Credit Cards for Bad Credit

Featured UK Credit Cards


We have made searching for your ideal UK credit card online as simple as possible.
The UK credit cards have been separated into a number of simple categories so that you don’t have to search through a long list of online UK credit cards before you find the ideal credit card for you.
Our most Popular credit cards are featured on this page.

Whether you’re simply looking for general credit card information, looking for credit cards for people with bad credit, low interest rate credit cards (low APR), Credit cards that offer cashback or just a standard UK credit card, we believe you’ll find the UK credit card for you.

Need a New Bank Account ?
You Can Apply Online !

Alliance & Leicester Current Accounts - APPLY HERE


Credit cards for people with bad credit can be considered as being slightly special as there are fewer of them on offer. Furthermore, as well as a selection of UK Platinum credit cards and UK Gold credit cards we also have pages for sports enthusiasts that feature football credit cards.

Your position may be one in which you are paying too much interest due to the rate of your current credit card. Many credit card providers now offer facilities for you to transfer your balances to a card that has a 0% introductory rate for a few months in order to help you pay off debts outstanding without being charged interest. After the period expires you will be charged the standard APR set by the credit card provider. Some card providers have low balance transfer rates for the life of the card as an alternative to an introductory 0%.

Top UK credit card providers are featured throughout the site starting with our featured online credit cards, which often include cards from Accucard, Lloyds TSB, MoreThan, Virgin, Citi Platinum and Goldfish. Other top British credit cards found on the site are provided by Barclays, Bank of Scotland, EasyMoney, Marbles, American Express, Citi Bank and GM Platinum card.

Whatever you need your new credit card for you are sure to find it here at Tops 4 Credit Cards.




American Express
American Express Express Rewards Card
• 0% on purchases for
6 Months
• Earn more points
• 17.9% APR (variable)
• No annual fee
What are some of the benefits?  

American Express Express Rewards Card

- Enjoy Richer Rewards
- Get Extra Benefits
- Travel Accident
- Purchase Protection
- Refund Protection

Up to 56 days for Purchases if you pay your balance in full and on time.


RBS classic Card
RBS Classic Credit Card
• Typical 16.9% APR (Variable)
• Online access to your card account
• Money transfers by phone
• No annual fee
What are some of the benefits?  

You can apply online right now for your Classic Card and receive an instant decision.

Internet Guarantee against fraud.

RBS Secure - Protect your card online with a password.

Travel discounts &
Wine Club offers

Flexible credit limits


NatWest Credit Card
• 16.9% APR (variable)
• 8.9% p.a. for balances transferred
• No balance transfer fee
• Manage your credit card online
What are some of the benefits?  

Pay a low rate of just 8.9% on all your purchases for a whole nine months from account opening.

You can ask us to review your credit limit after you’ve had the card for six months.

Check your balance or make a payment from your computer.

No annual fee.




Know which credit card you want? You choose!