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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)

I really had a great experience based on the credit...

I really had a great experience based on the credit limit or in between offers of loan amount which can be very helpful for people in need. The app is hassle free and easy to operate and it does provide a dedicated display pop up for the new offers which make it easy to understand the current offers. However, the interest rate on offered loan amount was too high which can be one reason to make the customer hesitant. Overall it’s an efficient credit card which made my day to day life more convenient. If the loan return percentage can be reviewed then I believe more people would be able to connect and they would be able to take a productive outcome of that Reviewed on: 21st April 2026

Easy to manage.

Easy to manage. Easy to talk to if your struggling. Helpful and understanding. Would definitely recommend to friends and family. One of the best credit cards. Reviewed on: 21st April 2026

Glad to have the card but find the interest high

Glad to have the card but find the interest high Reviewed on: 21st April 2026

Easy process, app is easy to use

Easy process, app is easy to use Reviewed on: 21st April 2026

Require more offers for. Customers.

Never any problems with the service. I do find there's never enough offers and % is high. Could be a bit lower. Reviewed on: 21st April 2026

Great for rebuilding credit score

I needed to find a credit card to help restore my credit score after finalising an IVA. 118 were so easy to apply to, accepted quickly and didn’t have astronomical interest fees. It’s easy to set up repayments by direct debit but you also have the ability to pay off any extra you wish through the app! Reviewed on: 21st April 2026

Efficient and lots of benefits to choose from

Efficient and lots of benefits to choose from Reviewed on: 21st April 2026

Mr o' Brien

Fantastic company really brilliant Reviewed on: 21st April 2026

It's been quite straight forward and easy to manage.

It's been quite straight forward and easy to manage. Reviewed on: 21st April 2026

118 118 is a good credit card provider.

118 118 is a good credit card provider. It has helped me get back into a good credit score and their monitoring and advise tool os quite good Reviewed on: 21st April 2026

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