Credit cards for building credit

The Zable Credit Card is a credit building card designed to help improve your credit score when managed responsibly.

  1. Initial credit limits up to £2,000

  2. Getting a quote won’t impact your credit score

  3. Get a decision in seconds

  4. 24/7 account management through our app

Representative 48.9% APR (variable).

Apply online

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Representative example:

Based on assumed borrowing of £1200 at an interest rate of 48.9% (variable) p.a. your representative APR will be 48.9% (variable).

a Zable Credit Card on a minimal pastel brick wall building diagonally upward, with soft edges and light mortar on a transparent background.
a Zable Credit Card on a minimal pastel brick wall building diagonally upward, with soft edges and light mortar on a transparent background.

What is a credit building card?

A credit building card is specifically designed to help people improve their credit score. Whether you have a limited credit history or have had credit problems in the past, these cards provide an opportunity to demonstrate responsible borrowing.

Credit building cards typically come with:

  • Lower initial credit limits that can grow over time

  • Helpful features to keep your credit on the right track

  • The ability to build a positive credit history when used responsibly

By making regular purchases and paying at least the minimum payment on time each month, you can show lenders you're a reliable borrower, potentially improving your credit score over time.

Who are credit building cards for?

You have limited credit history

Credit building cards help establish credit history for those who haven't borrowed much before.

You've had credit problems

Our cards can help rebuild your credit history if you have missed payments, defaults or CCJs.

You recently moved to the UK

Zable helps newcomers to the UK build their credit profile - only 1 year of credit history needed to apply.

Why Choose a Zable credit building card?

  1. Build your credit history

    With responsible use, a Zable credit building card can help establish or improve your credit history.

  2. Personalised credit limits

    You'll receive a credit limit based on your individual circumstances that could increase over time with good credit management.

  3. No annual or overseas fees

    Focus on rebuilding your credit without worrying about yearly card fees. Zable also doesn’t charge fees for using your card abroad.

  4. Track your progress

    Monitor your credit score for free through our easy-to-use app and see how your responsible card use is helping improve your score.

Minimal illustration of a ladder with rounded edges, rising upward, representing building credit

How to use your credit building card effectively

  1. Keep spending low

    Aim to use no more than 30% of your available credit limit. This shows lenders you're not dependent on credit. For example, if you have a £2,000 limit, aim to keep your usage under £600. This is referred to as your credit utilisation.

  2. Pay on time, every time

    Set up a Direct Debit for at least the minimum payment to ensure you never miss a payment deadline.

  3. Pay more than the minimum when possible

    Paying your balance in full each month avoids interest charges and demonstrates good financial management.

  4. Be patient and consistent

    Building credit takes time. You should see improvements in your credit score within 6-12 months of responsible use.

Minimal illustration of a ladder with rounded edges, rising upward, representing building credit

Frequently asked questions

Yes, when used responsibly. Making regular purchases and paying at least the minimum payment on time each month can help improve your credit score over time.

With consistent responsible use, you could start seeing improvements to your credit score within a few months. Zable automatically checks if you’re eligible for a credit limit increase.

You could - our credit building cards are specifically designed for people with limited or damaged credit histories. Complete our short application form to see if you qualify, without affecting your credit score.

There's no set minimum score required, as we consider your overall financial situation rather than just your credit score.

With responsible account management, we regularly review accounts and may offer credit limit increases.

Missing payments can damage your credit score and defeat the purpose of a credit building card. Set up a Direct Debit to ensure you never miss a payment.

Illustration of a Zable credit card in front of a sapling, representing credit growth

Applying for a Zable Credit Building Card

  1. Check your eligibility

    Complete our quick online application form to see if you're likely to be accepted - with no impact on your credit score.

  2. Finish your application

    If eligible, accept your quote and proceed to take the final steps.

  3. Start building credit

    Once approved, you'll receive your card within 7-10 working days.

Apply online
Illustration of a Zable credit card in front of a sapling, representing credit growth