HomeCredit CardTop 10 Easiest Credit Card to Get in the UK

Top 10 Easiest Credit Card to Get in the UK

Welcome to our guide on the top 10 easiest credit card to get in the UK! We understand that finding a credit card that suits your needs can sometimes feel like navigating through a maze of complicated options. That’s why we’ve done the research for you and compiled this list of credit cards that are known for their accessibility.

Whether you’re looking to build your credit history, have limited or no credit, or simply need a straightforward application process, these cards offer a hassle-free way to secure the purchasing power you need. So, let’s dive in and explore the best options available!

Top 10 Easiest Credit Card to Get in the UK

1. Tesco Bank Foundation Credit Card

Tesco Bank Foundation Credit Card

The Tesco Bank Foundation Credit Card is a great option for those looking to easiest credit card to get or to rebuild their credit. With a straightforward application process, this card is often considered one of the easiest credit card to get approved for in the UK.

  • Representative APR: 29.9% (variable)
  • Interest Rate on Purchases: 29.9% p.a. (variable)
  • Assumed Credit Limit: £1200

In terms of credit limits, they may start lower initially but can increase over time as you demonstrate responsible borrowing behaviour. This makes it an accessible option even if you don’t have a lengthy credit history or high income.

They are not offering this type of valuable benefit for credit cards only. They also provide some fine and expensive benefits to gift cards from Tesco Bank.

The Tesco Bank Foundation Credit Card provides an easy way to build or improve your credit while enjoying some perks along the way.

Apply Link: https://www.tescobank.com/credit-cards/foundation-card/

2. Vanquis Bank Chrome Credit Card

Vanquis Bank Chrome Credit Card

The Vanquis Bank Chrome Credit Card is designed to offer users a personalized and adaptable credit experience, and it is one of the easiest credit card to get in the United Kingdom. Below are the key features and details that make this credit card stand out:

Personalized Credit Limit:

  • Users have the advantage of receiving a personalized credit limit tailored to their financial situation. With this credit limit, they also provide Vanquis loans.
  • The credit limit offered ranges from £500 to £1,200, providing flexibility based on individual needs and circumstances.

Representative APR (Annual Percentage Rate):

  • The card comes with a Representative APR of 34.5%, and it is variable.
  • The representative APR serves as an illustrative figure, offering users insight into the potential cost of borrowing.

Financial Flexibility:

  • Tailored credit limits empower users to manage their finances according to their unique requirements.
  • This flexibility ensures that users can access the funds they need while maintaining control over their credit usage.

Transparent Borrowing:

  • Vanquis Bank emphasizes transparency in its credit offering.
  • The representative APR provides a clear understanding of the cost of borrowing, helping users make informed decisions about their financial commitments.

Convenient Solution:

  • The Vanquis Bank Chrome Credit Card is designed to be a convenient financial solution.
  • Users benefit from the adaptability of a Chrome Credit Card, providing a versatile tool to meet their lifestyle and financial needs.

Apply Link: https://www.vanquis.co.uk/credit-cards

3. Chase Sapphire Preferred Card

Chase Sapphire Preferred easy Card

The Chase Sapphire Preferred Card is one of the easiest credit card to get in the UK, making it a popular choice for those looking to build their credit history. With its attractive rewards program and flexible redemption options, this card offers great value for frequent travellers.

  • APR: Embrace financial flexibility with a variable Annual Purchase Rate ranging from 21.49% to 28.49%. Explore the possibilities with a spectrum of pricing tailored to your financial preferences.
  • ANNUAL FEE: For a modest annual fee of £74.95, enjoy exclusive access to a suite of benefits that enhance your travel and lifestyle.
  • Earn 60,000 Bonus Points: Seize the opportunity to earn 60,000 bonus points after spending £3155 on purchases in the first three months from account opening. (Opens offer details overlay) That’s a remarkable 0 when redeemed for travel through Chase Ultimate Rewards.

The Chase Sapphire Preferred Card stands out from other cards due to its versatility and ease of use. Whether you’re booking flights and hotels directly through Chase’s online portal or transferring your points to partner loyalty programs, you have plenty of options to make the most out of your rewards.

