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Classic credit card

The card in 4 million pockets

  • £200 - £4,000 starting credit limit
  • Get up to 2 credit increases a year
  • Build your credit score over time
Check my eligibility

34.9% APR representative variable.

Not using your card responsibly could hurt your credit score. This could mean you're less likely to be offered a credit limit increase.
Phone and card imag with Fairer Finance award logo - Credit Builder Cards 2024, Rated by Experts

Things to love about a classic card

Award-winning app

Make payments, see your PIN and manage your card on the go. Near, far, wherever you are.

Flexible credit limits

Ask for an increase or lower it if you need to. Plus, we’ll never up your limit without your say-so.

No nasty surprises

No annual costs, and the APR you’re offered after checking your eligibility is always the one you’ll get.
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No impact on your credit score

Spread your spends

With a credit card, you can spread the cost of bigger things over a longer time, instead of having to pay it all back at once.

Plus, you’ll automatically get up to 56 days interest-free on all new spends (so long as you pay your balance off each month).

Grow your credit score

Managing a credit card well can do wonders for your credit rating over time.

Use your card in a responsible way, like making payments on time and staying within your limit, and your score will show a healthy relationship with credit.

Purchase peace of mind

Shop with confidence when you use a credit card. You’ll get Section 75 protection on most spends between £100 and £30,000. So if something goes wrong with a purchase, you might be able to get the money back.

Plus there’s round-the-clock fraud security that’s always got your back.

It's easy to check if you're eligible

Tell us about yourself

Fill in a few details and we'll let you know if you're eligible, without affecting your credit score.

Get a straight yes or no

We'll tell you if you'll be accepted on the spot, so you can decide if you want to apply.

Apply for your card

If you're eligible and you think the card's right for you, you can apply in one tap of a button.
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No impact on your credit score

FAQs

Everything you need to know about credit cards. And more.

What is a credit card?

Credit cards are a flexible way to borrow money, and a secure way to spend in shops or online. They come with useful benefits, and can have a positive impact on your credit score when used responsibly.

To benefit from using a credit card, you need to manage it responsibly. That means paying back on time, always paying at least the minimum, and not going over your limit.

What are some benefits of getting a credit card?

There are pros and cons when it comes to taking out any sort of credit, and it’s important to consider your individual circumstances.

Pros of applying for a credit card:

  • It can help improve your credit score when used in a responsible way.
  • It can help you spread the cost of big spends.
  • A credit card can be useful for unexpected or emergency costs.

Cons of applying for a credit card:

  • If you only pay the minimum amount each month, your balance could take a long time to pay back, which could cost you more in interest over time.
  • If used irresponsibly, a credit card can negatively affect your credit score, making it harder to borrow in the future.
How can I apply for a credit card?

It’s super simple:

  1. Check your eligibility. Use QuickCheck (opens in a new tab) to find out if you could be accepted.
  2. Get your answer. We’ll let you know if you’ll be accepted straight away, so you can decide if you want to apply.
  3. Apply. If you get a yes, you’ll be able to apply and get your card sent out in the post.
Who can apply for a credit card?

Any UK resident over 18 can apply for a card, but not everyone will get accepted.

You’re more likely to be accepted if you:

  • have some history of managing credit, even if you’ve had CCJs or Defaults in the past.
  • are on the electoral roll.
  • haven’t declared bankruptcy in the last 12 months.
Will a credit card affect my credit score?

When you apply for a credit card, the lender will run a hard check on your credit history. These types of searches will impact your score, so it’s important to use an eligibility checker like QuickCheck (opens in a new tab) before you apply.

If you use your credit card responsibly, your credit score should improve over time. Just remember, it’s important to keep up to date with payments.

Does a credit card protect me online?

Using a credit card can make for safer shopping online, as they offer protection that debit cards don’t. Under Section 75 of the Consumer Credit Act, you may be protected on purchases from £100 up to £30,000. So if a transaction isn’t quite as it seems, you’re not left in the lurch.