Learn How to Apply for 5 Easy-to-Approve Credit Cards in the United Kingdom

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If you are looking for an easy credit card to get approved for in the United Kingdom, there are a lot of great options. It may be hard to find them, though. 

That is why we sifted through the options and chose a few to discuss. These cards range from small financial institutions to well-established ones. 

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They also come with plenty of different benefits and features. Keep reading and we will hopefully help you with this tough decision. 

Learn How to Apply for 5 Easy-to-Approve Credit Cards in the United Kingdom

Easy Approval Credit Cards In the United Kingdom

Many great credit cards are easy to get approved for in the UK. You can apply to places like HSBC or Lloyds, but for us, the five cards below are the best when it comes to quick and easy approval. 

Tandem Bank Journey Credit Card

If you have bad credit or no credit at all, this card is what you call a credit builder. This Mastercard from Tandem Bank has no annual fees and no foreign transaction fees. This bank is an online-only bank, so their app is important. 

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The good thing is that the mobile app from this bank is easy to use. When it comes to rates and fees, you can expect to have a 24.9% interest rate on your account balance.

Bank Contact Info

Address: 40 Bernard Street, London, WC1N1LE

Telephone: 020 3370 0970

TSB Classic Credit Card

This card from TSB Bank is also a credit builder card. It offers 0% interest on purchases and balance transfers. 

However, the application must be done in a physical branch. The Classic Credit Card is associated with the Mastercard credit card network and comes with a zero pound annual fee. 

Along with those fees and rates, the card also has a 2.95% balance transfer fee. That rate is the same for foreign transaction fees, as well. 

Bank Contact Info

Address: TSB Bank PLC, 120 George Street, Edinburgh, EH24LH

Telephone: 0345 835 3846 (UK) or +44 203 284 1581 (international)

Tesco Bank Foundation Clubcard Credit Card

Why not build your credit and earn some points to get cashback? This card will give the user 1 point per £8 on their daily purchases.

The card also comes with no annual fee and a £100 minimum limit. As for rates and fees, the card typically starts with a 27.5% APR on both purchases and balance transfers. There is also a 3% fee on balance transfers on top of that rate.

Bank Contact Info

Address: Tesco Bank Credit Card Operations, P.O. Box 27028, Broadway One, Glasgow, G29FT

Telephone: 0345 300 4278

Capital One Classic Platinum Mastercard

Capital One is a global company, and the UK branch has several cards that fall under the easy approval umbrella. One of these is the Classic Platinum Mastercard. This credit builder has a lot of features, such as no annual fee.

However, the card does have a 29.8% APR and a £200 minimum credit limit. There is also a 2.75% foreign transaction fee and a 3% fee for money and balance transfers.

Bank Contact Info

Address: Capital One Card Services, P.O. Box 5283, Nottingham, NG29HD

Telephone: 03444 812 812 (UK) or +44 115 993 8002 (international)

Barclaycard Forward Credit Card

The Barclaycard Forward Credit Card is good for those who have no credit or very little credit. It is a good first option and brings with it a lot of access to Barclaycard Entertainment discounts.

The Forward Credit Card has a 33.9% representative APR but no annual fee. However, it starts for the first three months with no interest rate. The card also has a 2.99% fee for foreign transactions, as well as cash advances. 

Bank Contact Info

Address: Barclays Bank UK PLC, 1 Churchill Place, London, E145HP

Telephone: 0800 151 0900

Learn How to Apply for 5 Easy-to-Approve Credit Cards in the United Kingdom

Summary

Building your credit is important if you ever want to own a house, get a business loan, or buy a brand new car. We hope that this mix of credit cards both from well-known establishments and lesser-known ones has helped you find a credit card that you can get approved for with no problems. 

Note: There are risks involved when applying for and using credit. Consult the bank’s terms and conditions page for more information.

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