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118 118 Money: Credit card reviews

Name: Credit card
Rating: 4.73 (5644 reviews)

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4.73

Based on 5,644 reviews, last reviewed 1st Jul 2026

121% increase in 5 star reviews

in the past 90 days

114% increase in 1 star reviews

in the past 90 days

89%

Latest highest rating:

5

Always been so easy and simple from the first steps... Always been so easy and simple from the first steps of applying Reviewed on: 1st July 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 (5644)

Perfect every time.

Perfect every time. Regularly increase my limits. Brilliant customer service. My only gripe is it isnt easy to raise disputes on the app as it is with my other credit providers. On the whole im very happy with them. Reviewed on: 15th April 2025

Efficiency and good help.

Efficiency and good help. Friendly staff and understanding Reviewed on: 15th April 2025

Always had great service

Always had great service and extreely helpful when card stolen Reviewed on: 15th April 2025

Great customer service and offers are good.

Great customer service and offers are good. Reviewed on: 15th April 2025

all good - communication and app

all good - communication and app Reviewed on: 15th April 2025

Easy app and good customer service

Easy app and good customer service Reviewed on: 15th April 2025

Difficult to get it card unblocked

If I use the card, I clear it at the end of the month so the comments about high interest dont affect me. Having said that, ive had the card for a couple of years, never gone over my limit, always paid on time - usually clearing it. Never had a limit increase. Biggest issue with them is the random blocking if the card for a potentially fraudulent transaction. Nonproblem with them being overly careful, but when have to spend 90 minutes on their useless chat service to get it unblocked it becomes a problem. Imagine paying in a restaurant and your card is declined? Theyd be charging you rent before you get it resolved. Reviewed on: 5th March 2025

details lost , not reported properly, asking for ide...

details lost , not reported properly, asking for identification so many times, kept waiting on the phone for an hour with different people still no resolution, however they still want monthly payment but then you can’t have access to Reviewed on: 1st March 2025

No good card

Had the. Same credit limit for over a year.My credit score is imperfect and give me a rubbish.Two hundred and fifty pound , which has infected my credit score Rubbish card not Recommended Reviewed on: 5th February 2025

Really helpful and easy to use app

Really helpful and easy to use app Reviewed on: 24th May 2024

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