Based on 49749 reviews
A product by Zable
You can check your eligibility for a Zable credit card online or in the app. The Zable credit card could help you build your credit score if you make your payments...
Based on 2848 reviews
A product by NewDay
Aqua credit cards are available for everyday spending, building credit and balance transfers. Aqua adjust your credit limit as they get to know you and could increase it if you manage...
Based on 19912 reviews
A product by Vanquis
The Vanquis Credit Builder credit card is available to apply for online. Build your credit rating by paying on time and staying within your limit. With a Vanquis Credit Card, you...
Based on 552 reviews
A product by Vanquis
Vanquis offer a balance transfer and purchase credit card. Vanquis offer 0% for purchases and balance transfers for a set period of time. You will be charged a fee for any...
At Smart Money People we want to make it easy to compare your financial product options with our approach to rankings.
We use a combination of data from the reviews we receive to calculate our rankings. This includes the 1-5 star ratings given by reviewers, when the reviews were left on our site and other insightful data from the reviews.
It’s important to us that all our rankings are fair and consistent in the way they’re calculated. That’s why every financial product featured on our site is ranked in the same way using our own unique algorithm.
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Frequently asked questions
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Can credit cards build your credit score?
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Yes, credit builder cards can help you build credit or improve a bad credit score if you use them responsibly over time. It's important to stay on top of your monthly payments and within your agreed credit limit.
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How do you use credit cards to improve your credit score?
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Credit builder cards can help improve your credit score by showing lenders you manage your money responsibly. You can use them for everyday expenses like food shopping and fuel, but try to use less than 25% of your credit limit to avoid overspending. It's best to pay off your balance in full and on time each month without missing any payments.
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How fast will a credit card help you build credit?
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Building or improving your credit score takes a bit of time. If you use a credit card regularly and make your required payments on time, you could see your credit score improve in 6-12 months. This length of time demonstrates a history of responsible repayments.
News, guides and insights from our team
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Your handy credit card jargon buster
22nd October 2025 by Smart Money People TeamWe are helping 1000s to make smarter financial decisions
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