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Henry Okuguni

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Review of the 118 118 Money, Credit card:

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Simple and reliable for everyday use

I’ve been using this credit card for a while now and overall it’s been a positive experience. The application process was straightforward and I was approved quickly. The app is easy to use and makes it simple to track spending, payments, and rewards. One of the main benefits is the rewards system. Cashback is decent and actually adds up if you use the card regularly. I also like the spending notifications and security features, which make me feel more in control. On the downside, the interest rate is quite high if you carry a balance, so it’s definitely better suited for people who can pay it off in full each month. Customer service has been okay, but response times could be improved. Overall, it’s a good card for everyday spending and rewards, as long as you manage it responsibly. Reviewed on: 24th April 2026

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