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 5,551 reviews, last reviewed 22nd Apr 2026
394500% 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

I got help when I needed it The application was easy to complete. I accessed my card and account very quickly. Online banking and app are also accessible. I got help when I neede... Read more Reviewed on: 22nd April 2026
Karen 's avatar
Karen

Latest lowest rating:

2

Rubbish card. High interest rate that changed after you take it out! Never reply to complaints and take money from your bank without your permission Reviewed on: 21st April 2026
KDH's avatar
KDH
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 (5551)

Really responsive, never had any issues always someo...

5
Really responsive, never had any issues always someone to help Reviewed on: 20th April 2026
mon's avatar
mon

Easy to use and I’ve never had a problem

5
Easy to use and I’ve never had a problem Reviewed on: 20th April 2026
Jamie B's avatar
Jamie B

Apr creeps and crippling

4
Apr could be less , but I suppose you know what you sign up for Reviewed on: 20th April 2026
daltvilla@icloud.com's avatar
[email protected]

Highly recommended

5
First of all the application process was very smooth and I got the credit card quickly after approval. The app is designed with great features and easy to use . I loved it Reviewed on: 20th April 2026
Ishtiaq T's avatar
Ishtiaq T

Very easy to apply.

5
Very easy to apply. Everything done really quickly and efficiently Reviewed on: 20th April 2026
Sally M's avatar
Sally M

Very good im very happy

5
Very good I’m very happy with 118118 Reviewed on: 20th April 2026
Mobeena z's avatar
Mobeena z

Good experience, easy app , good access to information.

3
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
Heidi Scott's avatar
Heidi Scott

Great card for rebuilding credit

5
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
Bridget I's avatar
Bridget I

App easy to use.

5
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
Andrew W's avatar
Andrew W

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

5
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
Matty's avatar
Matty

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