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118 118 Money: Credit card reviews

Name: Credit card
Rating: 4.86 (2637 reviews)

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4.86

Based on 2,637 reviews, last reviewed 5th Apr 2026

138500% increase in 5 star reviews

in the past 90 days

600% increase in 1 star reviews

in the past 90 days

90%

Latest highest rating:

4

Easy to use Easy to use and had no issues. Would recommend to others Reviewed on: 5th 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 (2637)

Easy to contact via telephone and always getting bac...

Easy to contact via telephone and always getting back to me m Reviewed on: 15th April 2025

Simple and does exactly what it says on the tin .

Simple and does exactly what it says on the tin . Reviewed on: 15th April 2025

Great service.

Great service. Friendly staff. Overall really good experience getting credit has never been easier Reviewed on: 15th April 2025

My experience

My experience with 118 118 has Been good . Iv had no problems using my card the customer service has been good Reviewed on: 15th April 2025

The app is easy to use and iv never had...

The app is easy to use and iv never had any problems Reviewed on: 15th April 2025

I’ve been using the 118 118 Credit Card for a while...

I’ve been using the 118 118 Credit Card for a while now, and I have to say—it’s been a really solid experience. One of the biggest highlights is the fixed interest rate, which means no surprises or sudden rate changes like with other cards. It gives real peace of mind, especially when managing a budget. The application process was straightforward, and customer service has always been helpful and easy to reach whenever I had questions. I also appreciate that it’s designed to help build or rebuild credit, and it reports to all major credit agencies—perfect for anyone wanting to improve their credit score. Overall, I’d definitely recommend the 118 118 Credit Card to anyone looking for a reliable and transparent option, especially if you’re working on your financial future. Solid card, trustworthy service. Reviewed on: 15th April 2025

Excellent

Easy to use and great service. Highly recommend 118 118 money Reviewed on: 15th April 2025

118 118 Money have been brilliant.

118 118 Money have been brilliant. Their credit card app is very easy to use. It displays offers, and lets you know in a nice easy to read visual you current blance and avaiable credit. Reviewed on: 15th April 2025

Keeps me updated with my account

Keeps me updated on all things to do with my account , billing and credit. Very very happy Reviewed on: 15th April 2025

Good card with customer service that actually listen...

Good card with customer service that actually listens to you and helps Reviewed on: 15th April 2025

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