1.Zable Credit Card
Zable
- No rewards breakdown available
New customers can receive a free £10 credit upon approval and making their first purchase.
The Zable credit card does not feature a standard cashback or rewards program but offers potential rewards through the SuperSaveClub.
29.9% Variable APR
The Zable Credit Card stands out as the top choice because it is specifically designed for individuals looking to build or improve their credit scores. With no annual fees and a focus on credit building, it provides a straightforward option for those starting their financial journey.
Pros:
- No annual fee
- No foreign transaction fees
Cons:
- High APR can be expensive if carrying a balance
- Limited rewards structure
2.Vanquis Credit Card
Vanquis
- No rewards breakdown available
What sets the Vanquis Credit Card apart is its commitment to helping users build their credit score while offering no annual fee. This card is particularly beneficial for those starting their credit journey.
Pros:
- No annual fee
- Helps build credit score
Cons:
- Limited information on rewards
- APR not specified
3.Capital One Classic Credit Card
Capital One
- No rewards breakdown available
N/A
N/A
34.9%-37.9% Variable APR
The standout feature here is that the Capital One Classic Credit Card is specifically designed for individuals looking to build their credit history, offering manageable credit limits and potential increases, making it a reliable choice for credit building.
Pros:
- No annual fee
- Designed for credit building
Cons:
- Higher APR range
- Limited rewards information
Final Words
In choosing the best starter credit card with no credit history, it's essential to evaluate factors like fees, interest rates, and user experience. Take time to compare your options to ensure you select a card that fits your financial needs and helps you build a strong credit foundation.
Frequently Asked Questions
New customers can receive a free £10 credit upon approval and making their first purchase. This makes it an attractive option for those looking to start building credit.
The Zable credit card has no annual fee and offers potential rewards through the SuperSaveClub. It's a great choice for individuals with no credit history looking for a straightforward credit option.
The Vanquis Credit Card does not feature a standard cashback or rewards program. However, it has no annual fee, making it a suitable option for those starting their credit journey.
The Capital One Classic Credit Card has an annual fee of £0 and variable APR rates ranging from 34.9% to 37.9%. It is designed for individuals with limited or no credit history, making it a viable starter option.
When selecting a starter credit card, consider factors like annual fees, interest rates, and any welcome bonuses. Look for cards that offer rewards or benefits that align with your spending habits.
Many starter credit cards have no annual fees, which can make them more accessible. However, always check for potential fees related to late payments or foreign transactions.
To apply for a starter credit card, visit the provider's website, fill out the application form, and provide necessary identification. Most issuers will assess your creditworthiness, even if you have no prior credit history.
Starter credit cards usually have higher interest rates compared to standard credit cards, often ranging from 29.9% to 37.9% APR. It's important to pay off your balance in full each month to avoid interest charges.
