonsense path to better credit

5
The 118 118 Money Credit Card is a top-tier choice for anyone looking to repair a damaged credit score. It cuts through the complexity of traditional banking with a straightforward, "no-nonsense" approach. The Highlights: • Transparency: The interest rate you're quoted during the check is the rate you actually get. • Zero Fees: No annual fees and-rare for this category-no fees for spending abroad. • User-Friendly: The mobile app is sleek, making it incredibly easy to track spending and manage repayments. • Safe Application: Theik "soft search" lets you check eligibility without hurting your credit score. The Trade-off: The 49.0% APR is high. This card is an excellent tool if you pay your balance in full every month to boost your score for free. However, it is an expensive way to borrow if you plan on carrying a debt. Final Verdict: An honest, effective credit-builder. Use it for small monthly purchases, pay it off immediately, and watch your credit score grow. Reviewed on: 20th April 2026
Burcu 's avatar
Burcu

I had an issue with my direct debit phoned customer...

5
I had an issue with my direct debit phoned customer services they was very polite and helpful we got it sorted Reviewed on: 20th April 2026
Mark m's avatar
Mark m

Great customer service

5
Great customer service , easy to navigate around the App Reviewed on: 20th April 2026
Julie's avatar
Julie

Rates of credit cards

5
It's a good credit card however it is little expensive rates Reviewed on: 20th April 2026
Faruk Guven's avatar
Faruk Guven

Very good and helpful whenever you need assistance

5
Very good and helpful whenever you need assistance Reviewed on: 20th April 2026
Paul b's avatar
Paul b

I’ve had a positive experience with 118 no issues

5
I’ve had a positive experience with 118 no issues Reviewed on: 20th April 2026
DS's avatar
DS

I think the app is very easy to use never had any pr...

4
I think the app is very easy to use never had any problems Reviewed on: 20th April 2026
Laura W's avatar
Laura W

I applied for the card with in 5 minutes all complet...

5
I applied for the card with in 5 minutes all completed brilliant Reviewed on: 20th April 2026
Phil C's avatar
Phil C

Excellent in every way highly recommend to anyone, e...

5
Excellent in every way highly recommend to anyone, easy to set up and great app. Reviewed on: 20th April 2026
Paul s's avatar
Paul s

Review 118 118 Money: Credit card now

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