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118 118 Money: Credit card reviews

Name: Credit card
Rating: 4.86 (2635 reviews)

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4.86

Based on 2,635 reviews, last reviewed 5th Apr 2026

138400% 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:

5

I was struggling to get a value for money credit car... I was struggling to get a value for money credit card due to past poor credit but 118 118 gave me a chance and now im trying to rebuild my credit scor... Read more 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 (2635)

Excellent for credit rating

Excellent for bad credit helps build your score apr very good no charges unseen Reviewed on: 15th February 2021

Phone number changed for no reason

I took out a 118118 credit card using my current mobile number in the registration process. All worked well for a couple of weeks until the mobile phone number connected with my account was changed somehow, and I could not access my account as the verification text was going to a different number. Took various phone calls and complaints over 2 months to finally get resolved without explaination. Reviewed on: 1st July 2020

A good fair price credit card

A great credit card for building your credit score or just to make a bigger purchase to spread the repayments Reviewed on: 29th June 2020

terrible company

even if you have this card for more than a year and managed well they don't want to give you an increase.. Reviewed on: 4th June 2020

brilliant

I thought the service was great and i felt very valued as a customer Reviewed on: 20th May 2020

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