Apply Link: https://creditcards.chase.com/rewards-credit-cards/sapphire/preferred

4. Chase Freedom Unlimited

Chase Freedom Unlimited

Chase Freedom Unlimited is a credit card that offers flexibility and rewards for everyday spending. With no annual fee, this card is a popular choice for those looking to earn cash back on their purchases.

  • APR: Enjoy a 0% introductory APR for the first 15 months from account opening on both purchases and balance transfers with Chase Freedom Unlimited. Following the introductory period, a variable APR of 20.49%–29.24% applies. A balance transfer fee is applicable—refer to pricing and terms for more details.
  • Annual Fee: Experience financial flexibility with Chase Freedom Unlimited, as it comes with a 0 annual fee, allowing you to maximize your benefits without the burden of additional costs.
  • Cash Back Rewards: Unlimited 1.5% Cash Back and Beyond

Chase Freedom Unlimited goes beyond the ordinary with its cash-back rewards program:

  • 1.5% Cash Back: Earn unlimited 1.5% cash back on all your purchases.
  • 3% on Dining and Drugstore Purchases: Indulge in rewards as you earn 3% cash back on dining at restaurants, including takeout and eligible delivery services, as well as 3% on drugstore purchases.
  • 5% on Travel: Elevate your travel experiences with 5% cash back on travel purchased through Chase Ultimate Rewards.

Apply Link: https://creditcards.chase.com/cash-back-credit-cards/freedom/unlimited

5. Discover it Secured Credit Card

Discover it Secured Credit Card

The Discover it Secured Credit Card is an excellent option for those looking to establish or rebuild their credit. With a secured card, you make an initial deposit that serves as your credit limit. This means you can start with a small amount and gradually increase it over time.

  • No Annual Fee: Enjoy the benefits without additional yearly costs
  • Variable Purchase APR: Navigate transactions with a 28.24% Standard Variable Rate

The advantage of the Discover it Secured Credit Card is its helpful tools and resources for managing your credit. Just be sure to pay off your balance in full each month to avoid interest charges. The Discover it Secured Credit Card provides a great opportunity for individuals who want to build or improve their credit history while enjoying some valuable benefits along the way!

Apply Link: https://www.discover.com/credit-cards/secured/

6. Discover it Student Cash Back

Discover it Student Cash Back

Discover It Student Cash Back is a credit card specially designed for students who are looking to build their credit history while earning cash-back rewards. With this card, you can enjoy the benefits of no annual fee and earn 5% cash back on rotating categories each quarter, such as gas stations, restaurants, and even Amazon.com.

  • No Annual Fee: Enjoy the perks of cash back without the burden of an annual fee
  • No Credit Score Required to Apply: Breaking down barriers – apply for this card without the need for a credit score

This credit card offers additional benefits by providing tools explicitly crafted to assist students in responsible financial management. Features such as customizable email or text alerts help in avoiding missed payments and exceeding credit limits.

Discover it Student Cash Back stands out as an excellent option for college students seeking to cultivate positive credit habits while enjoying rewards. With no annual fee, an appealing cash back rewards program, and practical financial management tools, it caters to the specific needs of students.

Apply Link: https://www.discover.com/credit-cards/student-credit-card/it-card.html

7. Citi Double Cash Card

Citi Double Cash Card

When it comes to an easiest credit card to get in the UK, the Citi Double Cash Card is definitely worth considering. This card offers a straightforward and hassle-free application process, making it accessible to a wide range of individuals.

When it comes to credit cards that are easy to get in the UK, the Citi Double Cash Card is definitely worth considering. This card offers a straightforward and hassle-free application process, making it accessible to a wide range of individuals.

  • Annual Fee Waived: Keep every penny of your hard-earned cashback with the Citi Double Cash Card – no annual fee required.
  • Balance Transfer Advantage: Say goodbye to interest charges! Transfer balances from other credit cards to the Citi Double Cash Card and enjoy a 0% interest rate for a generous 18-month period, saving you significant money.
  • Introductory APR Benefits: Experience a 0% introductory APR on purchases during the initial 12 months. Whether you’re making essential purchases or managing existing balances, this feature can help you cut down on interest expenses.
  • Good Credit Prerequisite: While approval may be slightly selective, possessing good credit makes you eligible for the Citi Double Cash Card, offering a valuable option for those with a strong credit history.

