Write a review

Newsletter

Go to business site

118 118 Money: Credit card reviews

Name: Credit card
Rating: 4.73 (5645 reviews)

View other 118 118 Money products

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

Read all reviews Write a review

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

Help others make smarter decisions by sharing your own experience.

Write a review

118 118 Money Credit card reviews (5645)

Fantastic, easy to use, understand, and manage

Fantastic, easy to apply, easy to use and understand APP. Reviewed on: 20th April 2026

It is a good starting block for poor credit history...

It is a good starting block for poor credit history Reviewed on: 20th April 2026

Good service always clearly explained

Good service always clearly explained Reviewed on: 20th April 2026

The app is easy to use, the payments are allocated q...

The app is easy to use, the payments are allocated quickly, and the information is clear and straighforward Reviewed on: 20th April 2026

Would definitely recommend!!

Since joining 118 they’ve been absolutely phenomenal in terms of customer service and information altogether. Anytime I’ve needed to get hold of someone it’s been extremely easy as well as efficient to get through to a member of staff who are very pleasant and helpful overall. Direct debits are always taken out on the date shown within the app and I’ve never had to worry about a thing. Overall 10/10 since joining this company/family and have also recommended many friends and family who have been accepted too. Reviewed on: 20th April 2026

Great credit card, helped me get back on track!

Great credit card, helped me get back on track! Reviewed on: 20th April 2026

Great company - Have had no issues with them.

Great company - Have had no issues with them. My credit wasn’t the best, yet they gave me a chance and now my score is higher. Thank you Reviewed on: 20th April 2026

Reliable help

118 118 Money has been helpful when I need credit Reviewed on: 20th April 2026

The no-nonsense path to better credit

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

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

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

Do you have a different 118 118 Money product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Credit card
from PayPal 4.66 from 126 reviews
Balance Transfer Credit Card
from Halifax 3.89 from 65 reviews
Everyday spending credit cards
from Halifax 4.30 from 75 reviews

Want to see more from 118 118 Money?

Personal loan
from 118 118 Money 4.76 from 4612 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub