Write a review

Newsletter

Go to business site

118 118 Money: Credit card reviews

Name: Credit card
Rating: 4.73 (5645 reviews)

View other 118 118 Money products

4.73

Based on 5,645 reviews, last reviewed 9th Aug 2026

100% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

89%

Latest highest rating:

5

Great cooperation Great cooperation. Very flexible accounting and credit builder. Reviewed on: 9th August 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

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.

Write a review

118 118 Money Credit card reviews (5645)

Good service interest higher than some but good cred...

Good service interest higher than some but good credit limits Reviewed on: 27th March 2026

very good and custom is top all very good at...

very good and custom is top all very good at jobs Reviewed on: 27th March 2026

Over limit charge £12 I was £1 over should be agains...

Over limit charge £12 I was £1 over should be against the law Reviewed on: 27th March 2026

Great stuff alwaya friendly and helpful

Great stuff alwaya friendly and helpful Reviewed on: 27th March 2026

Great customer service

Great customer service helped me when I had my ID stolen and charges on my card. Reviewed on: 27th March 2026

118 118 my account has came at the right time to hel...

118 118 my account has came at the right time to help me out with my wedding plans and budgeting my money having this credit card is amazing . Reviewed on: 27th March 2026

Good experience, good app, easy tu use

Good experience, good app, easy tu use Reviewed on: 27th March 2026

Never had any problems great app easy to use

Never had any problems great app easy to use Reviewed on: 27th March 2026

Their service was perfect.

Their service was perfect. A good interest rate on both loans and credit card.. Reviewed on: 27th March 2026

Easy set up & good service

Was great to be able to use the card via Apple Pay as soon as accepted. Downsides are the online limit of £250 before you have to use chip and pin to reset and can use again. I understand it being a safety feature but it would have if this was made clear. Otherwise, I’ve been really happy with 118118. Reviewed on: 27th March 2026

Do you have a different 118 118 Money product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

123 credit card (discontinued)
from Santander 4.22 from 162 reviews
Credit card
from Vanquis 4.43 from 599 reviews
Balance Transfer Credit Card
from Bank of Scotland 4.08 from 13 reviews

Want to see more from 118 118 Money?

Personal loan
from 118 118 Money 4.76 from 4612 reviews

View all products

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

News, guides and insight from our team

View resource hub