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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 Use.

Easy to Use. Know your spending and keep track of your finances Reviewed on: 15th April 2025

It’s been a pleasure to be a member

It’s been a pleasure to be a member Reviewed on: 15th April 2025

Absolutely amazing and peace of mind

Absolutely amazing and peace of mind Reviewed on: 15th April 2025

Perfect every time.

Perfect every time. Regularly increase my limits. Brilliant customer service. My only gripe is it isnt easy to raise disputes on the app as it is with my other credit providers. On the whole im very happy with them. Reviewed on: 15th April 2025

Efficiency and good help.

Efficiency and good help. Friendly staff and understanding Reviewed on: 15th April 2025

Always had great service

Always had great service and extreely helpful when card stolen Reviewed on: 15th April 2025

Great customer service and offers are good.

Great customer service and offers are good. Reviewed on: 15th April 2025

all good - communication and app

all good - communication and app Reviewed on: 15th April 2025

Easy app and good customer service

Easy app and good customer service Reviewed on: 15th April 2025

Difficult to get it card unblocked

If I use the card, I clear it at the end of the month so the comments about high interest dont affect me. Having said that, ive had the card for a couple of years, never gone over my limit, always paid on time - usually clearing it. Never had a limit increase. Biggest issue with them is the random blocking if the card for a potentially fraudulent transaction. Nonproblem with them being overly careful, but when have to spend 90 minutes on their useless chat service to get it unblocked it becomes a problem. Imagine paying in a restaurant and your card is declined? Theyd be charging you rent before you get it resolved. Reviewed on: 5th March 2025

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