Top of main content

Credit-builder credit cards

Help build your credit score when you spend and make on-time repayments

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


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


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


Enjoy our longest interest-free period for balance transfers (2.70% 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?


Buy now and spread the cost of all your purchases - large or small.


Give yourself some breathing room with our balance transfer options.


Discover our range of rewards cards.


From transferring a balance, earning rewards or building your credit score, there's a card for every need.

It's easy to answer your query online. Visit our Help page to find out how.