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118 118 Money: Credit card reviews

Name: Credit card
Rating: 4.85 (5136 reviews)

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4.85

Based on 5,136 reviews, last reviewed 20th Apr 2026

357700% increase in 5 star reviews

in the past 90 days

2100% increase in 1 star reviews

in the past 90 days

89%

Latest highest rating:

5

Great card and company. Great card and company. Very happy with every step of the way Reviewed on: 20th April 2026

Latest lowest rating:

1

Interest rate is crazy you pay the monthly payment a... Interest rate is crazy you pay the monthly payment and almost all is for interest.Dont get this card Reviewed on: 20th 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 (5136)

Good experience, easy app , good access to information.

Good experience, easy app , good access to information.Easy process to get credit card and increase credit.Great off I need a loan also in the future Reviewed on: 20th April 2026

Great card for rebuilding credit

Great card for rebuilding credit Really happy with this card so far. It’s easy to use, no hidden fees, and the whole process was straightforward from start to finish. I got accepted when other places said no, so it’s been a big help in rebuilding my credit score. The app is simple and everything is clear — no surprises. As long as you pay it off each month, it works perfectly. Definitely recommend if you’re trying to improve your credit. Reviewed on: 20th April 2026

App easy to use.

App easy to use. Helpfully customer service, when needed. The only thing that could be improved, is payments direct from Bank, that clear onto my 118 account within 2 hours or sooner, a service that other credit cards offer.. Reviewed on: 20th April 2026

Fantastic for those big purchases, the 118 118 app c...

Fantastic for those big purchases, the 118 118 app could do with a refresh and more functionality added but overall great customer service. Reviewed on: 20th April 2026

Excellent good service always happy to help

Excellent good service always happy to help Reviewed on: 20th April 2026

APR is way too high.

APR is way too high. A lower APR would be so much better as the interest is too much and the monthly payments too high Reviewed on: 20th April 2026

Great experience, easy to follow instructions

Great experience, easy to follow instructions Reviewed on: 20th April 2026

Great Credit Card to Manage your Finances

118 credit card has given me the opportunity to manage my money and get back to a place where my credit has got back on track. The app makes it so easy to use and you can get in touch with touch easily to ask any questions you may have. The interest is very competitive and I finally feel in control. Reviewed on: 20th April 2026

I’ve have nothing but good experiences with 118

I’ve have nothing but good experiences with 118 Reviewed on: 20th April 2026

Would recommend as it’s a great card

Got this card to use as a back up mid month. It’s a great card, easy to pay at the end of the month on the app. and a reasonable interest rate. Very happy with the service Reviewed on: 20th April 2026

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