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118 118 Money: Credit card reviews

Name: Credit card
Rating: 4.73 (5639 reviews)

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4.73

Based on 5,639 reviews, last reviewed 2nd Jun 2026

402500% increase in 5 star reviews

in the past 90 days

2200% increase in 1 star reviews

in the past 90 days

89%

Latest highest rating:

5

Excellent service provider Cannot fault 118118 Money credit card excellent rates Reviewed on: 2nd June 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 (5639)

Very good experience so far, good apr and flexible d...

Very good experience so far, good apr and flexible dates to pay Reviewed on: 31st March 2026

Great i have had no problems so far.

Great i have had no problems so far. Reviewed on: 31st March 2026

Constant messages/texts/emails that you start ignori...

Constant messages/texts/emails that you start ignoring them then miss something crucial. Hard to change any details on app. Have to talk to customer service who are only open 8-5pm. Thats a normal persons working hours. we are unable to sit on the phone Reviewed on: 31st March 2026

Very helpful

Very helpful even people to speak to Reviewed on: 31st March 2026

Very good value for money, quick and easy sign up an...

Very good value for money, quick and easy sign up and customer service is great Reviewed on: 31st March 2026

Normal all same etc n need see statement show easy t...

Normal all same etc n need see statement show easy than online can’t see Reviewed on: 31st March 2026

Easy to use app made it paying my monthly fast and e...

Easy to use app made it paying my monthly fast and easy Reviewed on: 31st March 2026

118 have always been very transparent and supportive...

118 have always been very transparent and supportive, I recently lost my dad and needed a payment break , they were very understanding and arranged without any fuss or awkward conversation Reviewed on: 31st March 2026

The 118 118 Money Credit Card is good for beginners...

The 118 118 Money Credit Card is good for beginners trying to build credit. It’s easy to get approved and simple to use. But the credit limit is very low and hard to increase. You can’t safely use more than 25–30% of the limit. If you spend more, your credit score can drop even if you pay on time. Overall, it’s good short-term but not for long-term use. Reviewed on: 31st March 2026

Quick Application and great customer service

Application process was really quick and when I have wanted to contact them customer service has been great. Reviewed on: 31st March 2026

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