What is a credit-builder credit card?
A credit-builder credit card helps you build or improve your credit score as you make purchases and then make repayments on time.
How a credit-builder credit card can help you
Use your card to spend carefully
Build your credit score by using your card, but make sure you don't use all of the credit available to you every month.
Pay back as much as you can
You'll pay less interest if you pay back the total every month. If you can't, it still makes sense to pay more than the minimum - as this reduces the interest you'll pay.
Repay on time
If you stay up to date with your repayments, your credit score is likely to improve. A Direct Debit can help make sure your repayments are always on time.
Explore our credit-builder credit cards
Classic Credit Card
Improve or start building your credit rating.
Representative example
Purchase rate: 29.9% p.a. (variable)
Representative: 29.9% APR (variable)
Based on an assumed credit limit of £1,000
Student Credit Card
Enjoy a purpose-built card for existing HSBC Student Bank account holders.
Representative example
Purchase rate: 18.9% p.a. (variable)
Representative: 18.9% APR (variable)
Based on an assumed credit limit of £500
Balance Transfer Credit Card
Enjoy our longest interest-free period for balance transfers (2.75% fee, min £5).
Representative example
Purchase rate: 21.9% p.a. (variable)
Representative: 21.9% APR (variable)
Based on an assumed credit limit of £1,200
Need help choosing a credit card?
Discover our range of credit cards and find the one most suitable for you.
Not the right type of card?
Purchase credit cards
Buy now and spread the cost of all your purchases - large or small.
Balance transfer credit cards
Give yourself some breathing room with our balance transfer options.
Rewards credit cards
Discover our range of rewards cards.
View all cards
From transferring a balance, earning rewards or building your credit score, there's a card for every need.