Smart Money People Logo
Go to business site
Share this page
Link copied

118 118 Money: Credit card reviews

View other 118 118 Money products
4.85
Based on 5,300 reviews, last reviewed 21st Apr 2026
372300% increase in 5 star reviews
in the past 90 days
2200% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
89%
See only 4 star reviews
9%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
1%

Latest highest rating:

5

The best Help me out when I really needed it defo the best one out there Reviewed on: 21st April 2026
Steven h's avatar
Steven h

Latest lowest rating:

1

Worst experience ever, card frozen from 2nd day. Worst experience ever, card frozen from 2nd day. Several attempts to resolve it with customer service, 0 compliance or help. Reviewed on: 20th April 2026
A H's avatar
A H
Read all reviews Write a review

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.

Review 118 118 Money: Credit card now

Help others make smarter decisions by sharing your own experience.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review

118 118 Money Credit card reviews (5300)

Excellent customer service!

5
I have had a loan with yourselves and always had good customer service. Reviewed on: 20th April 2026
Jackie H's avatar
Jackie H

Review of account

3
I have both a personal loan and credit card. Except for quite high Apr, I have had no problems with my account. Easy to access and the app is good. Reviewed on: 20th April 2026
Julie H's avatar
Julie H

Always very helpful when have needed to speak with t...

5
Always very helpful when have needed to speak with them Reviewed on: 20th April 2026
Marie B's avatar
Marie B

even i had not good credit 118 118 still helped me w...

5
even i had not good credit 118 118 still helped me with a card to build my credit score up Reviewed on: 20th April 2026
arthur 's avatar
arthur

A really intuitive and user-friendly service.

5
A really intuitive and user-friendly service. Reviewed on: 20th April 2026
Deadly Inns's avatar
Deadly Inns

Generally find the app and card very easy to get alo...

5
Generally find the app and card very easy to get along with but I have a subscription problem with money being taken from my account on a set date which has been going on for 3 years now, thats disbite sending e-mails ,and phone calls asking for the payments too e stopped. Strange that 118 can call the fraudulent receiving company concerned, when I have tried every Number on the Web site but cannot get someone to answer having spent hours to try. For 3 years now all I get from 118 118 a confirming that they managed to get hold of the company and that no more payments will be taken.? I still had a payment taken last year even though I cancelled my card as advised too so that I had and New Number to my card which also should have stopped further collections. I have taken this to be a very POOR customer service with myself having lost £118.68 to date. Not good but hope it doesn’t happen again, as apart from this on going problem, the app is certainly improved and I have found 118 118 to be an excellent Credit & Loan Lender very helpful . Reviewed on: 20th April 2026
Stephen H's avatar
Stephen H

The best!!!!

5
Easy services.. app is super easy too! Great customer service Reviewed on: 20th April 2026
Lucy b's avatar
Lucy b

Just a great company and a great card

5
Just a great company and a great card Reviewed on: 20th April 2026
David w's avatar
David w

I always receive new offers the credit limit is incr...

5
I always receive new offers the credit limit is increased quite often Reviewed on: 20th April 2026
Sharmina b's avatar
Sharmina b

A big help to all my needs.

5
A big help to all my needs. it provides convenience and flexibility in managing everyday expenses. I find it especially useful for larger purchases and online payments, and the added security and fraud protection give me confidence when spending. Reviewed on: 20th April 2026
Zita's avatar
Zita

Review 118 118 Money: Credit card now

Help others make smarter decisions by sharing your own experience.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account
Man on beach

News, guides and insight from our team

View resource hub
UK money news stories - 24 July 2024
UK money news stories - 24 July 2024
24th July 2024
Posted in Money Talks by Errolyn Smith
Your Money, Your Voice: Have your say
Your Money, Your Voice: Have your say
24th July 2024
Posted in Our insights by Errolyn Smith
Our latest research - customers see little impact of FCA's Consumer Duty one year on
Our latest research - customers see little impact of FCA's Consumer Duty one year on
24th July 2024
Posted in Our insights by Darryl Barkwill
Consumer credit awards winners 2024
Consumer credit awards winners 2024
11th July 2024
Posted in Awards by Darryl Barkwill