Apply Link: https://www.citi.com/credit-cards/citi-double-cash-credit-card

8. Virgin Money Money Transfer Credit Card

Virgin Money Money Transfer Credit Card

The Virgin Money Current Account Credit Card is a great option for those looking for the easiest credit card to get in the UK. With its straightforward application process and flexible eligibility criteria, it’s a popular choice among many consumers.

  • Introductory 0% Interest on Balance Transfers: Enjoy a 23-month period with zero interest on balance transfers, a valuable opportunity for consolidating debt from other cards.
  • Ideal for Debt Consolidation: Make the most of the introductory period to efficiently consolidate debt, saving money in the process.
  • Low Balance Transfer Fee: Virgin Money offers a competitive 2.75% balance transfer fee, which is notably lower than many other credit cards, enhancing your cost savings.

The Virgin Money Current Account Credit Card provides accessibility and convenience while offering attractive benefits such as competitive interest rates and cashback rewards. It’s definitely worth considering if you’re looking for an easy-to-get credit card in the UK!

Apply Link: https://uk.virginmoney.com/cards/products/money-transfer-cards/

9. Halifax Clarity Credit Card

Halifax Clarity Credit Card

The Halifax Clarity Credit Card is a popular choice for those looking to improve their credit score or establish credit and one of the easiest credit card to get. With its straightforward application process, this card offers a high chance of approval for applicants with limited credit history.

  • Consistent Interest Rates: Experience financial flexibility with a uniform interest rate applied to all your purchases, eliminating penalties for international card usage or cash withdrawals. The current APR stands at 23.9%.
  • Fee-Free Transactions Worldwide: Enjoy a fee-free experience globally – no foreign transaction fees, cash advance fees, or balance transfer fees. This is particularly advantageous for frequent travellers, potentially saving you significant amounts of money.
  • Extended 0% Interest Introductory Period: Benefit from an extended 26-month 0% interest period on balance transfers, ranking among the longest introductory periods in the market. This feature is ideal for those seeking to consolidate debt from other cards, resulting in substantial interest savings.
  • Annual Fee Waiver: Embrace the advantages of this card without the burden of an annual fee – all benefits, no additional cost.

Apply Link: https://www.halifax.co.uk/creditcards/travel.html

10. M&S Easy Money Credit Card

M&S Easy Money Credit Card

The M&S Easy Money Credit Card is a fantastic option for those looking for to easiest credit card to get in the UK. With its straightforward application process and lenient qualifying requirements, getting approved for this card is a breeze.

  • Purchase Rate: 23.9% per annum (variable)
  • 0% Introductory Interest on Purchases: Experience a full year of financial flexibility with 0% interest on all your card purchases during the initial 12 months. This exclusive offer provides significant savings on interest expenses, particularly if you maintain a balance on your card.
  • Competitive Annual Fee: Benefit from a budget-friendly card with a low monthly fee of £2.99, making it a cost-effective choice compared to other cards in the market.
  • Rewarding M&S Points System: Elevate your shopping experience by earning 1 point for every £1 spent on M&S products, both in-store and online. Accumulated points can be redeemed for valuable M&S vouchers, allowing you to indulge in a wide range of purchases, from groceries and clothing to homeware.

Apply Link: https://www.marksandspencer.com/c/creditcard

Conclusion

Selecting the best credit card may also appear overwhelming, particularly when faced with restrained credit score records or a less-than-perfect credit score. Fortunately, the United Kingdom marketplace offers several alternatives tailored to people in those circumstances. Here, we highlight a number of the easiest credit card to get inside the UK, designed to help you construct credit scores and correctly cope with your finances.

Remember, at the same time as those cards provide extra lenient approval criteria, it’s vital to apply them responsibly and make well-timed bills to keep away from gathering debt. Additionally, keep in mind that every lender has its very own precise requirements and can consider different factors while comparing applications.

LEAVE A REPLY

Please enter your comment!
Please enter your name here

Must Read