118 118 Money credit card review, honest take on the no-fee credit-builder for UK users
Straight-talking UK review of the 118 118 Money credit card, who it suits and red flags to note
Clear, no-nonsense overview for UK users
The 118 118 Money credit card is pitched as a no-fee, credit‑builder option for people in the UK looking to repair or start a credit history. It’s straightforward: no monthly fees, no annual charge and a simple acceptance route designed for those with imperfect credit.
For local shoppers and travellers alike the card’s simplicity is the big selling point. If you want a basic credit card to demonstrate reliable repayment behaviour, the 118 118 Money credit card is worth a close look.
Costs, APR and international use
Despite the “no-fee” branding, the card comes with a high representative APR (around 49.0% variable), so carrying a balance is expensive. There’s also a cash withdrawal fee (typically 3%), so withdrawals in cash are best avoided unless essential.
On the plus side, the 118 118 Money credit card advertises no foreign transaction fees, which makes it convenient for trips in Europe and beyond. Budget-conscious users should still plan to pay in full each month to avoid high interest charges.
Applying and managing your account
Applying is simple: use the online eligibility checker first to see your chances without a hard credit search. If the soft search looks promising, complete the full application and await a decision—many applicants get a quick response.
Account management is handled via the mobile app and online portal, where you can set up direct debits, view statements and track spending. Regular on-time payments are the fastest way to build score with this credit‑builder card.
Is it right for you? Alternatives and next steps
If your priority is rebuilding credit with no surprise fees, the 118 118 Money credit card is a practical pick. It’s ideal for people who want a predictable product without rewards or complex perks, and who can afford to clear the balance each month.
However, if you’re after lower interest rates, cashback or a longer 0% period, compare alternatives before you apply. Use a soft-search comparison tool to find cards that match your credit profile—then pick the option that helps you rebuild credit while keeping costs down.
